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Card Comparison

Bank of America Customized Cash Rewards vs Rakuten American Express® Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Customized Cash Rewards card art
Bank of America Cash Rewards
Bank of America Customized Cash Rewards
Bank of America
More Info
Rakuten American Express® Card card art
Rakuten
Rakuten American Express® Card
Imprint
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$200 credit
Spend $1,000 in 3 months
20,000 points + $200 credit
Spend $2,000 in 3 months
Top Earn Rates
  • Choice Category 3x
  • Grocery Stores 2x
  • All Other Purchases 1x
  • Rakuten Dining 10x
  • Rakuten purchases 5x
  • Groceries and restaurants 2x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
Cash back only
  • Bilt Rewards
  • American Express Membership Rewards
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Common Questions: Bank of America Customized Cash Rewards vs Rakuten American Express® Card

Is the Bank of America Customized Cash Rewards or Rakuten American Express® Card better for dining?

Bank of America Customized Cash Rewards has no dining bonus; Rakuten American Express® Card earns 10x on dining.

Which has the higher signup bonus in 2026?

Bank of America Customized Cash Rewards currently offers $20000 signup bonus (spend $1,000 in 3 months). Rakuten American Express® Card offers 20,000 pts signup bonus (spend $2,000 in 3 months). Bank of America Customized Cash Rewards has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Bank of America Customized Cash Rewards and the Rakuten American Express® Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Customized Cash Rewards is from Bank of America and Rakuten American Express® Card is from Imprint, so they're governed by separate bank policies.