The Bank of America Customized Cash Rewards edges out the Southwest Plus for most cardholders — it wins on 2 of 4 comparison categories and offers $200 signup bonus earns more (up to 3x vs 2x). The Southwest Plus is the better choice if you prioritize a different rewards ecosystem.
Bank of America Customized Cash Rewards vs Southwest Plus
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Choice Category 3x
- Grocery Stores 2x
- All Other Purchases 1x
- Southwest Purchases 2x
- Gas Stations and Grocery Stores 2x
- All Other Purchases 1x
Quick summary
A short version of the comparison with the main differences at a glance.
The Bank of America Customized Cash Rewards edges out the Southwest Plus for most cardholders — it wins on 2 of 4 comparison categories and offers $200 signup bonus earns more (up to 3x vs 2x). The Southwest Plus is the better choice if you prioritize a different rewards ecosystem. On raw upside, Bank of America Customized Cash Rewards tops out at 3x versus 2x for Southwest Plus. Current signup bonus values are roughly $200 for Bank of America Customized Cash Rewards and $800 for Southwest Plus. Updated May 30, 2026. Source: https://cardcurator.ai/compare/bank-of-america-customized-cash-rewards-vs-southwest-plus
- Bank of America Customized Cash Rewards wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bank of America Customized Cash Rewards reaches 3x; Southwest Plus reaches 2x.
- Annual fee: Bank of America Customized Cash Rewards is no annual fee; Southwest Plus is $99/yr.
- Current public bonus values are approximately $200 and $800.
Common Questions: Bank of America Customized Cash Rewards vs Southwest Plus
Is the Bank of America Customized Cash Rewards or Southwest Plus better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Bank of America Customized Cash Rewards currently offers $200 signup bonus (spend $1,000 in 3 months). Southwest Plus offers 80,000 pts signup bonus (spend $1,000 in 3 months). Southwest Plus 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 Southwest Plus?
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 Southwest Plus is from Chase, so they're governed by separate bank policies.