Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Bank of America Customized Cash Rewards vs U.S. BANK SHOPPER CASH REWARDS

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
U.S. BANK SHOPPER CASH REWARDS card art
U.S. Bank Cash Rewards
U.S. BANK SHOPPER CASH REWARDS
U.S. Bank
More Info
Annual Fee
No annual fee
$95/yr
Foreign Fees
None
3%
Signup Bonus
$200 credit
Spend $1,000 in 3 months
250 points
Spend $2,000 in 4 months
Top Earn Rates
  • Choice Category 3x
  • Grocery Stores 2x
  • All Other Purchases 1x
  • Selected Retailers (2 chosen) 6x
  • Everyday Category (1 chosen) 3x
  • All Other Purchases 1.5x
Reward Type
cashback
cashback
Key Credits
None
None
Open full comparison tool Compare more cards

Common Questions: Bank of America Customized Cash Rewards vs U.S. BANK SHOPPER CASH REWARDS

Is the Bank of America Customized Cash Rewards or U.S. BANK SHOPPER CASH REWARDS 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 $20000 signup bonus (spend $1,000 in 3 months). U.S. BANK SHOPPER CASH REWARDS offers 250 pts signup bonus (spend $2,000 in 4 months). Bank of America Customized Cash Rewards has the larger bonus.

Which card is better for international travel?

Bank of America Customized Cash Rewards charges no foreign transaction fees — the better pick for international use. U.S. BANK SHOPPER CASH REWARDS charges 3% on foreign purchases.

Can I hold both the Bank of America Customized Cash Rewards and the U.S. BANK SHOPPER CASH REWARDS?

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 U.S. BANK SHOPPER CASH REWARDS is from U.S. Bank, so they're governed by separate bank policies.