Bank of America Unlimited Cash Rewards vs Choice Privileges Mastercard
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- All Purchases 1.5x
- Choice Hotels® properties19 plus on Choice Privileges point purchases 5x
- gas stations, grocery stores, home improvement stores and phone plan services 3x
- All Other Purchases 1x
Common Questions: Bank of America Unlimited Cash Rewards vs Choice Privileges Mastercard
Is the Bank of America Unlimited Cash Rewards or Choice Privileges Mastercard 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 Unlimited Cash Rewards currently offers $200 signup bonus (spend $5,000 in 3 months). Choice Privileges Mastercard offers 60,000 pts signup bonus (spend $4,000 in 3 months). Choice Privileges Mastercard has the larger bonus.
Which card is better for international travel?
Bank of America Unlimited Cash Rewards charges no foreign transaction fees — the better pick for international use. Choice Privileges Mastercard charges 3% on foreign purchases.
Can I hold both the Bank of America Unlimited Cash Rewards and the Choice Privileges Mastercard?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Unlimited Cash Rewards is from Bank of America and Choice Privileges Mastercard is from Wells Fargo, so they're governed by separate bank policies.