Amex Blue Cash Everyday vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Blue Cash Everyday wins 1-0. No-fee Amex with 3% supermarket — Blue Cash Preferred minus the fee. Bank of America Customized Cash is still the right call if choose your 3% category each month — no rotation needed..
Side-by-side
| Criterion | Amex Blue Cash Everyday | Bank of America Customized Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 3% (shopping) | = 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | 2.7% | · 3% |
| Welcome bonus | = $200 statement credit after $2,000 spend in first 6 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
Bank of America Customized Cash
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
FAQ
›Amex Blue Cash Everyday vs Bank of America Customized Cash: which is better?
Amex Blue Cash Everyday wins on more dimensions (1 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Everyday for its best categories, Bank of America Customized Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.