Amex Blue Cash Preferred vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Blue Cash Preferred wins 3-2. Suburban families with kids — best US-supermarket card. 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 Preferred | Bank of America Customized Cash |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 6% (shopping) | · 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | 2.7% | · 3% |
| Welcome bonus | = $250 statement credit after $3,000 in 6 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
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 Preferred vs Bank of America Customized Cash: which is better?
Amex Blue Cash Preferred wins on more dimensions (3 vs 2). 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 Preferred 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 Preferred: $250 statement credit after $3,000 in 6 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.