Bank of America Customized Cash vs US Bank Altitude Connect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US Bank Altitude Connect wins 3-1. No-fee 4x travel — rare combination of no fee + premium earn rate. Bank of America Customized Cash is still the right call if choose your 3% category each month — no rotation needed..
Side-by-side
| Criterion | Bank of America Customized Cash | US Bank Altitude Connect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 4% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash rewards after $1,000 spend in 90 days | = 50,000 points after $2,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
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
US Bank Altitude Connect
- 4x on travel + gas + EV charging stations
- 2x at restaurants + grocery + streaming
- 1x on everything else
- $30 annual streaming credit
- No annual fee, no foreign transaction fees
- Cell phone protection
FAQ
›Bank of America Customized Cash vs US Bank Altitude Connect: which is better?
US Bank Altitude Connect wins on more dimensions (3 vs 1). 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 Bank of America Customized Cash for its best categories, US Bank Altitude Connect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days. US Bank Altitude Connect: 50,000 points after $2,000 spend in 120 days.