Capital One Savor vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Savor wins 2-0. Foodies on a no-fee card — restaurants, delivery, streaming, groceries Bank of America Customized Cash is still the right call if choose your 3% category each month — no rotation needed..
Side-by-side
| Criterion | Capital One Savor | Bank of America Customized Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 3% (dining) | = 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 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 | 4.4/5 | · 4.3/5 |
Benefits compared
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
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
›Capital One Savor vs Bank of America Customized Cash: which is better?
Capital One Savor wins on more dimensions (2 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 Capital One Savor 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?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.