Chase Freedom Unlimited vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Freedom Unlimited wins 3-0. No-fee everyday card; pairs perfectly with Sapphire Preferred Bank of America Customized Cash is still the right call if choose your 3% category each month — no rotation needed..
Side-by-side
| Criterion | Chase Freedom Unlimited | Bank of America Customized Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K | = $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 | 4.6/5 | · 4.3/5 |
Benefits compared
Chase Freedom Unlimited
- 5% on travel via Chase Ultimate Rewards
- 3% on dining (incl. takeout & delivery)
- 3% on drugstore purchases
- 1.5% on everything else
- No annual fee
- 0% intro APR for 15 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
›Chase Freedom Unlimited vs Bank of America Customized Cash: which is better?
Chase Freedom Unlimited wins on more dimensions (3 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 Chase Freedom Unlimited 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?
Chase Freedom Unlimited: $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.