Blue Cash Everyday® Card From American Express
vs. Bank of America® Customized Cash Rewards Credit Card

The Blue Cash Everyday® Card from American Express and the Bank of America Customized Cash Rewards Credit Card entice with no annual fees and appealing cash back rewards. If you're drawn to customizable categories and the potential for higher cash back with Bank of America's Preferred Rewards, the BofA Customized Cash card may be superior.

However, the Blue Cash Everyday card is still a strong contender, especially with its 3% cash back at U.S. supermarkets, online retailers and gas stations, which could align well with your regular spending.

You might prefer the BofA Customized Cash if you value flexibility in your rewards. Choose your own 3% cash back category to align with your highest spending area each quarter, and if you're a Preferred Rewards member, enjoy even greater returns. This card adapts to your spending habits, offering a tailored approach to cash back.

You might prefer the Blue Cash Everyday if your spending is concentrated at U.S. supermarkets, online retail or gas stations. With higher cash back limits in these categories, you can maximize rewards where it counts. Additionally, take advantage of unique offers like credits for the Disney Bundle and Home Chef meal kits, adding extra value to your everyday purchases.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers helps in decision-making. This side-by-side analysis of the Blue Cash Everyday and BofA Customized Cash empowers you to pinpoint which card is for you

The BofA Customized Cash card edges out with a slightly higher expected reward value and the flexibility to choose your top earning category. This customization can be particularly beneficial if you have concentrated spending in one area. However, the Blue Cash Everyday card is not far behind, especially with its strong cash back rates at supermarkets, online retail purchases and gas stations in the U.S. If these are your primary spending areas, the Blue Cash Everyday card could be just as rewarding.

For the BofA Customized Cash, the eligible categories for the 3% cash back choice include gas (now including electric vehicle charging stations), online shopping (now including cable, streaming, internet, and phone services), dining, travel, drug stores, or home improvements and furnishings. This allows for tailored rewards that can adapt to your spending habits over time.

The table lays out the bonus categories for both cards:

The BofA Customized Cash allows redemptions into Bank of America accounts, as statement credits, or for gift cards, with no expiration as long as the account is active. The Blue Cash Everyday offers a straightforward redemption process with cash back redeemable as statement credits or at Amazon.com checkout, and no minimums or rotating categories to track. Both cards offer flexibility and ease in redeeming rewards, ensuring cardholders can use their cash back in a way that suits their financial needs.

MoneyGeek's ranking process assigns multiple scores to each credit card, reflecting their performance in various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For the Blue Cash Everyday and BoaA Customized Cash cards, the highest scores are in the cash back category. For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.