Amazon Visa vs Bank of America® Customized Cash Rewards
Side-by-side comparison
| Amazon Visa | Bank of America® Customized Cash Rewards | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $50 Amazon Gift Card upon approval | $200 online cash rewards bonus |
| Dining | 2x | 3x |
| Groceries | 3x | 2x |
| Gas | 2x | 3x |
| Travel | 1x | 3x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $470 | $491 |
| Points type | Cash back only | Cash back only |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Amazon Visa earns about $470 a year in rewards and the Bank of America® Customized Cash Rewards about $491, valuing every point at a flat 1 cent. The Amazon Visa has no annual fee, so its rewards are all profit. The Bank of America® Customized Cash Rewards has no annual fee, so its rewards are all profit. The two are close on value, but the Amazon Visa edges ahead by about $10 a year, mostly because it earns more where you spend most, on groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Bank of America® Customized Cash Rewards currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Amazon Visa if your spending leans toward groceries. Pick the Bank of America® Customized Cash Rewards if your spending leans toward dining, gas, travel.