Bank of America® Customized Cash Rewards vs Capital One Quicksilver
Side-by-side comparison
| Bank of America® Customized Cash Rewards | Capital One Quicksilver | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 online cash rewards bonus | $200 cash bonus |
| Dining | 3x | 1.5x |
| Groceries | 2x | 1.5x |
| Gas | 3x | 1.5x |
| Travel | 3x | 1.5x |
| Streaming | 1x | 1.5x |
| Everything else | 1x | 1.5x |
| Est. yearly rewards* | $491 | $437 |
| Points type | Cash back only | Pools with Capital One → transferable |
| Network | Visa | Mastercard |
*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 Bank of America® Customized Cash Rewards earns about $491 a year in rewards and the Capital One Quicksilver about $437, valuing every point at a flat 1 cent. The Bank of America® Customized Cash Rewards has no annual fee, so its rewards are all profit. The Capital One Quicksilver has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Bank of America® Customized Cash Rewards delivers more total value, about $53 a year more for a typical spender, mostly because it earns more where you spend most, on dining and gas. The bigger difference is the ceiling: the Capital One Quicksilver earns points you can move to travel partners for outsized value, while the Bank of America® Customized Cash Rewards pays plain cash back. Favor the Capital One Quicksilver if you will use travel transfers, the Bank of America® Customized Cash Rewards if you want simplicity. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bank of America® Customized Cash Rewards if your spending leans toward dining, groceries, gas. Pick the Capital One Quicksilver if your spending leans toward streaming, everything else.