Dedicated comparison page
Bank of America Customized Cash Rewards vs Capital One Venture Rewards on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Bank of America
Bank of America Customized Cash Rewards is a cashback card from Bank of America with no annual fee, $200 bonus after $1,000 in 3 months, and fair to good credit.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
by Capital One
Capital One Venture Rewards is a travel card from Capital One with a $95 annual fee, 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening, and good to excellent credit.
Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.
| Metric | Bank of America Customized Cash Rewards | Capital One Venture Rewards |
|---|---|---|
| Annual Fee | None | $95 |
| Reward Rate | 3.0% | 5.0% |
| Signup Bonus | $200 bonus after $1,000 in 3 months | 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening |
| Foreign Transaction Fee | 3.0% | None |
| Recommended Credit | Fair to good credit | Good to excellent credit |
| Rewards Summary | Earn elevated rewards with 3% on Dining (up to $2500/quarter), 3% on Gas (up to $2500/quarter) and 3% on Online (up to $2500/quarter), plus 1% on other purchases. | Earn elevated rewards with 5% on Entertainment, 5% on Travel-portal and 2% on Other, plus 2% on other purchases. |
Its strongest earning category is Dining at 3%, backed by 1% on general spending.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
Its strongest earning category is Travel-portal at 5%, backed by 2% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Bank of America Customized Cash Rewards has the lowest published starting credit range in this comparison at 670.
Bank of America Customized Cash Rewards has the lowest annual fee in this comparison at no annual fee.