Choosing between the Bank of America Customized Cash Rewards Credit Card (no annual fee) and the Fold (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in groceries at 2%. 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowUp to 3.5% bitcoin back on all purchases. Earns a solid 3.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Customized Cash Rewards Credit Card | Fold |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.0% | <strong>3.5%</strong> |
| Groceries Rewards | 2% | <strong>3.5%</strong> |
| Key Benefits | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). | Up to 3.5% bitcoin back on all purchases. |
Fold wins on travel, dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.