Home › Credit cards › Compare › BofA Customized Cash Rewards vs Chase Freedom Flex

BofA Customized Cash Rewards vs Chase Freedom Flex

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Freedom Flex leads by 14.7 pts. Scores: BofA Customized Cash Rewards 62.6%, Chase Freedom Flex 77.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Customized Cash Rewards nets $362/yr, Chase Freedom Flex nets $302/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeRewards: 10.0 · Flex: 10.0
Rewards rateRewards: 5.0 · Flex: 6.0
Sign-up bonusRewards: 2.7 · Flex: 3.3
Intro 0% APRRewards: 7.1 · Flex: 7.1
Regular APRRewards: 8.0 · Flex: 7.7
Foreign transaction feeRewards: 3.0 · Flex: 10.0
Regulatory record (CFPB)Rewards: 8.0 · Flex: 10.0

BofA Customized Cash Rewards

IssuerBank of America
Typecash back
Annual fee$0 bankofamerica.com, 2026-10-11
Regular purchase APR17.74%–27.74% variable bankofamerica.com, 2026-10-11
Rewards3% category of choice (6% first year); 2% grocery & wholesale clubs (quarterly max); 1% other bankofamerica.com, 2026-10-11
Sign-up bonus (≈$)$200 $200 after $1,000 in 90 days bankofamerica.com, 2026-10-11
Intro APR15 months 0% intro APR 15 billing cycles on purchases and BTs made in first 60 days bankofamerica.com, 2026-10-11
Foreign transaction fee3% bankofamerica.com, 2026-10-11
Penalty APRup to 29.99% up to; per BofA agreement consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee4% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)17.49%–28.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Chase Freedom Flex

IssuerChase
Typecash back
Annual fee$0 creditcards.chase.com, 2026-10-11
Regular purchase APR18.49%–27.99% variable creditcards.chase.com, 2026-10-11
Rewards5% rotating quarterly categories (up to $1,500, activation); 5% Chase Travel; 3% dining & drugstores; 1% other creditcards.chase.com, 2026-10-11
Sign-up bonus (≈$)$250 $250 after $500 in 3 months (limited-time) creditcards.chase.com, 2026-10-11
Intro APR15 months 0% intro APR 15 months on purchases and balance transfers creditcards.chase.com, 2026-10-11
Foreign transaction feenone Issuer page (2026-10-11) shows 0%; CFPB TCCP (2025-12-31) listed 3%. Newer issuer figure used. creditcards.chase.com, 2026-10-11
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period21 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.24%–27.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

BofA Customized Cash Rewards62.6%
Bank of America · cash back
Annual fee $0APR 17.74%–27.74% variableRewards 3% category of choice (6% first year); 2% grocery & wholesale clubs (quarterly max); 1% otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%
Chase Freedom Flex77.3%
Chase · cash back
Annual fee $0APR 18.49%–27.99% variableRewards 5% rotating quarterly categories (up to $1,500, activation); 5% Chase Travel; 3% dining & drugstores; 1% otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 27.99% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BofA Customized Cash Rewards or Chase Freedom Flex?

On VaultRubric's rubric: Chase Freedom Flex scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.