Bank of America Customized Cash Rewards vs Macy's American Express Card

Side-by-side comparison of Bank of America Customized Cash Rewards and Macy's American Express Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bank of America Customized Cash Rewards	Macy's American Express Card
Issuer	Bank of America	Citibank
Network	Visa	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	1.00%
Travel Rewards	1.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	3%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Choice Category (Gas, Online Shopping, Dining, Travel, Drug Stores, Home Improvement)	3.0%	1.0% (base)
Supermarkets	2.0%	2.0%
Wholesale Clubs	2.0%	1.0% (base)
Restaurants	1.0% (base)	3.0%
Gas Stations	1.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	18.24% - 28.24%	10.99% - 18.99%
Cash Advance APR	29.99%	21.24%
Penalty APR	29.99%	21.49%
Late Fee	$40	$41
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	—	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Citi 8/65