U.S. Bank Visa Platinum Card vs Bank of America Customized Cash Rewards Credit Card

Side-by-side comparison of U.S. Bank Visa Platinum Card and Bank of America Customized Cash Rewards Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	U.S. Bank Visa Platinum Card	Bank of America Customized Cash Rewards Credit Card
Issuer	U.S. Bank	Bank of America
Network	Visa	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	0.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	0.0% (base)	1.0% (base)
Category of your choice (up to $2.5K combined w/ grocery per quarter)	0.0% (base)	3.0%
Supermarkets	0.0% (base)	2.0%
Wholesale Clubs	0.0% (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% - 29.24%	18.24% - 28.24%
Cash Advance APR	29.99%	29.99%
Penalty APR	N/A	N/A
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	Up to $600 per claim, subject to $25 deductible	—
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	Standard