Cash+ Visa Signature vs Customized Cash Rewards: Which Is Actually Worth It?
Both let you choose your categories; Cash+ has a higher ceiling on two categories, BofA has one flexible category.
Cash+ Visa Signature
Earns generous rewards in just 2 select categories, period.
Customized Cash Rewards
Earns 3% cashback on one category of your choice, but that's about it.
Side-by-side specs
| Cash+ Visa Signature | Customized Cash Rewards | |
|---|---|---|
| Annual fee | $0 | $0 |
| Signup bonus | $200 after $1,000 in 120 days | $200 after $1,000 in 90 days |
| APR range | 19.74–29.74% Variable | 18.24–28.24% Variable |
| Foreign tx fee | 3% | 3% |
| Credit target | good to excellent | good to excellent |
Cash+ Visa Signature earn rates
Customized Cash Rewards earn rates
The verdict
You have two strong spend categories - Cash+ gives you 5% on two vs Bank of America's 3% on one.
Apply at U.S. Bank →You want more flexibility in choosing your bonus category monthly and don't want to lock in two categories.
Apply at Bank of America →Track what both cards actually earn you, WalletHub Premium syncs all your cards and monitors your credit daily.
Cash+ Visa Signature annual fee $0, APR 19.74–29.74% Variable, signup offer $200 after $1,000 in 120 days, terms as of 2026-05-06. Customized Cash Rewards annual fee $0, APR 18.24–28.24% Variable, signup offer $200 after $1,000 in 90 days, terms as of 2026-05-06. Verify current terms on the issuer's site before applying. We earn a referral fee on approved applications referred via Apply links, at no cost to you.