Credit Cards»Bank of America Credit Cards»Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card
Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

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Intro Bonus
$200$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Reward Rates
3%3% cash back in the category of your choice
2%Earn 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
1%1% cash back on all other purchases
Balance Transfers Intro APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
Purchases Intro APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Great for:

Choosing a favorite rewards category. As a cash back card with tiered ongoing rewards, this card’s 3% back on a category of your choice is unusual. Then it’s 2% back at grocery stores and wholesale clubs, with a $2,500 combined quarterly cap on the 3% and 2% categories.

See more of the best rewards credit cards.

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Features

  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer
  • Cash Back
    Cash Back
  • Dining
    Dining
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • FICO Score
    FICO Score
  • Gas
    Gas
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • Popular
    Popular
  • Rewards
    Rewards
  • Travel
    Travel
  • Unsecured credit card
    Unsecured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.4 out of 5

Our take: The Bank of America Customized Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 combined spending cap on bonus category rewards limits how much cardholders can earn.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.