- 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%2% cash back at grocery stores and wholesale clubs for the first $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 3% fee applies.
- 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
- $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 - now with expanded categories, 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.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- 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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
- 0% Introductory APR
- Balance Transfer
- Cash Back
- Excellent Credit
- FICO Score
- Mobile Pay Ready
- No Annual Fee
- Unsecured credit card
- Zero Fraud Liability
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.