Bank of America® Customized Cash Rewards

Offer

New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
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%. Balance transfers may not be used to pay any account provided by Bank of America.
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.

Fees & Conditions

Annual Fee $0

Foreign Transaction Fee 3%

Purchase Rates 18.24% - 28.24% (Variable)

Advantages

Welcome Bonus amount $200 Cash Back

Minimum Spending Required $1,000

Minimum Spending Timeframe (Months) 3 month(s)

Earnings

Per dollar of purchases

All Spending 1 %

Groceries 2 %

Gas 1 %

Dining and Food delivery 1 %

Convenience Stores 1 %

Drugstores 1 %

Local Transport 1 %

Travel 1 %

Entertainment 1 %

Recurring Payments 1 %

Telecom/Internet 1 %

Streaming services 1 %

Online transactions 1 %

Office Supplies 1 %

Our review

Maximize Your Cash Back with the Bank of America Customized Cash Rewards Credit Card

6% cash back in a category you choose and 2% cash back at grocery stores and wholesale clubs during the first year (up to $2,500 per quarter); 3%/2% thereafter
1% unlimited cash back on all other purchases
$200 online bonus after $1,000 in purchases within 90 days of account opening
0% intro APR on purchases and balance transfers for 15 billing cycles
Up to 75% more cash back through Preferred Rewards®
No annual fee

Switch your bonus category each month—choose from gas & EV charging, online shopping, dining, travel, drugstores or home improvement—and enjoy simple, no-minimum redemptions as statement credits. With contactless chip-and-tap security and Bank of America’s intuitive mobile app, this card is ideal for anyone who wants flexible rewards and powerful digital tools.

Terms apply. Bonus categories capped at $2,500 per quarter before reverting to 1%. 3% foreign transaction fee and balance transfer fees apply. See full terms for details.