Bank of America® Customized Cash Rewards Credit Card
Earn 6% cash back in your choice category for the first year (3% base + 3% bonus), 2% at grocery stores and wholesale clubs, and 1% on all other purchases, with quarterly cap of $2,500 in combined choice category and grocery/wholesale purchases. $200 cash rewards bonus after $1,000 spend in 90 days. No annual fee.
Annual Fee
$0
Top Earning Rate
0.06% back choice category (first year: gas/ev charging stations, online shopping/cable/internet/phone/streaming, dining, travel, drug stores/pharmacies, home improvement/furnishings)
Foreign Tx Fee
N/A
Rating
N/A
Current Welcome Offer
200 cashback
$200 estimated value
Spend $1,000 in 90 days
Card Offers
public
200 cashback
$200 estimated value
Spend $1,000 in 90 days
Earning Rates
3% base + 3% first-year bonus; first $2,500 in combined purchases with grocery stores/wholesale clubs each quarter, then 1%
first $2,500 in combined purchases with grocery stores/wholesale clubs each quarter, then 1%
first $2,500 in combined purchases with choice category each quarter, then 1%
unlimited
Pros & Cons
Pros
- No annual fee
- Customizable 6 percent cash back in choice category for first year
- Generous $200 welcome bonus after $1,000 spend
- Long 15-billing-cycle 0 percent intro APR on purchases and balance transfers
- 2 percent cash back on groceries and wholesale clubs
Cons
- Quarterly $2,500 cap on combined bonus category spending
- Cash back in choice category drops to 3 percent after first year
- High ongoing variable APR up to 27.49 percent
- Balance transfer fee applies after intro period
Key Takeaways
- Earn up to 6 percent cash back in your choice category for the first year on $2,500 quarterly combined with groceries
- No annual fee and $200 bonus after $1,000 spend in 90 days
- 0 percent intro APR for 15 billing cycles on purchases and balance transfers within 60 days
- 2 percent at grocery stores and wholesale clubs under quarterly cap
- 1 percent unlimited on all else
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 17.49% - 27.49%0% intro APR for 15 months
- Balance Transfer APR
- 17.49% - 27.49%0% intro APR for 15 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Frequently Asked Questions
What is the annual fee for this card?
How do the cash back rewards work?
What is the welcome bonus?
What are the introductory APR offers?
What choice categories are available?
Is there a cap on bonus category rewards?
What is the balance transfer fee?
About This Card
This card suits consumers who spend heavily in one everyday category like gas, groceries, or online shopping and want customizable cash back without an annual fee. It fits those seeking a welcome bonus and intro APR period for purchases or debt payoff.
Bank of America® Customized Cash Rewards credit card offers customizable cash back: 3% + 3% first-year bonus (total 6%) in one choice category (gas/EV charging, online shopping, dining, travel, drug stores/pharmacies, home improvement/furnishings) on first $2,500 combined quarterly with grocery/wholesale clubs; 2% at grocery stores/wholesale clubs (same cap); 1% unlimited elsewhere. $200 online cash rewards bonus after $1,000 purchases in first 90 days. 0% Intro APR for 15 billing cycles on purchases and balance transfers within 60 days, then 17.49%-27.49% Variable APR. 3% intro BT fee for 60 days, then 5%. No annual fee.
It stands out in the mid-tier cash back space with a customizable 6 percent rate in a choice category for the first year, exceeding typical flat rates from peers.
Ready to Decide?
Apply for the Bank of America® Customized Cash Rewards Credit Card
200 cashback, worth about $200 estimated value, with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
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