$0
Annual fee
See the card
Card reviewBank of America
Updated Aug 2, 2026 · research
Bank of AmericaBofA Rewards
Bank of America® Customized Cash Rewards Credit Card
Earn 6% cash back in the category of your choice for the first year, plus a $200 online cash rewards bonus.
Entry LevelPersonal
Visa
$0
Annual fee
6% back choice category (first year)
Top rate
N/A
Foreign fee
N/A
Rating
Current Welcome Offer
Earn $200
Spend $1,000 in 90 days
Verifiedofficial site
Card Offers
public
Earn $200
Spend $1,000 in 90 days
official site
Earning Rates
Choice Category (First Year)
6%cash back
Earns 3% base + 3% first-year cash back bonus on the first $2,500 in combined choice category, grocery store, and wholesale club purchases each quarter.
Choice Category
3%cash back
Earns 3% after the first year on the first $2,500 in combined choice category, grocery store, and wholesale club purchases each quarter.
Grocery Stores and Wholesale Clubs
2%cash back
Earns 2% on the first $2,500 in combined choice category, grocery store, and wholesale club purchases each quarter.
All Other Purchases
1%cash back
Earns unlimited 1% cash back on all other purchases.
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.
Card Benefits
3 benefits (1 strong or better)
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for this card?
The card has no annual fee. It remains fee-free every year.
How do the cash back rewards work?
Earn 6 percent cash back in one choice category during the first year and 3 percent after on the first $2,500 in combined quarterly purchases with grocery stores and wholesale clubs. Earn 2 percent at grocery stores and wholesale clubs under the same cap and 1 percent on all other purchases.
What is the welcome bonus?
Cardholders receive a $200 online cash rewards bonus after making $1,000 in purchases within the first 90 days.
What are the introductory APR offers?
The card offers 0 percent intro APR for 15 billing cycles on purchases and balance transfers made within 60 days. After that, the variable APR ranges from 17.49 percent to 27.49 percent.
What choice categories are available?
Choice categories include gas and EV charging stations, online shopping, cable, internet, phone, and streaming, dining, travel, drug stores and pharmacies, and home improvement and furnishings.
Is there a cap on bonus category rewards?
Yes, bonus rewards apply to the first $2,500 in combined purchases each quarter in the choice category and grocery stores and wholesale clubs. Purchases beyond the cap earn 1 percent cash back.
What is the balance transfer fee?
There is a 3 percent intro balance transfer fee for transfers within 60 days, then 5 percent.
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.
The Bank of America® Customized Cash Rewards credit card allows cardholders to maximize rewards by choosing where they earn. Cardholders earn 3% cash back (boosted to 6% in the first year) in a category of choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases, subject to combined quarterly caps.
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
Earn $200 with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
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