Bank of America® Customized Cash Rewards credit card
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Credit Score
Intro Offer
$200
online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Rewards Rate
6% cash back for the first year in the category of your choice
Foreign Fee
3%
Purchase APR
0%
Balance Transfer APR
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Editor's Take
CardCompareHub editorialEditorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Bank of America.
The personal version of BoA's customizable cash-back card: pick the top-tier category from a list (gas, online shopping, dining, travel, drug stores, or home improvement) and earn a second tier at grocery stores and wholesale clubs. The combined bonus-rate spend is capped per quarter, then drops to the baseline — a tighter cap than competitors that effectively limits how much the card can earn for boosted spenders.
The welcome bonus and a long 0% intro APR are solid, and Preferred Rewards customers earn meaningfully more on every transaction. For a top-tier Bank of America household, the boosted rate beats every flat-rate competitor in those categories. Without the relationship boost, the quarterly cap is the binding constraint — most households exceed the cap on their top category by mid-year and start earning the baseline rate for the rest, leaving real money on the table.
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. 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.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Bank of America® Customized Cash Rewards credit card
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Rates & fees apply. See issuer's website for full terms and conditions.