BANK OF AMERICA® CUSTOMIZED CASH REWARDS CARD
The Bank of America Customized Cash Rewards card is a flexible, no-annual-fee credit card that lets you maximize cash back in the category that fits your lifestyle.
WHAT MAKES IT UNIQUE?
This card puts you in control by letting you choose where to earn more. Bonus cash back applies to everyday essentials like gas, groceries, and online shopping.
- Earn 3% cash back in one category of your choice (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings).
- 2% cash back at grocery stores and wholesale clubs.
- 1% back on all other purchases.
- Combined quarterly cap of $2,500 on 3% and 2% categories; 1% thereafter.
- Categories can be changed once per calendar month in-app or online.
INTRO BONUS & SPECIAL OFFERS
Get rewarded from day one with valuable intro perks and cash bonuses. Great for balance transfers or big purchases with no interest for over a year.
- $200 online cash rewards bonus after spending $1,000 in the first 90 days.
- 0% Intro APR for 15 billing cycles on purchases and balance transfers (within 60 days), then a variable APR applies.
- 6% cash back intro offer in your chosen 3% category for the first 12 months (for online applicants only).
- No annual fee, and no penalty APR.
PREFERRED REWARDS ENHANCEMENTS
Bank of America customers get even more. If you qualify for Preferred Rewards, your cash back rate gets a powerful boost up to 75% more.
- Preferred Rewards members can earn 25%–75% more cash back on every purchase—up to 5.25% total back in your 3% category.
- Requires linked Bank of America or Merrill accounts to qualify.
OTHER CARD FEATURES
Enjoy added benefits that help you track spending, stay secure, and redeem easily. The card also supports contactless payments for speed and convenience.
- Contactless payment enabled.
- Free FICO® Score access.
- Fraud protection, digital card management, and mobile alerts.
- Redemption options include statement credit, direct deposit, and contributions to Merrill accounts.
Top Credit Card Providers Compared – Rewards, Intro Apr & annual Fee
Pros of BOA® Customized Cash Rewards
- Customizable 3% Category
- Strong Intro Offers
- No Annual Fee
- Preferred Rewards Boost
Cons of BOA® Customized Cash Rewards
- Quarterly Cap on Bonus Rates
- Limited Category Selection
- Category Changes Not Automatic
- Foreign Transaction Fee
