Bank of America® Customized Cash Rewards Credit Card: Flexible Cash Back with a 6% Intro Bonus
The Bank of America® Customized Cash Rewards Credit Card is a smart choice for everyday spenders looking to earn flexible cash back, especially during the first year, thanks to its limited-time 6% category bonus and $200 online cash reward.
🎯 Key Benefits (Limited-Time Offer)
- 6% cash back in your selected category for the first year (normally 3%)
- Categories include: travel, gas/EV charging, online shopping, dining, drug stores, or home improvement
- 2% cash back at grocery stores and wholesale clubs
- 1% unlimited cash back on all other purchases
- $200 bonus after spending $1,000 in the first 90 days
- No annual fee
- 0% intro APR for 15 billing cycles on purchases and balance transfers
After the first year, earn 3% in your selected category, and 2% at groceries/wholesale clubs (up to $2,500 in combined purchases quarterly).
✈️ Is It Good for Travel?
Yes, if you set “travel” as your 6% category, you can maximize rewards on flights, hotels, and vacation bookings in your first year. However:
- ❌ It does not include traditional travel insurance, rental car protection, or lounge access
- ✅ It’s great for earning rewards on travel-related purchases, especially if you’re a Preferred Rewards member (bonus up to +75%)
💡 Ideal For:
| User Type | Fit for This Card? |
|---|---|
| Everyday spender | ✅ Yes |
| Budget traveler | ✅ Yes (travel as 6%) |
| Frequent international flyer | ❌ No travel perks |
| Online shopper | ✅ Great pick |
| Travel insurance seeker | ❌ Consider premium cards |
🔐 Other Features
- Contactless payments + digital wallet support
- $0 liability on fraudulent purchases
- FICO® score access
- Optional overdraft protection (Balance Connect®)
- Mobile + online banking with alerts
📝 Final Thoughts
The Bank of America® Customized Cash Rewards Credit Card is ideal for flexible earners who want to maximize rewards across travel, groceries, or online purchases, without an annual fee. It’s not a “travel credit card” by protection standards—but it’s excellent for earning travel cash back.
