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Best For Customizable Rewards
Bank of America® Customized Cash Rewards credit card
Pick this card if: You want one of the best category cash back rates we’ve seen, a valuable welcome bonus, plus a strong intro APR offer if you need it.
on Bank of America's website
- Welcome Bonus
- $200
- Rewards Rate
- 1%-6% cash back
- Annual Fee
- $0
- Balance Transfer Intro APR
- X% Intro APR for XX billing cycles for any balance transfers made in the first 60 days
- Purchases Intro APR
- X% Intro APR for XX billing cycles for purchases
- Regular APR
- XX.XX%–XX.XX% Variable APR
- Recommended Credit Score
- 670-850 (Good to Excellent)
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.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- X% Intro APR for XX 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 XX.XX% – XX.XX% will apply. A X% 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 X%. 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.
Pros & Cons
Pros
- Big earnings potential from category cash back
- Strong 0% intro APR period
- Competitive welcome bonus
Cons
- Baseline cash back rate is low
Why we like it
The standout here is the cash back: this card offers one of the strongest rewards rates we’ve seen, especially if a lot of your spending falls into your chosen bonus category. Pair that with a strong intro APR offer, a valuable welcome bonus, and no annual fee, and it’s an excellent all-around cash back card.
Opens in a new tab: Apply now for the Bank of America® Customized Cash Rewards credit card →