Advertiser Disclosure
This is an independent, advertising-supported comparison website. We may receive compensation from our partners when you click links on our site and take certain actions on their websites. This compensation helps keep this site free to use.
Compensation is one of several factors that may affect which products we feature, how prominently we feature them, and where they appear on our site, including, for example, their order on the page. Other factors may include our ratings and analysis, product availability, product features, and relevance to the page. We don't cover every credit card or offer available in the market. The order or prominence of products on our site does not necessarily reflect the rating we assign to a product or our assessment of its overall quality.
Compensation never affects our product ratings, analysis, or opinions, and our partners cannot pay us for a higher rating or a more favorable review.
Bank of America® Customized Cash Rewards Credit Card Review
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.
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 →