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Bank of America® Customized Cash Rewards
Bank of America

Bank of America® Customized Cash Rewards

A no-annual-fee cash back card from Bank of America.

Cash back only
Annual fee
No annual fee
Welcome bonus
$200 online cash rewards bonus
Min spend
$1,000 in 90 days
Recommended credit
Good (670+)
Network
Visa
Apply on Bank of America site7.3/10Our rating · review ›

Rates, fees, and full terms are set by Bank of America and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Bank of America application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining, gas, and travel.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3% cash back in your choice category: gas, online shopping, dining, travel, drug stores, or home improvement
2% cash back at grocery stores and wholesale clubs
1% cash back on all other purchases
3% and 2% earn rate applies to the first $2,500 in combined purchases each quarter
Change your 3% category once per calendar month
Bank of America Preferred Rewards members earn 25% to 75% more cash back on every purchase

Best ways to earn & redeem

Put your dining, gas, and travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee

Alternatives to the Bank of America® Customized Cash Rewards

Pairs well with

The Bank of America® Customized Cash Rewards earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Bank of America® Customized Cash Rewards lands.

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