Credit Cards and Cash Back

Tailor Your Rewards: The Bank of America® Customized Cash Rewards Card

Earn more cash back in categories you choose, with no annual fee.

Bank of America® Customized Cash Rewards Card

Customize your cash back earnings to fit your spending habits.

Annual Fee: $0
Rewards Rate: 3% (choice category), 2% (groceries/wholesale)
Intro Offer: $200 bonus
Credit Score: 670-850

Bank of America® Customized Cash Rewards Card

LEARN MORE & APPLY

Exploring Credit Limit Options

The Bank of America® Customized Cash Rewards Card offers a range of credit limits based on your creditworthiness. While specific limits are determined upon approval, here are common tiers you might qualify for, providing flexibility for your daily spending and larger purchases:

CARDS: TYPICALLY $500 – $3,000 LIMIT

CARDS: POTENTIALLY $3,000 – $8,000 LIMIT

CARDS: ELIGIBLE FOR $8,000+ LIMITS

Customize Your Cash Back for Maximum Rewards

The Bank of America® Customized Cash Rewards Card puts you in control of your earnings. Choose your 3% cash back category from options like gas, online shopping, dining, travel, drug stores, or home improvement. Plus, automatically earn 2% cash back at grocery stores and wholesale clubs, and 1% on all other purchases. For Bank of America Preferred Rewards® members, these rates can be boosted by 25% to 75%, making your cash back even more rewarding!

Bank of America® Customized Cash Rewards Card

Choose your 3% cash back category and change it monthly!

Learn About Preferred Rewards

The Simple Application Process

Ready to start customizing your cash back? Applying for the Bank of America® Customized Cash Rewards Card is a straightforward online process. Bank of America has made it user-friendly, typically taking just a few minutes to complete. Ensure you have your personal and financial information readily available for a smooth application.

An Excellent Alternative: Chase Sapphire Preferred

If you’re exploring other flexible cash back options, the **Chase Sapphire Preferred** is a strong alternative. It offers 5% cash back on rotating bonus categories you activate each quarter (on up to $1,500 in combined purchases), 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases. It’s a great choice for those who enjoy maximizing rotating categories.

Chase Sapphire Preferred

Earn 5% cash back on rotating bonus categories each quarter.

Explore Freedom Flex

Frequently Asked Questions About the Bank of America® Customized Cash Rewards Card

: You earn 3% cash back in a category of your choice (Gas, Online Shopping, Dining, Travel, Drug Stores, or Home Improvement), 2% at grocery stores and wholesale clubs, and 1% on all other purchases. The 3% and 2% apply to the first $2,500 in combined choice category/dining/grocery store purchases each quarter.
: No, the Bank of America® Customized Cash Rewards Card has a $0 annual fee, making it a great choice for earning cash back without recurring costs.
: If you’re a Bank of America Preferred Rewards member, you can boost your cash back earnings by 25% to 75% on every purchase, depending on your tier. This can make your 3% category earn up to 5.25% cash back.
: Yes, the Bank of America® Customized Cash Rewards Card typically charges foreign transaction fees (around 3%). It’s generally not recommended for international purchases.
: Applicants generally need a good to excellent credit score, typically in the range of 670-850 FICO, to be approved for the Bank of America® Customized Cash Rewards Card.