Credit and Loans
Bank of America® Customized Cash Rewards – Cash Back Your Way
Choose your top spending category and earn more—plus no annual fee and bonus for loyal customers
Flexible Cash Back Credit Card
Customize your highest-earning category to match your lifestyle
- Annual Fee: $0
- Rewards Rate: 3% in a category of your choice, 2% at grocery stores & wholesale clubs (up to $2,500/quarter), 1% on all other purchases
- Welcome Offer: $200 online cash rewards bonus after $1,000 in purchases in the first 90 days
- Recommended Credit Score: 690–850 (Good to Excellent)
Pick one of six categories—gas, online shopping, dining, travel, drug stores, or home improvement—and earn 3% cash back on what matters most to you.
Earn 25%–75% more cash back if you’re a Bank of America Preferred Rewards® member—making this card even more rewarding.
Bank of America® Customized Cash Rewards
Choose your 3% category + earn more with Preferred Rewards.
More DetailsHow to Apply
Apply online quickly and securely through Bank of America. Get a fast decision and start customizing your rewards today.
Alternative Option: Bank of America® Unlimited Cash Rewards
Prefer a flat 1.5% cash back with no category tracking? The Unlimited Cash Rewards card offers effortless rewards on every purchase.
Bank of America® Unlimited Cash Rewards
Earn 1.5% cash back on everything—automatically, with no annual fee.
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