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Bank of America: Rewards Your Way

The Bank of America® Customized Cash Rewards Card offers 3% cashback in a category you choose, 2% at grocery stores/wholesale clubs, and 1% on other purchases. No annual fee and a $200 bonus after spending $1,000 in 90 days. Preferred Rewards members can boost earnings by up to 75%.

Unlock Flexible Rewards with Every Purchase

  1. Choose Your 3% Cashback Category
    Unlike traditional cards, you can select one category every month to earn 3% cashback: gas, online shopping, dining, travel, drugstores, or home improvement/furnishings. This gives you the flexibility to align rewards with your current lifestyle.

  2. Bonus Categories + $200 Welcome Offer
    You also earn 2% at grocery stores and wholesale clubs, plus a $200 cash bonus after spending $1,000 in the first 90 days. Combined with flexible 3% rewards, this card delivers strong upfront and ongoing value.

  3. No Annual Fee
    Maximize your cashback without worrying about yearly costs. With no annual fee, all your rewards go straight into your wallet—making it easier to save.

  4. Even Higher Rewards with Preferred Rewards
    Bank of America customers enrolled in Preferred Rewards can boost their cashback by 25% to 75%, meaning your 3% category could earn up to 5.25%, depending on your tier. That’s exceptional for a no-fee card.

Considerations Before You Apply

Some spending limits and category rules may require planning, but benefits remain strong

  • Quarterly Cap on Bonus Categories
    The 3% and 2% cashback categories are capped at $2,500 in combined purchases per quarter. After that, the cashback drops to 1%. While this cap is sufficient for most consumers, high spenders may feel limited.

  • Category Must Be Manually Selected
    If you want to change your 3% category, you need to do so manually once per calendar month. Forgetting to update may reduce your earning potential. However, the app makes it easy and quick to switch categories, minimizing inconvenience.

How to Apply for the Bank of America® Customized Cash Rewards Card

Applying for the Bank of America® Customized Cash Rewards Credit Card is a fast and easy process. You can complete your application online in just minutes. To be eligible, you must be at least 18 years old, have a valid Social Security number, and a stable income source.

Start by visiting the Bank of America website or using the mobile app. You’ll need to enter your personal information, including your name, address, income details, and employment status. Bank of America may perform a credit check to determine your eligibility.

Once submitted, most applicants receive an instant decision. If approved, you’ll receive your card by mail in 7–10 business days. You can also begin managing your account digitally and customize your 3% cashback category right away. The application process is secure, user-friendly, and designed to get you started with rewards quickly.

  • Visit the official Bank of America credit card webpage

  • Select the Customized Cash Rewards Credit Card

  • Click Apply Now and complete the online form with your personal and financial information

  • Review your application and submit it securely

  • If approved, receive your card by mail and start earning cashback immediately

The Bank of America® Customized Cash Rewards Credit Card is a compelling choice for anyone seeking flexibility, simplicity, and solid cashback returns—especially for those who already bank with BoA. What sets it apart is the power to choose your top-earning category, adapting rewards to your spending needs each month.

With the potential to earn up to 3% cashback in customized categories, 2% on groceries and wholesale clubs, and 1% on everything else, this card brings real value across your everyday expenses. The $2,500 quarterly cap is generous enough for most users and helps ensure consistent rewards throughout the year.

Add to that the $200 welcome bonus, no annual fee, and the potential for up to 75% bonus cashback through the Preferred Rewards program, and you have one of the most rewarding no-fee credit cards on the market.

The user-friendly digital tools and category flexibility make it easy to manage and maximize your benefits, while built-in security features and fraud monitoring give you peace of mind with every purchase.

Whether you’re fueling up for road trips, shopping online, or stocking up at wholesale clubs, the Bank of America Customized Cash Rewards Card helps you earn more where you spend most. It’s a well-rounded, accessible, and powerful cashback card built to grow with your financial habits.

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