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Customize Your Cashback with the Bank of America® Customized Cash Rewards Credit Card

Tailor your rewards to fit your lifestyle—earn more where you spend the most with no annual fee

  • Flexible 3% Category of Your Choice

  • With this card, you can choose where you earn 3% cashback—options include gas, online shopping, dining, travel, drugstores, or home improvement/furnishings. You can change your selected category once a month, making it easy to align with your current spending habits.

  • Bonus Cash Back at Grocery Stores and Wholesale Clubs

  • In addition to your 3% category, you automatically earn 2% cashback at grocery stores and wholesale clubs, helping you save on everyday essentials.

  • $200 Online Cash Bonus

  • New cardholders can earn a $200 cash bonus after spending just $1,000 within the first 90 days of account opening—a great boost right from the start.

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Things to Keep in Mind Before You Apply

  • Quarterly Spending Cap on Bonus Categories
    The 3% and 2% cashback categories are limited to a combined $2,500 in purchases per quarter. After reaching this cap, the cashback rate drops to 1%. While this may not affect moderate spenders, high spenders may find it somewhat limiting.

  • Category Selection Must Be Updated Manually
    You need to manually select your preferred 3% category if you want to change it—once per month. If you forget to update it, you may miss out on maximizing your rewards. Fortunately, the Bank of America mobile app makes this process quick and easy.

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

Applying for the Bank of America® Customized Cash Rewards Credit Card is quick, secure, and completely online. You must be at least 18 years old, have a valid U.S. address, and a Social Security number. To get started, visit the official Bank of America website or use their mobile banking app.

You’ll need to provide standard personal and financial information including your full name, income, employment status, and contact details. A credit check will be performed, so a good to excellent credit score improves your chances of approval.

Most applicants receive a decision within minutes. Once approved, you can start customizing your 3% cashback category and begin earning rewards right away. The physical card arrives by mail in 7–10 days, and you can manage everything digitally from the Bank of America app or online portal.

The Bank of America® Customized Cash Rewards Credit Card offers a rare and valuable combination of flexibility, generous cashback, and no annual fee, making it one of the most compelling cashback cards on the market today.

What truly sets this card apart is its customizable rewards structure. Instead of being locked into fixed bonus categories, you can choose one of six options to earn 3% cashback based on what suits you best each month. Whether you’re planning a vacation (travel), remodeling your kitchen (home improvement), or doing more online shopping, this card adapts to your life.

On top of that, you automatically get 2% cashback at grocery stores and wholesale clubs and 1% on all other purchases. These bonuses apply to the first $2,500 in combined purchases each quarter in the 3% and 2% categories, which is plenty for the average spender. After that, all purchases still earn a solid 1%.

New users can take advantage of a $200 online cash bonus after spending $1,000 within the first 90 days—an achievable goal that adds immediate value.

If you’re a Bank of America customer and qualify for their Preferred Rewards program, your cashback rate can increase by 25% to 75%, allowing your 3% category to reach as high as 5.25%—unheard of for a no-annual-fee card.

Security-wise, Bank of America offers strong fraud protection, account alerts, and virtual card numbers for online purchases. Plus, you can manage your rewards, track spending, and switch categories right from their top-rated mobile app.

If you want a credit card that adapts to your needs, rewards your lifestyle, and puts money back in your pocket without extra fees, the Customized Cash Rewards Credit Card is a smart, strategic choice.

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