Bank of America® Customized Cash Rewards Credit Card – Cash Back That Adapts to You

The Bank of America® Customized Cash Rewards Credit Card offers a rare benefit: the power to choose your top earning category.

From online shopping to gas to dining, you get 3% cash back in a category that matches your lifestyle—plus automatic 2% at groceries and wholesale clubs.

This is a smart choice for consumers who want control, flexibility, and consistent value with no annual fee.

• $200 online cash rewards bonus after spending $1,000 in the first 90 days

This bonus is easy to attain and makes the card instantly valuable.

• Choose from: Gas, Online shopping, Dining, Travel, Drug stores, or Home improvement/furnishings
• Change your 3% category once per calendar month

This lets you adapt your rewards to match seasonal or lifestyle changes.

• 2% cash back at grocery stores and wholesale clubs
• 1% cash back on all other purchases
• 3% and 2% rates apply to the first $2,500 in combined quarterly purchases, then earn 1%

You continue earning even after the quarterly cap—just at the standard rate.

• $0 annual fee

A great long-term option for savvy cash-back seekers who want value without the cost.

• Preferred Rewards members earn 25%–75% more
• Your 3% category could yield up to 5.25% back

This makes the card extremely rewarding when paired with eligible BofA checking and savings accounts.

• Redeem as statement credit, direct deposit into BofA accounts, checks, or gift cards

No confusing points systems—just clear, real cash value.

• $0 fraud liability
• Chip technology
• Real-time alerts and controls
• Full access through the BofA mobile app

You’ll stay secure and in control of your finances with robust digital features.

• People who want to choose how they earn
• Bank of America account holders (for enhanced rewards)
• Smart shoppers who adapt rewards to lifestyle
• Anyone seeking a no-annual-fee, flexible cash back card