Cash Back Your Way


Why get locked into cash back categories dictated by your credit card issuer when you can make the decision yourself? If you have good to excellent credit, you like to call the shots when it comes to your credit card rewards and would benefit from a lengthy introductory APR then this card is well-suited for you. 

Up to 3% Cash Rewards

With the Bank of America® Customized Cash Rewards credit card you get to decide which category you’ll earn 3% back in each month while also earning 2% back at grocery stores and wholesale clubs. The bonus cash back earned in these combined categories (your choice, grocery and wholesale clubs) is capped at $2,500 in purchases each quarter. You’ll earn 1% after that cap is hit and on all of your other purchases. Choice categories can be easily updated through the Bank of America® mobile app each month for future purchases and include gas, online shopping, dining, travel, drug stores or home improvement/furnishings.

$200 Cash Rewards Bonus

To sweeten the deal, you’ll also earn a $200 online cash back rewards bonus after you make at least $1,000 in purchases on your card within the first 90 days of your account opening. That’s an additional 20% back on your first $1,000 spent!

Generous Introductory APR

You’ll also be able to save money with a long intro APR on purchases and balance transfers. Select ‘Apply Now’ to view the current intro APR offer details.

Increase Your Cash Back by 25% – 75%

Bank of America® Preferred Rewards program members can accelerate their cash back earnings by 25% to 75%. Your eligibility for this program is based on your Bank of America® and Merrill combined balances. If you qualify for that highest tier, then the 3% choice category could go up to 5.25% and the 2% at grocery stores and wholesale clubs could go up to 3.5% (still for the first $2,500 in combined purchases) and the 1% for all other purchases could go up to 1.75%.

If you’re in the market for a cash back card without an annual fee then you really can’t go wrong with the Bank of America® Customized Cash Rewards credit card. You can save on interest while you earn cash back and even opt-in to stay on top of your FICO® Score that is updated monthly for free. Click ‘Apply Now’ to view all the card details and easily apply.

Bank of America® Customized Cash Rewards credit card

Purchase APR
Select ‘Apply Now’ to view the current offer terms.
Balance Transfer APR
Select ‘Apply Now’ to view the current offer terms.
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
1% – 3% 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.

1% cash back on all other purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Welcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Lock in a generous intro APR and start earning cash back with the Bank of America® Customized Cash Rewards credit card!
Apply Now
on Bank of America®'s secure site

Other Cash Back Options

If you are in the market for a flexible cash back card without an annual fee then the Bank of America® Customized Cash Rewards credit card is tough to beat. Since it is always good to compare your top options, we have rounded up some other compelling cash back cards that may appeal to you as well.

Unlimited 2% Cash Back

Wells Fargo Active Cash® Card

Apply Now
on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
Show Card Details +

Wells Fargo Active Cash® Card

This card from Wells Fargo is an exciting option that also has a $0 annual fee. You will earn an unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about. Earning 2% rewards on all of your purchases is tough to beat making it a stand out option for anyone looking for a low maintenance cash rewards card that will allow you to accumulate cash rewards really quickly. There is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $1,000 in the first three months after you are approved. It also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR.

Excellent Cash Back Option for Poor or Limited Credit

Discover it® Secured Credit Card

Apply Now
on Discover’s secure site
Recommended Credit Score
New/Rebuilding
Show Card Details +

Discover it® Secured Credit Card

The no annual fee Discover it® Secured Credit Card allows you to earn cash back while you build your credit with responsible use. You will Earn 2% back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. You will also earn an unlimited 1% back on all other purchases. Making it even more enticing, the cash back you earn your first year will be automatically matched. There is no credit check to apply and you establish your credit line by providing a refundable security deposit of at least $200. Discover also starts automatic reviews of your account after seven months to see if you are eligible to transition to an account without a security deposit.

As you can see, it is a great time to be in the market for a new cash back credit card. Issuers are really stepping up their game and offering incredible perks to win your business. Credit card offers like this often don’t stick around forever so we suggest applying for one of these stand-out options today.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.