Pay No Interest Until 2027 & Earn $200 Bonuses
Competition in the credit card space is heating up and card issuers are offering incredible perks to consumers with good to excellent credit to win your business. These top-rated cards are all offering amazing cash back rewards, $200 welcome bonuses and long intro APR periods.
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This card is a strong choice for anyone looking for flexible cash back, no annual fee, and an extended introductory APR on purchases and qualifying balance transfers. Plus, during your first year, you’ll earn boosted cash back in the category you choose each month.
| Intro APR | 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days |
|---|---|
| Regular APR | 17.49% – 27.49% Variable APR |
| Welcome Bonus | $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
| Cash Back |
1% – 6% 6% cash back for the first year 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. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum. 1% cash back on all other purchases. |
| Annual Fee | $0 |
- Compelling and easily achievable bonus offer
- Flexible cash back with the option to update your rewards category each month
- Elevated cash back your first year
- Rewards categories have a $2,500 combined spending cap each quarter which limits your earning potential
- There is a foreign transaction fee so it’s not the best option for purchases outside of the U.S.
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$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
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Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
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Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
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No annual fee and cash rewards don’t expire as long as your account remains open.
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Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
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0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Here’s Why We Love This Cash Back Card
In the first year, new cardholders can earn 6% cash back (3% cash back plus a first-year 3% cash back bonus) in an eligible category you can change each month, in addition to an automatic 2% cash back at grocery stores and wholesale clubs. Earnings in these categories are capped at a combined $2,500 per quarter; after that, you’ll earn 1% back.
Assuming you spend $2,500 per quarter in the 6% categories, you could come away with up to $600 in cash back over the first year. That’s a huge earning potential. After the first year, that 6% category drops to 3% with the same spending caps, which is still a good deal.
The ability to change your bonus category to suit your spending habits is one of the biggest perks of the Bank of America® Customized Cash Rewards credit card. You’re allowed to switch categories once per calendar month (it’s easy to do in your online account), but you don’t have to do anything if you keep your category the same.
These are the categories you can choose from:
- Gas and EV charging stations
- Online shopping
- Dining
- Travel
- Drug stores and pharmacies
- Home improvement and furnishings
The Bank of America® Customized Cash Rewards credit card is an attractive card for those interested in:
- Choosing your own bonus category
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- $0 Annual Fee
We think the Bank of America® Customized Cash Rewards credit card is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
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Get unlimited 1.5% cash back on every purchase, plus bonus rewards on travel, dining, and drugstore purchases—all with no annual fee and easy cash-back redemption!
| Intro APR | 0% Intro APR on Purchases and Balance Transfers for 15 months |
|---|---|
| Regular APR | 18.24% – 27.74% Variable |
| Welcome Bonus | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening |
| Cash Back | 1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
| Annual Fee | $0 |
- Higher than average base rate of 1.5%
- Elevated 3-5% cash back on select categories
- Valuable bonus opportunity
- No ability to transfer points to travel partners unless you have an eligible annual-fee Chase card
- Charges a foreign transaction fee
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Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
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Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
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No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
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Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% – 27.74%.
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No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
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Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply 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.