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 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 | 17.74% – 27.74% 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. If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus. |
| Annual Fee | $0 |
- Compelling and easily achievable bonus offer
- Flexible cash back with the option to update your rewards category each month
- Preferred Rewards® members can earn 25% – 75% more cash back on every purchase
- 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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Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. 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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$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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With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
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No annual fee and cash rewards don’t expire as long as your account remains open.
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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 17.74% – 27.74% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
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Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. 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 | 18.49% – 27.99% Variable |
| Welcome Bonus | Intro Offer: 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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Intro Offer: 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 choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
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Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% – 27.99%.
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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
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If you are looking for an easy-to-understand, flat-rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay) then this card will be a great fit.
| Intro APR | 0% intro APR for 18 months on Balance Transfers |
|---|---|
| Regular APR | 17.74% – 27.74% (Variable) |
| Welcome Bonus | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. |
| Cash Back | 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. |
| Annual Fee | $0 |
- High rewards rate with no categories or caps to worry about
- Long balance transfer intro APR
- Generous welcome bonus
- No intro APR on purchases
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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
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Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% – 27.74%, based on your creditworthiness.
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Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
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If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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.