Bank of America® Customized Cash Rewards Card

Choose your own 3% cash back category (gas, online shopping, dining, travel, drug stores, or home improvement). 2% at grocery stores, 1% all else.

Last checked on June 13, 2026. We may earn a commission when you click through.

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✓ 3% cash back in your chosen category ✓ No annual fee ✓ Sign-up bonus of $200 after $1,000 in purchases
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Bank of America® Customized Cash Rewards Card

Visa · cashback

Our Verdict

The Bank of America® Customized Cash Rewards Card offers flexible cash back options tailored to your spending habits, making it a solid choice for those who value customization.

What it really costs

Annual fee No annual fee
APR Range 18.74% – 29.74%

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Who it's for

Best for consumers who want to maximize their cash back rewards in specific spending categories and prefer no annual fees.

Watch out

Watch out for the variable APR, which can become expensive if balances are not paid off monthly.

The good and the not so good

  • 3% cash back in your chosen category
  • No annual fee
  • Sign-up bonus of $200 after $1,000 in purchases
  • 2% cash back at grocery stores
  • Good for those with a credit score of 670+
  • Variable APR between 18.49% - 28.49%
  • Limited to 3% cash back in one category
  • Potential for high interest if not paid in full
  • Requires ongoing management of category selection
  • Online resources may be temporarily unavailable

In-Depth Review

The Bank of America® Customized Cash Rewards Credit Card stands out with its ability to let users select a 3% cash back category from options like gas, dining, or online shopping. This feature is particularly beneficial for individuals with distinct spending patterns, allowing them to maximize their rewards effectively. The card also provides 2% cash back at grocery stores and 1% on all other purchases, which is competitive in the cash back credit card market. Additionally, the absence of an annual fee makes it accessible for budget-conscious consumers. However, potential users should be cautious of the variable APR that ranges from 18.49% to 28.49%. This can lead to significant interest charges if balances are not paid off monthly. Another consideration is the limitation of a single 3% category, which may not suit everyone. The requirement to actively manage category selections can be cumbersome for some users. Overall, this card is a strong option for those looking to tailor their rewards to their spending habits, but it may not be the best fit for individuals who carry balances or prefer a simpler rewards structure.

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