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Tailored cash back with strong first-year boosts
6% First-Year Bonus in Your Top Category
Earn 6% cash back in the 3% category of your choice for the first 12 months, up to quarterly limits.
Customizable 3% Cash Back Categories
Choose one 3% category—like gas, online shopping, dining or travel—and change it once each calendar month if your spending shifts.
Tiered Rewards on Everyday Spending
Get 3% in your chosen category, 2% at grocery stores and wholesale clubs, and 1% on all other eligible purchases.
No Annual Fee, Preferred Rewards Boost
Pay no annual fee and potentially increase all your cash back by 25%–75% if you qualify for Bank of America Preferred Rewards®.
A Flexible Cash-Back Card You Can Tune to Your Budget
The Bank of America® Customized Cash Rewards credit card is for people who want higher cash-back potential than a flat-rate card without managing rotating categories or multiple cards. It offers 3% cash back in one “choice” category, 2% at grocery stores and wholesale clubs, and 1% on other eligible purchases. The 3% and 2% tiers share a cap: you earn those higher rates on up to $2,500 in combined spending each quarter across your selected 3% category and grocery/wholesale purchases, then 1% on further spending in those categories for the rest of the quarter.
A major strength is control over the 3% category. You can choose from everyday categories like Gas & EV Charging Stations, Online Shopping, Dining, Travel, Drug Stores, and Home Improvement & Furnishings. Many recurring bills can fit here. Online Shopping can include cable, internet, and streaming subscriptions billed online, while Travel can include airfare, hotels, tolls, rideshares, and public transit. You may change your 3% category once each calendar month through online or mobile banking, matching rewards to upcoming expenses such as a vacation, home project, or commuting period.
As of 2025, new cardholders get an enhanced first-year structure: 6% cash back in their chosen 3% category for the first 12 months, provided as the normal 3% plus an extra 3% bonus. This elevated rate is still subject to the $2,500 quarterly combined cap shared with grocery and wholesale club purchases. The card also typically offers a $200 online cash rewards bonus when you spend at least $1,000 in the first 90 days, giving strong first-year value if you route regular expenses through the card.
There is no annual fee, which makes it easy to keep this card long term as part of a cash-back strategy. For financing, it usually offers a 0% intro APR on purchases and qualifying balance transfers for 15 billing cycles, if transfers are made within the first 60 days. After that, a variable APR in the high teens to high 20s applies to purchases and transfers, and a balance transfer fee is charged, often 3% for the first 60 days, then 4%. This can work for short-term financing if you have a payoff plan.
Cash-back redemptions are simple. You earn “cash rewards” that you can redeem as a statement credit, direct deposit to an eligible Bank of America account, or a credit to an eligible Merrill account, with some setups allowing checks. Redemption minimums are low, and you can redeem soon after rewards post.
The card is stronger if you qualify for Bank of America Preferred Rewards. With enough combined balances in eligible Bank of America and Merrill accounts, you receive a 25%–75% bonus on cash back. That can lift the 3% category to as much as 5.25%, the 2% grocery/wholesale rate to 3.5%, and the 1% base rate to 1.75%, all with no annual fee.
Turn Your Top Spending Category Into 6% First-Year Cash Back
If you want a card that adapts to your spending instead of forcing you into fixed categories, the Bank of America Customized Cash Rewards credit card delivers rare flexibility in a no-annual-fee package. The ability to choose your 3% category—then earn a boosted 6% in that category during the first year—lets you align rewards with your real budget rather than chasing bonus structures that do not match your lifestyle. Whether your largest expense is gas and EV charging, online purchases, dining out, travel, drug store runs or home improvement, you can tune the card to match it and adjust as your priorities change.
The spending cap of $2,500 per quarter across your 3% category and 2% grocery/wholesale spending means you get the most from the card by concentrating everyday essentials into those buckets. For many people, a combination of weekly grocery trips, warehouse club runs and focused spending in the chosen category (such as fuel, online shopping or travel) is enough to hit the cap without forcing artificial purchases. After you exhaust the cap in a quarter, those purchases still earn 1%, so the card continues to generate rewards on the same transactions.
The first year can be especially valuable. A typical welcome offer currently includes a $200 online cash rewards bonus after $1,000 in purchases within the first 90 days, plus the 6% first-year multiplier in your chosen category. Used strategically, that combination can produce a very strong first-year return, particularly if you time big expenses—like a move, vacation, or home project—around your 3%/6% category. Adding the 0% intro APR on purchases and balance transfers for 15 billing cycles gives you a safety net for planned financing, as long as you commit to paying off your balance before the promo period ends.
Longer term, the card’s real power comes when you pair it with a deeper relationship at Bank of America. If you qualify for Preferred Rewards, your cash-back rates can rise by 25%–75% across the board. High-tier customers can turn the 3% category into an effective 5.25% rate and lift baseline earnings to 1.75% without ever paying an annual fee. That combination—flexible categories, no annual fee, and relationship bonuses—makes the Customized Cash Rewards card a compelling core option for many U.S. consumers, especially those willing to consolidate banking and investing under one umbrella.
If you are looking for a versatile everyday card and your spending fits within the $2,500 quarterly cap for bonus categories, this card can serve as a powerful engine for cash back. To move forward, review the latest offer details, rates and fees on the official Bank of America credit cards page, make sure the 6% first-year structure and welcome bonus match your plans, and then submit your application online. Used thoughtfully, the Bank of America Customized Cash Rewards credit card can turn your largest regular expenses into consistent, high-value cash back.