Bank of America® Customized Cash Rewards Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Bank of America® Customized Cash Rewards Credit Card4.6/5

Bank of America

Annual fee
$0
Rewards rate
6%-1%
Welcome Bonus
$200
Apply Now →on Bank of America's website
Regular APR:17.49%-27.49% Variable APR

  • 6%Cash back in the category of your choice for the first year
  • 2%Cash back at grocery stores and wholesale clubs
  • 1%Cash back on all other purchases

Welcome Bonus:

Earn a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.

Reward Rate:

Earn 6% cash back in the category of your choice for the first year, 2% at grocery stores and wholesale clubs, and 1% on everything else.

APR:

17.49%-27.49% Variable APR

The standout feature of the Bank of America® Customized Cash Rewards Credit Card is its flexibility, allowing cardholders to choose their highest cash back category, which can lead to significant savings in the first year.

Pros:

  • No annual fee
  • High rewards in a customizable category

Cons:

  • Quarterly cap on bonus categories
  • Requires careful management of spending to maximize rewards
Apply now →

The Bank of America® Customized Cash Rewards Credit Card is well-suited for individuals who value flexibility in their rewards program and frequently spend in categories like groceries or online shopping. With no annual fee and a competitive cash back structure, it can be an excellent choice for those looking to maximize their rewards while minimizing costs.

Frequently Asked Questions