Imagine a credit card that adapts to your lifestyle — not the other way around. That’s exactly what the Bank of America Customized Cash Rewards Credit Card delivers. With no annual fee and the freedom to choose how you earn 3% cash back, this card is ideal for anyone who values personalization and real savings.
Whether you’re an online shopper, foodie, commuter, or someone who just loves variety, this card lets you maximize your rewards in the places you spend most.
About the bank Bank of America
Bank of America is one of the nation’s most respected and widely used financial institutions, serving more than 67 million clients across personal banking, investing, and lending. With a strong commitment to innovation and customer support, it offers one of the most diverse credit card portfolios in the U.S.
Their focus on delivering value to everyday consumers is evident in cards like the Customized Cash Rewards, which are designed to offer flexibility, transparency, and tangible savings.
How This Card Works
The Bank of America Customized Cash Rewards Credit Card offers tiered cash back: 3% in one category of your choice (like online shopping, gas, or dining), 2% at grocery stores and wholesale clubs, and 1% on everything else. You can update your 3% category once per month to align with your spending patterns.
As a Visa card, it includes standard benefits like $0 liability for unauthorized purchases, widespread global acceptance, and contactless payment features for added convenience.
Requirements to apply for this credit card
- Recommended credit score of 670 or higher
- U.S. resident with valid identification
- Age 18+ (or 21+ depending on state)
- Steady income source
Card fees
- No annual fee
- Balance transfer fee: 3% of each transfer
- Late payment and returned payment fees may apply
Apply for your card online
- Visit the Bank of America application page
- Click “Apply Now”
- Enter your personal and financial information
- Choose your 3% category during setup
- Submit the form and wait for a decision — often instant
Get approved today!
This card is ideal for people who want more flexibility in how they earn cash back. From groceries to travel, you choose the bonus category — and your rewards reflect your lifestyle.
Start earning smarter and saving more today.