Tired of credit cards that don’t match your lifestyle? The Bank of America Customized Cash Rewards Credit Card puts you in control. With flexible cash back options and no annual fee, it’s a smart, customizable choice for everyday spending.
Whether you spend most on gas, online shopping, dining, or travel, this card lets you choose your 3% cash back category — and that’s just the beginning.
Why This Card is for You?
With this card, you’ll earn 3% cash back in the category of your choice — from online shopping to dining, gas, and more — plus 2% at grocery stores and wholesale clubs, and 1% on everything else. You can change your 3% category each month, giving you the power to maximize rewards based on your actual spending habits.
Add to that a $200 online cash rewards bonus after you spend $1,000 in the first 90 days, and it’s clear why this card stands out. It’s perfect for savvy spenders who want rewards that adapt to them, not the other way around.
Pros and Cons of the Bank of America Customized Cash Rewards
Before making your decision, it’s important to weigh the pros and cons:
Pros
3% cash back in your chosen category: Tailor rewards to your lifestyle.
No annual fee: Maximize rewards without extra costs.
$200 welcome bonus: Easy to unlock with just $1,000 in purchases.
Cons
Bonus categories capped: 3% and 2% rates apply only up to $2,500 per quarter.
Balance transfer fee: 3% fee on each balance transfer.
How to Apply for Your Bank of America Customized Cash Rewards
Start by visiting the official Bank of America website. Fill out the online application with your personal and financial details — it only takes a few minutes. Many applicants receive instant approval.
Once approved, you can select your 3% cash back category right away and start using the card to earn rewards on purchases that matter most to you. Your rewards will be automatically tracked and easily redeemable.