Cash back card from Bank of America.
Bank of America Customized Cash Rewards Card
Bank of America ·
- Annual fee
- $0
- Purchase APR
- 17.74% to 27.74%
- Intro 0% APR
- 15 months
- Rewards
- 3% in a category you choose, 2% at grocery stores and wholesale clubs, 1% on all other purchases
People who want to choose their own bonus category
- 3% cash back in the category of your choice, plus a 3% first-year bonus
- 2% at grocery stores and wholesale clubs
- 0% intro APR for 15 billing cycles on purchases
- Bonus rates apply to the first $2,500 in combined purchases each quarter
- Only 1% on other purchases
Our verdict
Bank of America Customized Cash Rewards Card scores 3.6 out of 5 (72.9 of 100 points) in our method, which ranks it #7 of 8 verified credit cards we compare. Best for: people who want to choose their own bonus category.
Key terms
| Annual fee | $0 |
|---|---|
| Purchase APR | 17.74% to 27.74% |
| Intro 0% APR | 15 months |
| Rewards | 3% in a category you choose, 2% at grocery stores and wholesale clubs, 1% on all other purchases |
| Terms verified | 11/03/2026 |
Pros and cons
Pros
- 3% cash back in the category of your choice, plus a 3% first-year bonus
- 2% at grocery stores and wholesale clubs
- 0% intro APR for 15 billing cycles on purchases
Cons
- Bonus rates apply to the first $2,500 in combined purchases each quarter
- Only 1% on other purchases
Who it is for
- A good fit: People who want to choose their own bonus category.
- Look at other options if any of these is a dealbreaker: bonus rates apply to the first $2,500 in combined purchases each quarter; only 1% on other purchases.
How it compares
| Card | Annual fee | Purchase APR | Rewards | Our rating |
|---|---|---|---|---|
| Wells Fargo Active Cash Card | $0 | 18.74% to 28.74% | Unlimited 2% cash rewards on purchases | 4.2 |
| Capital One Quicksilver Cash Rewards Card | $0 | 18.74% to 28.74% | Unlimited 1.5% cash back on every purchase | 4.0 |
| Chase Freedom Unlimited | $0 | 18.49% to 27.99% | Unlimited 1.5% cash back on all purchases | 4.0 |
| Discover it Cash Back | $0 | 18.74% to 28.74% | 5% in rotating quarterly categories (up to the quarterly maximum, activation required) and 1% on all other purchases | 3.7 |
| American Express Blue Cash Everyday Card | $0 | 19.74% to 28.74% | 3% at U.S. supermarkets (up to $6,000 a year, then 1%), 1% on other eligible purchases | 3.7 |
| Chase Freedom Flex | $0 | 18.49% to 27.99% | 5% in quarterly bonus categories and 1% on all other purchases | 3.6 |
| Bank of America Customized Cash Rewards Card | $0 | 17.74% to 27.74% | 3% in a category you choose, 2% at grocery stores and wholesale clubs, 1% on all other purchases | 3.6 |
| Citi Double Cash Card | $0 | 18.49% to 28.74% | 2% cash back: 1% when you buy and 1% as you pay | 3.1 |
See it in our full comparison: Cash Back Credit Cards: Compared.
How we scored it
The score uses only the card’s published terms. Whether a provider pays us, or whether we have any agreement with it, plays no part. Read the full method.
| Part | Weight | This card |
|---|---|---|
| Rewards | 30 | 33 / 100 |
| Fees | 25 | 100 / 100 |
| APR | 20 | 100 / 100 |
| Welcome offer | 5 | 67 / 100 |
| Service | 10 | not scored |
| Credit requirement | 10 | not scored |
Frequently asked questions
What is the annual fee on the Bank of America Customized Cash Rewards Card?
The annual fee is $0, according to Bank of America (verified 11/03/2026).
What is the APR on the Bank of America Customized Cash Rewards Card?
The purchase APR is 17.74% to 27.74%, as stated by Bank of America. Card APRs are variable and depend on your creditworthiness.
How do rewards work on the Bank of America Customized Cash Rewards Card?
3% in a category you choose, 2% at grocery stores and wholesale clubs, 1% on all other purchases. Check the issuer's terms for caps, categories and how to redeem.
Is there a welcome offer on the Bank of America Customized Cash Rewards Card?
Bank of America states a welcome offer worth $200. Offers can change and have spending requirements and deadlines; confirm them on the issuer's page.
Sources
- Bank of America product page, read 11/03/2026
Terms change; confirm them on the provider’s site. Not financial advice.