Bank of America® Customized Cash Rewards credit card Review

Last Updated on May 13, 2026

Offer Rating

5.0/5

By Our Content Team

EDITOR

Perhaps the most flexible cash back card on the market, the Bank of America® Customized Cash Rewards credit card lets you choose the spending category where you earn the most cash back. This card also comes with a big sign up bonus, low interest rates, and no annual fee.

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Bank of America® Customized Cash Rewards credit card

5.0 BCC Score

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on Bank of America's secure site

Welcome Offer

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

Rewards Rate

6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

Credit Score Needed

Excellent, Good

Card Brand

Visa®

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Powerful cash back program that allows you to choose your bonus category
Generous sign up bonus to kickstart your cash back earning
No annual fee and a lengthy intro APR on purchases and balance transfers

Cons

There is a 3% foreign transaction fee
There is a balance transfer fee of 3% for 60 days from account opening, then 5%

OUR EXPERT REVIEW

Why We Like It

This powerful cash back credit card gives you the option of what spending categories you earn bonus cash in. As a cardholder, you earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

There's a wide selection of categories you can choose from for the highest cash back tier, including gas and EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings. Not only that, but new cardholders can also earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Plus, there's no annual fee with the Bank of America® Customized Cash Rewards credit card.

In addition to the generous cash back rewards, this card comes with 0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After that, the ongoing APR is 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.

Pros & Cons

Pros

Powerful cash back program that allows you to choose your bonus category
Generous sign up bonus to kickstart your cash back earning
No annual fee and a lengthy intro APR on purchases and balance transfers

Cons

There is a 3% foreign transaction fee
There is a balance transfer fee of 3% for 60 days from account opening, then 5%

Pros Explained

Powerful cash back program that allows you to choose your bonus category: Many credit cards offer bonus cash back in one or two special spending categories, but this card lets you choose the category that best fits your lifestyle and spending habits.
Generous sign up bonus to kickstart your cash back earning: The $200 online cash rewards bonus is above the industry average when compared to other no annual fee cash back credit cards.
No annual fee and a lengthy intro APR on purchases and balance transfers: On top of the cash rewards, these extra perks help you save money by avoiding fees and expensive interest charges.

Cons Explained

There is a foreign transaction fee: If you use this card while traveling outside of the United States, you will be charged a 3% fee for each transaction. Some credit cards offer no foreign transaction fees.
There is a balance transfer fee: A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers. This is normal for balance transfer cards, but it's something to be aware of if you're planning on performing a balance transfer.