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Bank of AmericaLast verified: February 2026
Bank of America® Customized Cash Rewards Credit Card
Choose your own 3% cash back category and earn even more with Preferred Rewards.
on Bank of America's secure site
Welcome Bonus
200 cash
Annual Fee
$0
Base Rewards
1x
APR
19.24% - 29.24%
Card Details at a Glance
Last verified: February 2026IssuerBank of America
Card CategoryCashback
Annual Fee$0 (No Annual Fee)
Regular APR19.24% - 29.24% (Variable)
Foreign Transaction Fee3%
Base Rewards Rate1x on all purchases
Credit Score NeededGood (700+)
Welcome Bonus200 cash (spend $1,000 in 3 months)
Pros & Cons
Pros
- Generous 200 cash welcome bonus (worth ~$200)
- No annual fee
- 3% cash back in your choice of category
- 2% at grocery stores and wholesale clubs
- Up to 75% rewards bonus with Preferred Rewards
Cons
- 3% foreign transaction fee
- High ongoing APR range (up to 29.24%)
- Requires good credit (700+) for best approval odds
Who Is This Card Best For?
This card is ideal for the following types of cardholders:
People who prefer simple cash back over points systems
Families with high monthly grocery spending
Those who want strong rewards without paying an annual fee
Card Overview
Choose your own 3% cash back category and earn even more with Preferred Rewards.
Rewards at a Glance
choiceCategory3x
groceries2x
wholesale2x
Everything else1x
Key Highlights
- 3% cash back in your choice of category
- 2% at grocery stores and wholesale clubs
- Up to 75% rewards bonus with Preferred Rewards
- No annual fee
- $200 online cash rewards bonus
Like what you see?
Apply for the Bank of America® Customized Cash Rewards Credit Card directly on Bank of America's secure website.
Secure5-minute applicationInstant decision
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Ready to Apply?
Welcome Bonus
200 cash
Spend $1,000 in 3 months
Estimated value: ~$200
Secure application on Bank of America's site
378 people applied this week
Key Benefits
- 3% cash back in your choice of category
- 2% at grocery stores and wholesale clubs
- Up to 75% rewards bonus with Preferred Rewards
- No annual fee
- $200 online cash rewards bonus
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Updated 2026-02-10
All rates, fees, and bonus offers are subject to credit approval and may change without notice. Please verify current offers on issuer websites.