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Bank of America
Bank of America Customized Cash Rewards
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VisaBank of America
Bank of America Customized Cash Rewards
4.3
(1,678 reviews)cashback
Last verified March 2026
A customizable cash back card where you pick the category that earns 3%.
Annual Fee
No annual fee
Purchase APR
16.49% – 26.49%
Rewards
1% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Rewards Breakdown
3% in your chosen category, 2% groceries & wholesale, 1% everything else
| Category | Rate |
|---|---|
| Your Choice (gas, online, dining, travel, etc.) | 3% |
| Groceries & Wholesale | 2% |
| Everything else | 1% |
Sign-Up Bonus
$200 after spending $1,000 in 3 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 16.49% – 26.49% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
Choose your own 3% category
No annual fee
Intro APR offer
Preferred Rewards boosts rates up to 5.25%
3% foreign transaction fee
3% category cap ($2,500/quarter)
Only 1% base rate
Customer Reviews
4.5
1,678 reviews
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Charles F.VerifiedOct 28, 2025
Love the flexibility
Being able to choose your 3% category each month is great. I switch between gas and online shopping depending on my spending.
MD
Michelle D.VerifiedSep 15, 2025
Even better with Preferred Rewards
If you have $100K+ with BofA/Merrill, the rates jump to 5.25%/3.5%/1.75%. That makes it one of the best cash back cards available.