Bank of America Customized Cash Rewards
Choose your 3% category and earn 2% at grocery stores and wholesale clubs, with bigger rewards for Preferred Rewards members.
Why it ranks
- No annual fee
- Flexible 3% category
- Loyalty boosts
What holds it back
- Combined quarterly cap
- Foreign fee
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Choose your 3% category and earn 2% at grocery stores and wholesale clubs, with bigger rewards for Preferred Rewards members.
Bank of America Customized Cash Rewards at a glance
| Issuer | Bank of America |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Online cash rewards bonus |
| Rewards rate | 3% in a chosen category, 2% groceries & wholesale clubs (up to $2,500/quarter combined), 1% other |
| Intro APR | 0% intro APR for 15 billing cycles |
| Regular APR | 18.24%–28.24% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good (690+) |
| Best for | Bank of America customers who can earn Preferred Rewards boosts |
| Airport lounge access | No |
Rewards & benefits
- Pick your 3% category
- Up to 75% rewards bonus with Preferred Rewards
- 0% intro APR
Eligibility & who it suits
- Good credit score
How to apply
Check current rates on Bank of America’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | ABank of AmericaCustomized Cash RewardsNo annual fee · US Bank of America Customized Cash RewardsBank of America customers who can earn Preferred Rewards boosts |
None | 3% in a chosen category, 2% groceries & wholesale clubs (up to $2,500/quarter co… | Online cash rewards bonus | 3% | Good (690+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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