Bank of America® Customized Cash Rewards credit card
Card image for the Bank of America® Customized Cash Rewards credit card card

A good fit for people who want more control over which everyday spending category earns their highest cash-back rate.

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  • You can earn 6% cash back for the first year in the category of your choice
  • There are six categories to choose from: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings; you can change your selection once each calendar month
  • Grocery store and wholesale club purchases earn 2% cash back, which makes the card useful beyond your selected category
  • But, the main limitation is the shared cap: the higher rates apply to the first $2,500 in combined choice-category, grocery store and wholesale club purchases each quarter; those purchases earn 1% after you reach the cap
  • All other purchases earn 1% cash back, so we’d generally use another card for spending outside the bonus categories
Sebby’s Take: This card comes with the standard $200 welcome bonus (after you meet the qualifying spend requirements), and it works best if you qualify for a higher BofA Rewards tier and can stay under the shared quarterly cap. Without that relationship bonus, an uncapped cash-back card may be easier and just as rewarding.
Sebby’s Take: This card comes with the standard $200 welcome bonus (after you meet the qualifying spend requirements), and it works best if you qualify for a higher BofA Rewards tier and can stay under the shared quarterly cap. Without that relationship bonus, an uncapped cash-back card may be easier and just as rewarding.