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No FeeCashbackNo-feeGroceries
Bank of America Customized Cash Rewards
Bank of America
4.3/5TheFireWallet Rating
The BofA Customized Cash Rewards lets you pick your top 3% category, making it the most flexible no-fee cash back card. Pair it with a Bank of America checking account and Preferred Rewards to boost earnings up to 5.25%.
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Key Details
Annual Fee
$0
APR
17.49% - 27.49%
Credit Score
Good
Rewards
6% in a category of your choice first year (3% + 3% first-year bonus)
Signup Bonus
$200 online cash rewards bonus after spending $1,000 in 90 days
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Pros & Cons
Pros
- +Choose your own 3% category from six options
- +2% at grocery stores and wholesale clubs
- +Preferred Rewards members can boost cash back up to 75%
Cons
- -$2,500 quarterly cap on 3% and 2% categories combined
- -Best value requires Bank of America banking relationship
- -Only 1% on non-category purchases
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Compare
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Apply
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