Bank of America® Customized Cash Rewards credit card 2026 Review

Annual fee
$0
Rewards rate
6%-1.5%
Welcome Bonus
$200
Apply Now →on Bank of America's website
Regular APR:17.49%-27.49% Variable APR

  • 6%Cash back in the category of your choice for the first year
  • 2%Cash back at grocery stores and wholesale clubs
  • 1.5%Cash back on all other purchases

Welcome Bonus:

Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days.

Reward Rate:

Earn 6% cash back in the category of your choice for the first year, plus 2% at grocery stores and wholesale clubs.

APR:

17.49%-27.49% Variable APR

This card shines for its customizable cash back options, allowing cardholders to earn 6% in a category of their choice, making it a versatile option for those who want to maximize their rewards.

Pros:

  • High cash back in chosen category
  • No annual fee

Cons:

  • Requires spending to earn bonus
  • Limited to first year for highest rewards
Apply now →

The Bank of America® Customized Cash Rewards credit card is well-suited for individuals who prefer flexibility in their rewards structure and want to earn higher cash back in categories that align with their spending habits. With no annual fee and a generous welcome bonus, it caters to casual spenders looking to enhance their rewards experience without incurring additional costs.

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