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This Customizable Credit Card Puts You in Charge

by Wise Bread Staff - Last updated Jan 03, 2023

Curated by Wise Bread Team

The Bank of America® Customized Cash Rewards credit card is a terrific deal. The generous $200 online cash rewards bonus and flexible cash back options make it one of our all-time favorite cash back credit cards.

Earning the $200 online cash rewards bonus is fairly easy – simply make at least $1,000 in purchases in the first 90 days of opening the account.


3% cash back on gas can save you hundreds!

Tired of paying too much for gas?

Pro tip:Consider the Bank of America® Customized Cash Rewards card — which offers 3% cash back on gas.

Bonus:This card also offers generous rewards for grocery and warehouse store purchases.

Looking to make a big purchase? This card's long intro period will save you a bundle. It offers 0% Intro APR for 18 billing cycles on purchases (18.24% - 28.24% variable APR after intro period).

This card also offers a generous 3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases.

You can choose from one of the following 6 categories:

  • Gas
  • Online Shopping
  • Drug Stores
  • Dining
  • Travel
  • Home Improvement / Furnishings
Gas Drug Stores Dining
Travel Online Shopping Home Improvement / Furnishings

You choose the category you want to get 3% cash back for, and it stays on that category until you change it. Unlike other high cash back cards, there is no monthly activation required, and the categories don’t rotate. You can change the category once per calendar month.

The 3% for online shopping is a crowd favorite, as most of us are buying more things over the internet.

On the other hand, the 3% cash back for dining and travel are also gaining popularity, as more of us start planning trips to visit our friends and families.

Of course with gas prices so high, many families will consider selecting the gas category to save more at the pump.

See how flexible this card is? This card is ready to take on whatever you want to tackle. That’s why it is one of our favorites.

Earn 3.75 - 5.25% With Preferred Rewards

Bank of America’s Preferred Rewards clients earn an extra 25% - 75% bonus rewards. That means you could earn 3.75 - 5.25% with Preferred Rewards.

Who Should Get This Card

Bank of America Customized Cash Rewards is a great fit for most people — who doesn’t love an extra $200 in their pocket, low introductory interest for over a year, and no annual fee?

The high 3% cash back on gas, online shopping, drug stores, dining, travel, or home improvement/furnishings is unusually generous for a no annual fee credit card.

This combination of features is too good to pass up. Click here to learn more about this card today.

Editor's Pick
Apply Now
at Bank of America's secure site
Editor's Pick
Apply Now
at Bank of America's secure site