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New Exciting Offer: 6% Cash Back

by Wise Bread Staff - Last updated Jul 01, 2025

Curated by Wise Bread Team

The Bank of America® Customized Cash Rewards credit card is offering a fantastic new offer: Earn 6% cash back for the first year in the category of your choice. (After the first year from account opening, you’ll earn 3% on purchases in your choice category.)

This new 6% cash back offer — on top of the generous $200 online cash rewards bonus offer and flexible cash back options — makes it one of our all-time favorite cash back credit cards.

New Offer: Double your choice category cash back to 6% for a year!

Maximize your cash back by choosing how you earn rewards, now with a new 6% offer:

  • Earn 6% cash back for the first year in the category of your choice:
  • Gas
  • Online Shopping
  • Drug Stores
  • Dining
  • Travel
  • Home Improvement / Furnishings
Gas Drug Stores Dining
Travel Online Shopping Home Improvement / Furnishings

  • (After the first year, earn 3% cash back in your choice category.)

How do the Choice Categories work?

You choose the category you want to get 3% cash back for, and it stays on that category until you change it. With this new offer, cardholders will earn the regular 3% cash back, plus a 3% cash back bonus for the first year — that’s 6% for the first year!

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 for making memories with our friends and family.

And of course, earning a 3% cash back on gas is always nice!

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.

What else should I know about this card?

In addition to the high cash back, there are plenty of other reasons we’re excited about this card.

$200 online cash rewards bonus offer: There’s a $200 welcome bonus, if you spend $1,000 on the card in the first 90 days.

More ways to earn cash back: Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.

Save money on a big purchase: This card's long intro period will save you a bundle. It offers 0% Intro APR for 15 billing cycles on purchases (18.24% - 28.24% variable APR after intro period).

Earn 25%-75% more rewards with Preferred Rewards: With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.

Who should get this card?

Bank of America Customized Cash Rewards is a great fit for most people — who doesn’t love earning 6% cash back on our biggest expenses, an extra $200 in their pocket, low introductory interest for over a year, and no annual fee?

This new 6% cash back offer, along with all its other benefits, is too good of a combination to pass up. Click here to learn more about this card today.

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