Get More Cash Back for the Essentials:Bank of America® Customized Cash Rewards Credit Card

By Kris Majaski. Last updated 22 August 2023. 0 comments

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The Bank of America® Customized Cash Rewards credit card offers some of the highest cash back on gas, groceries, and wholesale club shopping.

Why We Like This Card

  • $200 online cash rewards bonus offer (after $1,000 spend in first 90 days).
  • 3% cash back in the category of your choice - now with expanded categories: gas (now including Electric Vehicle Charging (EVC) Stations) and online shopping (now including cable, streaming, internet and phone services), dining, travel, drug stores, or home improvement/furnishings and 2% at grocery stores and wholesale clubs (up to first $2,500 in combined grocery/wholesale club/choice category purchases each quarter), plus 1% unlimited cash back on other purchases.
  • No annual fee.

How This Card Works

Cash Back: Earn 3% cash rewards in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings and 2% cash rewards at grocery stores and wholesale clubs, up to the first $2,500 in combined grocery store and wholesale club/choice purchases each quarter. Earn 1% cash rewards for all other purchases, and for grocery, wholesale club, and gas purchases made after the first $2,500 per quarter. You can earn an unlimited amount of cash back at the 1% level, and your cash rewards do not expire.

Bonus: Get $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days.

Other Benefits

Free Museum Admission: Every first full weekend of the month, your Bank of America credit or debit card gets you free admission to 200+ museums across the country.


Bonus worth $200. A bonus worth $200 is generous, considering this is a credit card with no annual fee and the spending requirement for the bonus is reasonable.

Introductory APR. If you plan on making a large purchase or need to transfer a balance from a credit card with a higher APR, you can save money in interest if you pay down the balance within the introductory period.

Flexible rewards. 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.

Who This Card Is Best For

This is our favorite card for everyday purchases, grocery store, and wholesale club purchases, and is a no brainer for families.

Average: 3.5 (36 votes)
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