{"id":90642,"date":"2024-09-28T18:00:43","date_gmt":"2024-09-28T18:00:43","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=90642"},"modified":"2026-04-27T19:01:06","modified_gmt":"2026-04-27T19:01:06","slug":"bank-of-america-customized-cash-rewards","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/","title":{"rendered":"Bank of America\u00ae Customized Cash Rewards Credit Card Review: Bonus Cash Back, No Annual Feebonus"},"content":{"rendered":"<p>The <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> is a solid option for individuals looking for a cash-back credit card with decent earning rates. That's especially true if the bonus earning categories match your spending patterns.<\/p>\n<p>Bank of America Customized Cash Card has no annual fee with the ability to boost your earnings, based on your account balances with Bank of America. However, beyond the earning rates and an introductory cash-back offer, the card doesn't offer too much else in terms of benefits.<\/p>\n<p>Is this card the right pick for you? Let's take a detailed look at its features to find out.<\/p>\n<p><div class=\"qs-card\" data-id=\"3002004\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937160.png\" width=\"150\" alt=\"Bank of America\u00ae Customized Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card is a $0 annual fee card that offers a tiered cash back rewards system. Cardholders can earn 6% cash back for the first year in a category of their choice, including options like gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy or home improvement\/furnishing purchases (then 3%). Additionally, the card offers 2% cash back at grocery stores and wholesale clubs. However, the 6% and 2% cash back rates apply only to the first $2,500 in combined purchases each quarter, after which the rate drops to 1% (after the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum).<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy purchase, or home improvement\/furnishing purchases, then 3% after the first year of card membership*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* You'll earn 6% and 2% cash back on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOACashRewards\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Bank_of_America_Customized_Cash_Card_Pros\">Bank of America Customized Cash Card Pros<\/a><\/li><li><a href=\"#Bank_of_America_Customized_Cash_Card_Cons\">Bank of America Customized Cash Card Cons<\/a><\/li><li><a href=\"#Bank_of_America_Customized_Cash_Card_Welcome_Offer\">Bank of America Customized Cash Card Welcome Offer<\/a><\/li><li><a href=\"#Bank_of_America_Customized_Cash_CardBenefits\">Bank of America Customized Cash Card\u00a0Benefits<\/a><ul><li><a href=\"#Introductory_APR_offer\">Introductory APR offer<\/a><\/li><li><a href=\"#0_annual_fee\">$0 annual fee<\/a><\/li><\/ul><\/li><li><a href=\"#Bank_of_America_Customized_Cash_Card_Earning_Rates\">Bank of America Customized Cash Card Earning Rates<\/a><ul><li><a href=\"#Boost_your_earnings_through_Bank_of_America_Preferred_Rewards\">Boost your earnings through Bank of America Preferred Rewards<\/a><\/li><\/ul><\/li><li><a href=\"#Redeeming_Cash_Back_With_the_Bank_of_America_Customized_Cash_Card\">Redeeming Cash Back With the Bank of America Customized Cash Card<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Bank_of_America_Customized_Cash_Card\">Cards That Compete With the Bank of America Customized Cash Card<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Bank_of_America_Customized_Cash_Card_Pros\">Bank of America Customized Cash Card Pros<\/span><\/h2>\n<ul>\n<li>$0 annual fee.<\/li>\n<li>Choose a bonus-earning category that aligns with your spending.<\/li>\n<li>Offers an introductory APR that can help you finance large purchases.<\/li>\n<li>Has a sign-up bonus.<\/li>\n<\/ul>\n<h2><span id=\"Bank_of_America_Customized_Cash_Card_Cons\">Bank of America Customized Cash Card Cons<\/span><\/h2>\n<ul>\n<li>Increased cash back categories have a combined limit; Only the first $2,500 spent each quarter will earn cashback at the bonus rate.<\/li>\n<li>Bonus categories won't align with all spending and don't change automatically to match your purchases.<\/li>\n<\/ul>\n<h2><span id=\"Bank_of_America_Customized_Cash_Card_Welcome_Offer\">Bank of America Customized Cash Card Welcome Offer<\/span><\/h2>\n<p class=\"small-9 medium-12\" data-font=\"cnx-light\">New applicants for the <a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening, plus earn 6% cash back for the first year in the category of your choice.<\/p>\n<p class=\"small-9 medium-12\" data-font=\"cnx-light\">New applicants also can also take advantage of a 0% Intro APR offer \u2014 detailed below.<\/p>\n<figure id=\"attachment_138892\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-138892 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured.jpeg\" alt=\"2 people looking at smart phone to read credit card information\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Bank of America<\/em><\/enter><\/figure>\n<p data-font=\"cnx-light\"><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/best-cash-back-credit-card-offers\/\" rel=\"noopener\">The Best Cash Back Credit Card Offers for Every Budget<\/a><\/strong><\/p>\n<h2><span id=\"Bank_of_America_Customized_Cash_CardBenefits\">Bank of America Customized Cash Card<strong>\u00a0<\/strong>Benefits<\/span><\/h2>\n<p>Aside from the solid cash-back earning categories, the card comes with other benefits that cardholders may find useful.<\/p>\n<h3><span id=\"Introductory_APR_offer\">Introductory APR offer<\/span><\/h3>\n<p>Credit card interest can make a single purchase much more expensive if you cannot pay it off in full. However, with the <a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a>, you will have an 0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro period, a variable rate of 18.24% - 28.24% applies. You'll pay balance transfer fees of 3% for 60 days from account opening, then 4% to take advantage of the intro APR offer.<\/p>\n<p>This card perk is great for making a big purchase and breaking up the payments over time. Remember, however, that you will pay interest if you don't finish paying off your purchases by the end of the introductory period.<\/p>\n<h3><span id=\"0_annual_fee\">$0 annual fee<\/span><\/h3>\n<p>Perhaps the best perk of the Bank of America Customized Cash Card is that you don't have to pay an annual fee to carry it. Therefore, you can earn cash back without having an annual fee cut into your rewards.<\/p>\n<figure id=\"attachment_148551\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-148551 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Clay-Banks-Unsplash-woman-paying-with-mobile-wallet-featured.png\" alt=\"a woman pays by mobile wallet at a small store\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Clay-Banks-Unsplash-woman-paying-with-mobile-wallet-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Clay-Banks-Unsplash-woman-paying-with-mobile-wallet-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Clay-Banks-Unsplash-woman-paying-with-mobile-wallet-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Clay-Banks-Unsplash-woman-paying-with-mobile-wallet-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Clay Banks\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Bank_of_America_Customized_Cash_Card_Earning_Rates\">Bank of America Customized Cash Card Earning Rates<\/span><\/h2>\n<p>The spending categories for the <a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> are unique, because you can customize them to your spending habits. You will earn rewards as follows:<\/p>\n<p><ul>\r\n<li>6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy purchase, or home improvement\/furnishing purchases, then 3% after the first year of card membership*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* You'll earn 6% and 2% cash back on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\r\n<\/ul><\/p>\n<p>You can <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/cash-rewards-categories\/\" rel=\"noopener\">change your 6%\/3% category<\/a> once per month, and you can easily do this in the Bank of America app or on the website. This could be particularly helpful if you have significant purchases coming up, such as travel or spending money to improve your home. Until you choose a category for the first time, the default setting is gas and EV charging stations.<\/p>\n<p>Full details on which merchants qualify for each category can be found on Bank of America's website (which we are forbidden to link to, so check the <a target=\"_blank\" href=\"https:\/\/www.google.com\/search?q=Bank+of+America%C2%AE+Customized+Cash+Rewards+Credit+Card+Cash+Back+Categories+%26+Exclusions&rlz=1C1RXQR_enUS1022US1022&oq=Bank+of+America%C2%AE+Customized+Cash+Rewards+Credit+Card+Cash+Back+Categories+%26+Exclusions&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBBjg5ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8\" rel=\"noopener\">Google search results found here<\/a>).<\/p>\n<h3><span id=\"Boost_your_earnings_through_Bank_of_America_Preferred_Rewards\"><strong>Boost your earnings through Bank of America Preferred Rewards<\/strong><\/span><\/h3>\n<p>If you have banking and investing assets that you could move to Bank of America, these accounts can increase your earning rates on the <a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a>, thanks to the <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" rel=\"noopener\">Bank of America Preferred Rewards program<\/a>.<\/p>\n<p>The program is divided into multiple categories, based on a three-month combined average daily balance between Bank of America and Merrill accounts. The tiers are as follows, including the bonus earnings applied to your credit card earning rates:<\/p>\n<ul>\n<li><strong>Gold tier ($20,000 to $50,000):<\/strong> 25% bonus<\/li>\n<li><strong>Platinum tier ($50,000 to $100,000):<\/strong> 50% bonus<\/li>\n<li><strong>Platinum Honors tier ($100,000 to $1 million) and higher tiers:<\/strong> 75% bonus<\/li>\n<\/ul>\n<figure id=\"attachment_181195\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/263\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-181195 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-22-153146.png\" alt=\"Screenshot from BOA showing levels of the Preferred Rewards Program\" width=\"750\" height=\"263\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-22-153146.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-22-153146-300x105.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Bank of America<\/em><\/enter><\/figure>\n<p>If you fall into one of the above categories, you can earn even more cash back when you use the Bank of America Customized Cash Card. If you have at least $100,000 in combined assets, you'll earn a 75% bonus. That means, after the first year, you can <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/maximize-bank-of-america-cash-back\/\" rel=\"noopener\">earn up to 5.25% cash back in the category of your choice<\/a>!<\/p>\n<p>The Preferred Rewards program also applies to other cards in the Bank of America portfolio, like the <a data-ccid=\"3002003\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/travel-rewards-card\/\">Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card<\/a>, giving you plenty of options when considering a new card.<\/p>\n<h2><span id=\"Redeeming_Cash_Back_With_the_Bank_of_America_Customized_Cash_Card\"><strong>Redeeming Cash Back With the Bank of America Customized Cash Card<\/strong><\/span><\/h2>\n<p>Since the <a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> is only a cash-back card, the card has limited redemption options for your rewards. However, there are several different ways you can collect your cash back earnings:<\/p>\n<ul>\n<li>Redeem as a statement credit at any time in any amount.<\/li>\n<li>Redeem for a deposit at any time, in any amount, to a Bank of America checking or savings account or to an eligible Merrill account.<\/li>\n<li>If you want a check in the mail or a contribution to a qualifying 529 account with Merrill, you must redeem your rewards for at least $25.<\/li>\n<li>You can also set up automatic redemptions into an eligible Bank of America or Merrill account, starting at $25.<\/li>\n<li>Finally, you could apply your earned cashback to eligible purchases when you shop at Amazon or check out with PayPal.<\/li>\n<\/ul>\n<p>If you don't need your cash-back rewards to help offset everyday expenses, you may consider investing that money in your Merrill account. This allows you to use your credit card rewards to invest for your future.<\/p>\n<figure id=\"attachment_138887\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-138887 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg\" alt=\"Hand inserts Bank of America credit card into a payment terminal\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Bank of America<\/em><\/enter><\/figure>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>There are specific application rules for this card, in addition to rules that apply to Bank of America credit cards in general. The terms for the <a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> state:<\/p>\n<blockquote><p><em>&#8220;This card may not be available to you if you currently have or have had the card in the preceding 24 month period.&#8221;<\/em><\/p><\/blockquote>\n<p>Therefore, if you have this card or earned a bonus on it in the past 24 months, you likely aren't eligible for the bonus at the moment. Moreover, <a target=\"_blank\" href=\"\/credit-cards\/bank-america-234-policy\/\" rel=\"noopener\">Bank of America has a 2\/3\/4 rule<\/a> which limits new applicants to the following:<\/p>\n<ul>\n<li><strong>Two<\/strong> new cards per two-month period.<\/li>\n<li><strong>Three<\/strong> new cards per rolling 12-month period.<\/li>\n<li><strong>Four<\/strong> new cards per rolling 24-month period.<\/li>\n<\/ul>\n<p>These numbers are specific to Bank of America's own credit cards. The issuer has another set of credit card application rules related to how many credit cards you've opened recently, which applies to cards from all banks that are visible on your credit report:<\/p>\n<ul>\n<li><strong>If you have accounts with Bank of America:<\/strong> Your application will be denied if you've opened seven new cards from any bank in the past 12 months.<\/li>\n<li><strong>If you don't have accounts with Bank of America:<\/strong> Your application will be denied if you've opened three new cards from any bank in the past 12 months.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Bank_of_America_Customized_Cash_Card\">Cards That Compete With the Bank of America Customized Cash Card<\/span><\/h2>\n<p>If the <a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> isn't your speed, there are plenty of other cards to consider, such as:<\/p>\n<ul>\n<li><strong>If you want a Bank of America card with higher earnings on everyday purchases,<\/strong> consider the <a data-ccid=\"4048258\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-unlimited-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/a>. Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you\u2019ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open. with a $0 annual fee. More details are in our <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/bank-of-america-unlimited-cash-rewards\/\" rel=\"noopener\">Bank of America Unlimited Cash Card review<\/a>.<\/li>\n<li><strong>If you want a card with a simple earning rate for all purchases,<\/strong> the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is one of our favorite options for cash back. You'll earn 2% cash back on all purchases, received as 1% when you buy plus 1% as you pay. That's on top of a $0 annual fee for the card year after year. Check out our <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">Citi Double Cash review<\/a> for more information.<\/li>\n<li><strong>If you want the ability to earn up to 5% cash back on bonus categories,<\/strong> the <a data-ccid=\"4048133\" href=\"https:\/\/awardwallet.com\/news\/cash-back\/us-bank-cash-plus-categories\/\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/a> offers 5% on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% on one everyday category (like gas or groceries), and 1% on all other eligible net purchases. You can <a target=\"_blank\" href=\"\/news\/cash-back\/us-bank-cash-plus-categories\/\" rel=\"noopener\">learn more about U.S. Bank Cash+ Visa 5% categories here<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-us-bank\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/6bd9a59e-9e8c-4b7b-8d6a-3382a4e43347.png\" width=\"150\" alt=\"Bank of America\u00ae Unlimited Cash Rewards credit card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\n$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048258\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-unlimited-cash-rewards\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent\/Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% cash back on purchases for the first year from account opening<\/li>\r\n<li>Earn unlimited 1.5% cash back on all purchases after year one<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7dc4432f-019f-4848-a2da-ed81b74156f9.png\" width=150 alt=\"U.S. Bank Cash+\u00ae Visa Signature\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\n$250 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048133\" href=\"https:\/\/awardwallet.com\/news\/cash-back\/us-bank-cash-plus-categories\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent\/Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose<\/li>\r\n<li>5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center<\/li>\r\n<li>2% cash back on one everyday category (like gas or groceries)<\/li>\r\n<li>1% cash back on all other eligible net purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">Best Credit Cards for Everyday Purchases<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>The <a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> is an excellent pick for someone wanting a cash-back card that can flexibly adjust to shifting spending habits. Significant earnings are possible with the bonus categories as long as you understand how they work and note their quarterly limits. If the thresholds and bonus categories work for you, this could be a great addition to your wallet. And if you have a qualifying account with Bank of America, the Preferred Rewards program could boost your rewards to the max.<\/p>\n<p><div class=\"qs-card\" data-id=\"3002004\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937160.png\" width=\"150\" alt=\"Bank of America\u00ae Customized Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card is a $0 annual fee card that offers a tiered cash back rewards system. Cardholders can earn 6% cash back for the first year in a category of their choice, including options like gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy or home improvement\/furnishing purchases (then 3%). Additionally, the card offers 2% cash back at grocery stores and wholesale clubs. However, the 6% and 2% cash back rates apply only to the first $2,500 in combined purchases each quarter, after which the rate drops to 1% (after the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum).<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy purchase, or home improvement\/furnishing purchases, then 3% after the first year of card membership*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* You'll earn 6% and 2% cash back on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOACashRewards\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Bank of America\u00ae Customized Cash Rewards credit card credit card is a good choice for individuals who want to earn cash back on their everyday purchases and have the ability to customize their earnings to their specific spending habits. Our detailed review covers the cards positives and negatives to help you make an informed choice about whether you should apply.<\/p>\n","protected":false},"author":62,"featured_media":138876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12789,12620],"coauthors":[36393,36466],"class_list":["post-90642","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-bank-of-america","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/90642","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/62"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=90642"}],"version-history":[{"count":65,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/90642\/revisions"}],"predecessor-version":[{"id":260269,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/90642\/revisions\/260269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/138876"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=90642"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=90642"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=90642"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=90642"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}