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  • Advertiser Disclosure: The credit card offers that appear on AwardWallet are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on AwardWallet (including, for example, the order in which they appear). AwardWallet does not include all credit card companies or all available credit card offers.

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AwardWallet receives compensation from advertising partners for links on the blog. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 10/01/2026

Offers for Bank of America cards mentioned in this post have been updated as of 10/01/2026

Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
Welcome Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Bank of America® Customized Cash Rewards credit card
Welcome Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Annual Fee:$0
Show moreWhy We Like ItEarning Rates
The Bank of America® 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).
  • 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*
  • 2% cash back at grocery stores and wholesale clubs*
  • 1% cash back on all other purchases
  • * 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.
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