Bank of AmericaBest for Choose your 3% category
Bank of America® Customized Cash Rewards
Annual Fee
$0
Rewards Rate
1%-3%
Intro Offer
$200
Regular APR
19.24%-29.24% Variable
Bank of America® Customized Cash Rewards
Bank of America® Customized Cash Rewards
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Our take
Pick your own 3% category from gas, online shopping, dining, travel, drugstores, or home improvement. 2% on groceries and wholesale clubs. Preferred Rewards members can boost rates up to 75%.
Highlights
What we like
3% on your choice category (gas, dining, online, etc.)
2% at grocery stores and wholesale clubs
No annual fee
Boostable with Preferred Rewards (up to 75%)
The trade-off
3% foreign transaction fee
3% choice category caps at $2,500/quarter
Must actively choose your category
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1%-3% |
| Rewards type | Cash back |
| Bonus categories | 3% on choice category (gas, online, dining, etc.)2% on grocery/wholesale clubs |
| Welcome offer | $200 |
| Offer requirements | after $1,000 spend in first 90 days |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 15 billing cycles |
| Ongoing APR | 19.24%-29.24% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
after $1,000 spend in first 90 days
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Bank of America® Customized Cash Rewards