Bank of America® Customized Cash Rewards 2026 Review

Annual fee
$0
Rewards rate
6%-2%
Welcome Bonus
$200
Apply Now →on Bank of America's website
Regular APR:17.49%-27.49% Variable APR

  • 6%Cash back in the category of your choice for the first year
  • 3%Cash back on a category of your choice
  • 2%Cash back on grocery store and wholesale club spending

Welcome Bonus:

Offers a $200 online cash rewards bonus after you spend at least $1,000 in purchases in the first 90 days.

Reward Rate:

Earn 6% cash back in the category of your choice for the first year, 3% on a category of your choice, and 2% on grocery store and wholesale club spending.

APR:

17.49%-27.49% Variable APR

The Bank of America® Customized Cash Rewards card is designed for flexibility, allowing cardholders to choose their highest cash back category, making it a versatile option for those who want to maximize their rewards.

Pros:

  • No annual fee
  • High cash back in chosen categories

Cons:

  • Limited to first year for 6% cash back
  • Requires category selection
Apply now →

The Bank of America® Customized Cash Rewards card is well-suited for individuals who prefer to tailor their rewards to match their spending habits, particularly those who can benefit from the 6% cash back in a chosen category. With no annual fee and a competitive welcome bonus, this card may appeal to both casual spenders and more strategic users looking to optimize their cash back earnings.

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