Bank of America Customized Cash Rewards Credit Card

Bank of America · Personal card · Checked against Bank of America's terms Oct 28, 2026

The Bank of America Customized Cash Rewards earns 3% cash back on one category you pick; 2% cash back at supermarkets and warehouse clubs; and 1% cash back on everything else. No annual fee.

Add it to your wallet

Where it's the best card

The Home Depot (3%) · Lowe's (3%) · home improvement (3%)

Where it's in the top 3

IKEA (3%) · Sam's Club Gas (3%) · gas at grocery stores (3%) · gas at superstores and warehouse clubs (3%) · furniture stores (3%) · Tesla Supercharger (3%) · Electrify America (3%) · ChargePoint (3%) · Uber (3%) · CVS Pharmacy (3%) · Walgreens (3%) · Hertz (3%)

Earning rates

5.25
One category you pick 5.25% cash back
3% plus the 75% BofA Rewards Premier bonus.
- With bofa rewards premier
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“will actually earn $3.30, $3.75, $4.50 or $5.25 based on your tier” bankofamerica.com
4.5
One category you pick 4.5% cash back
3% plus the 50% BofA Rewards Preferred Honors bonus.
- With bofa rewards preferred honors
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“will actually earn $3.30, $3.75, $4.50 or $5.25 based on your tier” bankofamerica.com
3.75
One category you pick 3.75% cash back
3% plus the 25% BofA Rewards Preferred Plus bonus.
- With bofa rewards preferred plus
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“will actually earn $3.30, $3.75, $4.50 or $5.25 based on your tier” bankofamerica.com
3.5
Supermarkets and warehouse clubs 3.5% cash back
2% plus the 75% BofA Rewards Premier bonus.
- With bofa rewards premier
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“or 75% for the Premier tier” bankofamerica.com
3.3
One category you pick 3.3% cash back
3% plus the 10% BofA Rewards Member bonus.
- With bofa rewards member
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“a $100 purchase that earns 3% ($3.00) will actually earn $3.30” bankofamerica.com
3
One category you pick 3% cash back
Gas and EV charging, online shopping, dining, travel, drug stores, or home improvement and furnishings, whichever you picked. Travel includes parking, transit, rideshare and tolls. Online shopping is any purchase paid on a website or app, as reported by the merchant; ordered online but paid in store, in-store mobile wallet and phone or mail orders don't count, and doctors, government, insurance, membership organizations, schools, some utilities and other non-retail services are excluded. The first $2,500 a calendar quarter across the 3% and 2% categories, then 1%.
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“3% cash back in the category of your choice” bankofamerica.com
3
Supermarkets and warehouse clubs 3% cash back
2% plus the 50% BofA Rewards Preferred Honors bonus.
- With bofa rewards preferred honors
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“50% for the Preferred Honors tier” bankofamerica.com
2.5
Supermarkets and warehouse clubs 2.5% cash back
2% plus the 25% BofA Rewards Preferred Plus bonus.
- With bofa rewards preferred plus
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“25% for the Preferred Plus tier” bankofamerica.com
2.2
Supermarkets and warehouse clubs 2.2% cash back
2% plus the 10% BofA Rewards Member bonus.
- With bofa rewards member
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“bonus of 10% for the Member tier” bankofamerica.com
2
Supermarkets and warehouse clubs 2% cash back
Grocery stores, supermarkets, wholesale clubs, and meat and seafood, candy, dairy and bakery stores. Superstores and smaller stores that also sell groceries, like drug stores, are excluded. Shares the $2,500 quarterly cap with the 3% category.
- Up to $2,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“Automatic 2% cash back at grocery stores and wholesale clubs” bankofamerica.com
1.75
Every purchase 1.75% cash back
1% plus the 75% BofA Rewards Premier bonus.
- With bofa rewards premier
“or 75% for the Premier tier” bankofamerica.com
1.5
Every purchase 1.5% cash back
1% plus the 50% BofA Rewards Preferred Honors bonus.
- With bofa rewards preferred honors
“50% for the Preferred Honors tier” bankofamerica.com
1.25
Every purchase 1.25% cash back
1% plus the 25% BofA Rewards Preferred Plus bonus.
- With bofa rewards preferred plus
“25% for the Preferred Plus tier” bankofamerica.com
1.1
Every purchase 1.1% cash back
1% plus the 10% BofA Rewards Member bonus.
- With bofa rewards member
“applied after all base and bonus cash rewards have been calculated on a purchase” bankofamerica.com
1
Everything else 1% cash back
“Unlimited 1% cash back on all other purchases” bankofamerica.com

Categories you choose

Pick 1 of: gas ev charging, online shopping, dining, travel, drug stores and home improvement furnishings (until you change it). If you don't pick, it's gas ev charging.

Public welcome offer

$200 after $1,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Online offer; the window is 90 days from account opening, modeled as 3 months. The offer may not be available elsewhere after leaving the page.

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Bank of America's terms before you apply.