Bank of America Customized Cash Rewards credit card
The Customized Cash Rewards is Bank of America's flexible everyday cash back card, and its hook is choice: you pick the category that earns 3%, from gas, online shopping, dining, travel, drug stores, or home improvement, and can change it once a month. It adds 2% at grocery stores and wholesale clubs, with the 3% and 2% rates applying to the first $2,500 in combined purchases each quarter before dropping to 1%. There is no annual fee, and Bank of America customers who join the BofA Rewards program earn a bonus on every credit card purchase, which is where this card goes from good to genuinely competitive.
Direct link to the issuer. We don't currently have an affiliate relationship for this card.
- Annual feeFree
- Welcome offer$200after $1,000 in 3 months
- Recommended credit720-790Median 730. See why →
Earning rates
on Cashback- 3xChoice CategoryChoice category; $2.5k/qtr combinedCap $2,500
- 2xGroceryGrocery + clubs; $2.5k/qtr combinedCap $2,500
- 1xEverything else
Benefits and credits
Purchase and protection benefits
- $0 Liability Guarantee
financing
- 0% Intro APR for 15 Billing Cycles
rewards
- 3% First-Year Choice-Category Bonus
- BofA Rewards Bonus
Pricing and fees
Full Pricing and Terms- Purchase APR
- 17.49% to 27.49%
- Foreign tx
- 3.00%
- Penalty APR (cap)
- 29.99%
- Balance transfer
- 17.49% to 27.49%
- Fee 3.00%
- Cash advance
- 29.24%
- Fee 5.00%
- Late / returned
- $41 · Not disclosed
Eligibility and application
- Card typeUnsecured personal card
- Pre-qualificationSoft-pull pre-qualification available
- Application inquiryHard credit inquiry on submission
- Approval bureauNot disclosed by issuer
- Authorized user feeNot disclosed
- Reports AU to bureausConditionalReports authorized-user activity to all three bureaus, but only once the AU is 18 or older (age floor, per BofA cardholder agreement). Treated as conditional, matching the chase no-minors precedent.Issuer policy
How the recommended credit score is derived
Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.
- Community Q&A on the Bank of America Cash Rewards credit requirement (excellent credit, 750+ reported)
- Community card reviews and reported approval data for the BofA Customized Cash Rewards
- Community Q&A on Bank of America Cash Rewards online pre-approval
- Editorial guidance on the credit score required for the BofA Customized Cash Rewards (good to excellent, 670+)
-
Capital One Savor Cash Rewards Credit CardCapital OneThe Savor is Capital One's no-fee dining and entertainment card, and it earns its keep at the table and the box office: 3% cash back on dining, groceries, entertainment, and streaming, 8% on tickets bought through Capital One Entertainment, and 5% on hotels and rental cars booked through Capital One Travel.
$0 annual fee -
Wells Fargo Active Cash CardWells Fargo · VisaThe Active Cash is Wells Fargo's flagship flat-rate card, and the pitch is a single number: unlimited 2% cash rewards on every purchase with no categories to track and no annual fee.
$0 annual fee -
Blue Cash Everyday Card from American ExpressAmexBlue Cash Everyday is the no-annual-fee sibling in the Blue Cash line, earning 3% back on the same supermarket, online retail, and gas categories that the Preferred earns 6% on, though here the cap is a more modest $6,000 per category per year.
$0 annual fee
Sources
Affiliate disclosure
ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.
Not financial advice
ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.