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Bank of America · credit
Last updated
Typically needs good credit (guideline, not a guarantee)
Welcome offer — Offer varies — typically $200 after $1,000 spend in 90 days Estimated by source
Apply on Bank of America's siteOfficial issuer page (not an affiliate link yet) · how we earn
Personalize this for you → add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | Your choice of 3% category (gas, online shopping, dining, travel, drugstores or home improvement) — Combined with grocery/wholesale up to $2,500/quarter, then 1% Inferred by source |
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| 2× | Grocery stores & wholesale clubs — Combined with the 3% category up to $2,500/quarter, then 1% Inferred by source |
| 1× | Everything else Inferred by source |
No lounge access.
| Preferred Rewards boost | Up to 25–75% more cash back with Bank of America Preferred Rewards tiers Inferred by source |
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*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Bank of America® Customized Cash Rewards Credit Card has no annual fee.
The Bank of America® Customized Cash Rewards Credit Card earns Redeem for statement credit, deposit to a BofA/Merrill account, or gift cards.
No — the Bank of America® Customized Cash Rewards Credit Card does not include airport lounge access.
Yes — the Bank of America® Customized Cash Rewards Credit Card charges a 3% foreign transaction fee.
Offer varies — typically $200 after $1,000 spend in 90 days. Welcome offers change frequently — confirm the current one on the issuer's page before applying.