Bank of America® Customized Cash Rewards Credit Card
A no-fee card where you choose a 3% category (6% in the first year) and earn 2% at groceries and wholesale clubs. Annual fee: $0. Welcome offer: $200 after $1,000 in the first 90 days.
Welcome offer
| Offer | $200 |
|---|---|
| Spend requirement | $1,000 |
| Time window | first 90 days |
| Expiration | No end date stated |
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Chosen category | 3% | 6% in the first year; combined cap $2,500 per quarter with groceries. |
| Grocery stores and wholesale clubs | 2% | |
| Everything else | 1% |
Assumes you pick gas as the 3% category; $2,500 a quarter cap on 3% and 2%.
Benefits and credits
This card has no statement credits or major extra benefits that we could verify.
Restrictions
No special restrictions beyond the issuer's standard approval and bonus-eligibility rules.
Strategies
Best categories: 3% at chosen category; 2% at grocery stores and wholesale clubs.
Compare with: Chase Freedom Unlimited®, Chase Freedom Flex®, Citi Double Cash® Card, Blue Cash Preferred® Card from American Express. Or try the Best Card Finder with your own spending.
Sources and freshness
Third-party figures (NerdWallet).
Last updated: . Verification status: checked against the sources above.