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New! First-year double cash back offer: Earn 6% cash back in the category of your choice, like online shopping

The Bank of America® Customized Cash Rewards credit card helps you make the most of your purchases. Whether you're dining out, filling the gas tank or buying online tickets, you'll earn cash back.

Terms & Conditions

$200 Online Cash Rewards Bonus Offer

Bank of America, US Soccer, FIFA and Visa logos. Official Bank partner of FIFA World Cup 2026TM.

Maximize your cash back by choosing how you earn rewards, now with a new 6% choice category cash back offer. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category.

Check out all the benefits of being a cardholder.

6% double cash back for a year

in the category of your choice: gas & EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores & pharmacies; or home improvement & furnishings

2% cash back

automatically at grocery stores and wholesale clubs

1% cash back

unlimited on all other purchases

Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.

Calculate your earnings

Choose your category

Manage your rewards easily by changing your choice category up to once each calendar month, or make no change and it will stay the same. Your rewards won't expire as long as your account remains open, and there's no annual fee.^†

STEP ONE

You must log in to your Bank of America account either on a web browser or the Bank of America Mobile Banking app.

STEP TWO

Select the Rewards tab from your Bank of America® Customized Cash Rewards card detail page.

STEP THREE

Choose "Get Started" and then "Change Category" to select from the available options.

Get a 25%to75% rewards bonus with the Bank of America Preferred Rewards® program

Depending on your Preferred Rewards tier, your 3% choice category could increase to 3.75%to5.25% cash back, and the 2% cash back at grocery stores and wholesale clubs could increase to 2.5%to3.5% cash back, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Your unlimited 1% cash back could increase to 1.25%to1.75% cash back on all other purchases. Preferred Rewards bonuses are not applied to the 3% first-year bonus.

Not sure if the Customized Cash Rewards credit card is right for you? Check out our other card options.

Don’t have the Bank of America Mobile app?

Enjoy secure and convenient Mobile Banking from just about anywhere.

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Terms and Conditions

Download the app

Need help deciding? Call 888-368-5746.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

1

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

For information about rates, fees, other costs and benefits associated with the use of this card or to apply, click on 'Apply now' and refer to the disclosures accompanying the online credit card application.

Mobile Banking. Mobile Banking requires that you download the Mobile Banking app and may not be available for select mobile devices. Message and data rates may apply.

Preferred Rewards Program Eligibility. You can enroll, and maintain your membership, in the Bank of America Preferred Rewards® program if you have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier and $1,000,000 for the Diamond Honors tier. Balances include your combined, qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:

a three-month combined average daily balance in your qualifying deposit and investment accounts, or
a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.

Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Bank of America Private Bank clients qualify to enroll in the Diamond Honors tier regardless of balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please call Employee Financial Services or refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to CEBI Program for details.

Preferred Rewards Credit Card Bonus. Enrolled members with Bank of America® Customized Cash Rewards credit cards can receive a Bank of America Preferred Rewards® bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, or Diamond Honors tier on each purchase. The Preferred Rewards bonus will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your cash rewards. The Preferred Rewards bonus does not apply to the bonus earn for certain programs and is not applied to any account opening bonus or promotional bonus offer, unless we indicate otherwise. Other terms and conditions apply. Additional details about the Preferred Rewards bonus are available in your card’s Program Rules, which are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card.

This credit card program is issued and administered by Bank of America, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. Merrill, Bank of America Preferred Rewards, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Investment products are provided by MLPF&S and:

Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value

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