What you get
Rewards and benefits
How it earns
Choose a preferred cash back category and earn additional rewards in selected categories, subject to quarterly caps and terms.
- Choose a preferred category
- Bonus categories can include dining, gas, travel, online shopping, or home improvement
- Preferred Rewards members may receive a rewards bonus
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileGood to excellent credit
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Bank of America makes every lending decision.
Conditions to know
- Quarterly purchase limits apply to bonus categories.
- Preferred Rewards eligibility and bonus tiers are subject to Bank of America terms.
- Category choices and rewards can be changed under program rules.
Recorded from Bank of America’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Bank of America® Customized Cash Rewards credit card
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
