Credit card

Bank of America® Customized Cash Rewards Credit Card

Cash back

VISA

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Card review

Bank of America® Customized Cash Rewards Credit Card

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Choose your 3% cash-back category every month

Fee: No fee
Purchase APR: 17.49% - 27.49%
Interest-free: -
Foreign fee: 3%

Rewards

3% cash back in one chosen category (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings); 2% at grocery stores and wholesale clubs; 1% on all other purchases. The 3%/2% rate applies to the first $2,500 in combined quarterly purchases in those categories, then 1%. Preferred Rewards members earn 10–75% more cash back.

Welcome offer

$200 cash rewards bonus after $1,000 in purchases in the first 90 days

Our verdict

What stands out, and where it falls short.

What we like

3% cash back in one chosen category (gas, online…
Welcome bonus
No card fee
Pay in installments

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the Bank of America® Customized Cash Rewards Credit Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 17.49% - 27.49%
Interest-free period: -
Foreign transaction fee: 3%
Intro APR: 0% for 15 billing cycles on purchases and balance transfers made within 60 days
Regular APR: 17.49%–27.49% variable
Balance Transfer Fee: 3% for first 60 days; 5% thereafter

Rewards and features

Rewards: 3% cash back in one chosen category (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings); 2% at grocery stores and wholesale clubs; 1% on all other purchases. The 3%/2% rate applies to the first $2,500 in combined quarterly purchases in those categories, then 1%. Preferred Rewards members earn 10–75% more cash back.
Welcome offer: $200 cash rewards bonus after $1,000 in purchases in the first 90 days
Installments: Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans via mobile app or online banking
Pay with: Apple Pay, Google Pay, Contactless
Quarterly Rewards Cap: $2,500 combined quarterly purchases at 3%/2% rates, then 1%
Preferred Rewards Boost: 10%–75% bonus cash back for Preferred Rewards members (Gold/Platinum/Platinum Honors/Diamond)

Benefits and perks

Extras that come bundled with the card.

Purchase Security

Standard Visa purchase security on covered purchases
Free FICO Score

Monthly FICO Score access via mobile and online banking

Bank of America® Customized Cash Rewards Credit Card: your questions answered

Does the Bank of America® Customized Cash Rewards Credit Card have a card fee?

No - the Bank of America® Customized Cash Rewards Credit Card has no card fee.

What rewards does the Bank of America® Customized Cash Rewards Credit Card earn?

The Bank of America® Customized Cash Rewards Credit Card earns 3% cash back in one chosen category (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings); 2% at grocery stores and wholesale clubs; 1% on all other purchases. The 3%/2% rate applies to the first $2,500 in combined quarterly purchases in those categories, then 1%. Preferred Rewards members earn 10–75% more cash back..

Does the Bank of America® Customized Cash Rewards Credit Card charge foreign transaction fees?

Yes - the Bank of America® Customized Cash Rewards Credit Card charges a 3% foreign transaction fee.

What is the interest rate on the Bank of America® Customized Cash Rewards Credit Card?

The Bank of America® Customized Cash Rewards Credit Card has a purchase APR of 17.49% - 27.49%.

Does the Bank of America® Customized Cash Rewards Credit Card have a welcome offer?

Yes - $200 cash rewards bonus after $1,000 in purchases in the first 90 days.

Can I pay in installments with the Bank of America® Customized Cash Rewards Credit Card?

Yes - Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans via mobile app or online banking.

Is the Bank of America® Customized Cash Rewards Credit Card a credit, debit or prepaid card?

The Bank of America® Customized Cash Rewards Credit Card is a credit card issued by Bank of America on the Visa network.

Does the Bank of America® Customized Cash Rewards Credit Card support Apple Pay and Google Pay?

Yes - the Bank of America® Customized Cash Rewards Credit Card works with both Apple Pay and Google Pay.

Where can I get the Bank of America® Customized Cash Rewards Credit Card?

The Bank of America® Customized Cash Rewards Credit Card is currently offered in United States.

How does DebitCue rate the Bank of America® Customized Cash Rewards Credit Card?

DebitCue rates the Bank of America® Customized Cash Rewards Credit Card 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.