THE CARDTUNED DATABASE
Bank of America Customized Cash Rewards
Issuer: Bank of America · Network: Visa
6% cash back in the category of your choice for the first year (3% base + 3% first-year bonus); 2% at grocery stores and wholesale clubs; 1% other purchases
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% intro APR for 15 billing cycles on purchases and qualifying balance transfers made in the first 60 days
- Regular APR
- 17.49%–27.49% variable after intro period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$200 online cash rewards bonus after at least $1,000 in purchases in the first 90 days; plus first-year 3% bonus in the chosen category
- Spending requirement
- $1,000 in purchases
- Time window
- the first 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Groceries & Wholesale clubs | 2% | at grocery stores and wholesale clubs |
| Other purchases | 1% | other purchases |
Additional benefits
• 6% cash back in the category of your choice for the first year (3% base + 3% first-year bonus)
• Introductory APR terms are available, subject to the application and card agreement.
Restrictions to know
6% choice-category and 2% grocery/wholesale rates apply to the first $2,500 in combined purchases each quarter; after the first-year bonus ends, the choice category returns to 3%.
Who can apply
U.S. applicant of legal age; subject to Bank of America credit approval, identity and income verification, and current product/application rules.
Credit profile: Generally good to excellent credit positioning
Before you choose
Match the selected category to your budget
Compare the category you intend to select with your normal purchases and the applicable combined spending cap. Keep base rewards separate from any relationship-based reward enhancement.
If a higher rewards rate depends on a banking relationship, count it only when you meet the requirements. Introductory offers and ongoing category earnings should be evaluated separately.