Bank of America
Cash back

Bank of America Customized Cash Rewards

Bank of America · Visa

Best for

Picking your own 6% category, provided you stay inside the $2,500 quarterly cap.

Apply on Bank of America Compare cards
Annual fee
None
FX fee
N/A
Purchase APR
17.49%
Income req.
N/A
Recommended credit score
690+
Approval difficulty
Moderate approval

Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Reward rates

A category of your choice for the first year
First $2,500 in combined choice, grocery and wholesale purchases each quarter
6%
Grocery stores and wholesale clubs
Within the same $2,500 quarterly cap
2%
All other purchases
1%

Welcome bonus

$200 online cash rewards bonus after $1,000 of spending in the first 90 days.

Requirement: $1,000 in 90 days

Perks

  • 0% intro APR for the first 15 billing cycles on purchases
  • 0% intro APR for 15 billing cycles on balance transfers made in the first 60 days
  • Good to excellent credit, roughly 690 and above

Frequently asked questions

Is the Bank of America Customized Cash Rewards worth it?

It has no annual fee. It's best suited to picking your own 6% category, provided you stay inside the $2,500 quarterly cap. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.

What does the Bank of America Customized Cash Rewards earn?

It earns 6% on a category of your choice for the first year, 2% on grocery stores and wholesale clubs and 1% on all other purchases.

What credit score do you need for the Bank of America Customized Cash Rewards?

We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. Vault Nerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
Vault Nerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“Bank of America Customized Cash Rewards Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/bank-of-america-customized-cash, updated August 2026.

Sources
  • Bank of America published product page and cardholder agreement