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Bank of America® Customized Cash Rewards Credit Card

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$200 online cash rewards bonus offer

3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. See below for details on quarterly maximum.

Card Details

Card Details

3% cash back in the category of your choice

Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings Learn more cash back categories

Automatic 2% cash back at grocery stores and wholesale clubs

Unlimited 1% cash back on all other purchases

Earn 3% 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. Calculate rewards Cash Rewards

To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app Footnote [1] . You can change it once each calendar month, or make no change and it stays the same.

$200 online cash rewards bonus offer

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

Low Introductory APR Offer

0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply. 3% Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

No annual fee

Enjoy no annual fee while maximizing your cash back by choosing how you earn rewards

Earn even more rewards

Bank of America Preferred Rewards® members earn 25%-75% more cash back on every purchase.

That means the 3% choice category could earn 3.75% - 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% - 3.50%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% - 1.75%.

Learn more about Preferred Rewards Cash Rewards

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

Interest Rates & Fees Summary

Interest Rates & Fees Summary

Introductory APR

0% for 15 billing cycles

Applies to purchases, and to any balance transfers made within 60 days of opening your account

Standard APR

18.24% - 28.24%

variable

Annual Fee

$0

Balance Transfer Fee

3% of each transaction intro balance transfer fee for the first 60 days your account is open.

After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

Rewards

Rewards

Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings

Automatic 2% cash back at grocery stores and wholesale clubs

Unlimited 1% cash back on all other purchases

Earn 3% 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.

There's no annual fee and your cash rewards don't expire as long as your account remains open. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same. Learn more Reward Categories

Calculate your rewards

Enjoy the flexibility to choose how you redeem your cash rewards – options include:

  • Redeem your cash rewards for any amount, anytime for statement credits, deposits made directly into a Bank of America® checking or savings account, or for credit to an eligible account with Merrill, or to pay for eligible purchases when you shop at Amazon.com or check out with PayPal.
  • Redemptions for a contribution to a qualifying 529 account with Merrill or for a check start at $25.
  • You may set up automatic redemptions into an eligible Bank of America® or Merrill® account. Automatic redemptions start at $25. Statement credits, checks and contributions into a qualifying 529 account are not eligible for automatic redemption enrollment.

See how much cash back you can earn

Tell us how much you spend every

Earn 3%

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

Earn 2%

at grocery stores & wholesale clubs*

Earn 1%

on all other purchases

0

Your 3 months of spending

*Earn 3% 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.

0

(gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings)

*Earn 3% 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.

Your cash back rewards

available on redemption

$0.00

 

0 cash back

0% cash back

Cash back rewards

 

Earn more cash back

as a Bank of America Preferred Rewards® member

$0.00

 

0 cash back

0% cash back

25%

Gold Tier Preferred Rewards Bonus

$0.00

 

0 cash back

0% cash back

50%

Platinum Tier Preferred Rewards Bonus

$0.00

 

0 cash back

0% cash back

75%

Platinum Honors Tier and Higher Preferred Rewards Bonus

Note: This calculator is for illustrative purposes only. It is not intended to be printed or distributed. Your actual rewards earned will depend upon your individual purchases.

Your cash back rewards

available on redemption

$ 0.00

 

$ 0.00

0 cash back

0% cash back

Cash back rewards

Earn more cash back

as a Bank of America Preferred Rewards® member

 

$ 0.00

0% cash back

0 cash back

25% Gold Tier Preferred Rewards Bonus

 

$ 0.00

0% cash back

0 cash back

50% Platinum Tier Preferred Rewards Bonus

 

$ 0.00

0% cash back

0 cash back

75% Platinum Honors Tier and Higher Preferred Rewards Bonus

Preferred Rewards makes your credit card even better

Note: This calculator is for illustrative purposes only. It is not intended to be printed or distributed. Your actual rewards earned will depend upon your individual purchases.

Security & Features

Security & Features

Stay Protected

We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions. Footnote [2] Learn more at the Security Center  Opens in a new window

Contactless Chip Technology

Simply tap to pay where you see the Contactless Symbol. You can make purchases quickly, easily and securely at millions of locations. Learn more   about Contactless Chip Technology opens in a new window

Balance Connect® for overdraft protection

An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. No transfer fees. Other fees may apply. Footnote [3]

Paperless Statement Option

Opt for paperless credit card statements and increase account security while reducing paper consumption.

Digital Wallet Technology

Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay. Learn more   about Digital Wallets Technology opens in a new window

Online & Mobile Banking

Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more. Footnote [1]

Account Alerts

Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid. Footnote [4]

FICO® Score

Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Footnote [5] Learn More   about Free FICO Credit Score opens in a new window

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