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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.
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.
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
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%.
Enjoy no annual fee while maximizing your cash back by choosing how you earn 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%.
0% for 15 billing cycles
Applies to purchases, and to any balance transfers made within 60 days of opening your account
18.24% - 28.24%
variable
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.
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
Use our rewards calculator to see how much cash back you can earn...
Enjoy the flexibility to choose how you redeem your cash rewards – options include:
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
Priority code: TC039T