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Bank of America® Customized Cash Rewards Credit Card
$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
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%.
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†
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
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
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:
- 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.
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
You can also call 800.932.2775
Priority code: TC039T
Priority code: TC039T
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