6% Cash Back Offer: This Bank of America Card Is One of the Best Cash Back Cards Now
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Too many credit cards ask you to earn rewards on their terms: 3% here, 2% there. But what if there were a card that let you earn cash back on the things you actually spend the most on?
Luckily, there is: the Bank of America® Customized Cash Rewards credit card. With Bank of America Customized Cash Rewards, you can earn 6% cash back for the first year in the category of your choice -- and you'll get it for no annual fee.
Here's how to earn this valuable bonus, plus everything else to know about the Bank of America® Customized Cash Rewards credit card.
Earn 6% cash back in a category of your choice
The Bank of America® Customized Cash Rewards credit card comes with the following earning rates for your first 12 months:
- 6% cash back for the first year in the category of your choice (3% back after that);
- 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases
- Unlimited 1% cash back on all other purchases
Keep in mind that the elevated earning rates have a spending cap: The rates apply up to $2,500 in combined purchases each quarter in the choice category. After that, you'll earn an unlimited 1% back on everything.
For example, let's say you spent $1,500 in your choice category and $1,000 at grocery stores. After that, you'd hit the cap and earn 1% on all purchases for the rest of the quarter.
After your first year, the same earning rates and quarterly caps apply, only you'll get 3% in your category of choice instead of 6%.
And now for the fun part -- the list of choice categories. They are:
- Dining
- Travel
- Online shopping, streaming, cable, internet, and phone plans
- Gas and EV charging stations
- Drugstores and pharmacies
- Home improvement and furnishings
The Bank of America® Customized Cash Rewards credit card also lets you change your bonus category every month. Just note that if you don't make a switch, your previous selection rolls over.
And for the cherry on top, the Bank of America® Customized Cash Rewards credit card comes with a solid, easy-to-earn welcome bonus. New cardholders can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Oh, and if you're a soccer fan: Bank of America is the official bank sponsor of FIFA World Cup 2026™, and new Bank of America® Customized Cash Rewards Visa® credit card holders can get special access to purchase match tickets during a limited-time window (while supplies last). More details here.
On Bank of America's Secure Website.
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Earn 6% cash back in the category of your choice -- like dining, travel, or online shopping -- for the first year. Plus, score a $200 cash rewards bonus after qualifying purchases.
Good/Excellent (670-850)
Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
17.74% - 27.74% (Variable)
Rewards Earn 6% cash back for the first year 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. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% 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. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
1% - 6% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200 cash back
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This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 6% earnings for the first year in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America Preferred Rewards member, this card will be even more valuable for you.
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- Competitive welcome bonus
- Bonus cash back in a category of your choice
- No annual fee
- Great intro & transfer APR offer
- Relationship rewards bonus
- Foreign transaction fee
- Limit on bonus cash back
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- Earn 6% cash back for the first year 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. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% 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. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Preferred Rewards members rack up even more rewards
Still not sold? If you're a Bank of America Preferred Rewards® member, you can get even more out of the Bank of America® Customized Cash Rewards credit card. Depending on your tier, you'll get an additional 25% to 75% bonus on every purchase.
That means:
- Your 3% category could go up to 3.75% to 5.25%
- Your 2% at grocery stores and wholesale clubs could rise to 2.50%-3.50%
- Your base 1% on other purchases could go up to 1.25%-1.75%
The 3% first-year bonus isn't eligible for the Preferred Rewards boost, but you'll still be set up for the long run if you're a Bank of America member.
Add it all up, and you're looking at one of the most valuable cash back cards available today -- one that lets you rack up rewards how you want.
What are you waiting for? Read our full review of the Bank of America® Customized Cash Rewards credit card to apply today.
Our Research Expert
Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.