Get a $200 Bonus Offer and 6% Cash Back Offer With This Popular Bank of America Card
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Imagine if you got an instant 6% discount on whatever you spent the most on each month -- gas, takeout, travel, you name it.
That's basically what this Bank of America® cash back card is offering right now.
With the Bank of America® Customized Cash Rewards credit card, you can earn 6% cash back for the first year in the category of your choice. Whether it's travel, brunch, or online shopping sprees, you pick where to max out your rewards.
And on top of that, there's a $200 cash back welcome bonus up for grabs after your first $1,000 in purchases in the first 90 days after account opening.
Here's why it's one of the best cash back cards out there right now.
Pick your category for the 6% cash back offer
The Bank of America® Customized Cash Rewards credit card is pretty simple: You choose where you want to earn the most cash back, and for your first 12 months, that category earns 6% back.
Your options include:
- Dining
- Travel
- Online shopping and streaming
- Gas and EV charging stations
- Drugstores and pharmacies
- Home improvement and furnishings
After the first year, your bonus category switches to 3% (still solid), and you can change it every month through your online account or the app.
Here's the full rewards structure:
- 6% cash back for the first year in the category of your choice (then 3%)
- 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases
- 1% cash back on all other purchases
Note: The 6% and 2% rewards apply to the first $2,500 in combined purchases each quarter. Anything above that earns 1% until the next quarter rolls over.
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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.
Easy $200 bonus just for getting started
On top of that 6% cash back offer, new cardholders can also score a $200 cash back bonus after spending $1,000 in the first 90 days.
That's one of the easiest welcome offers to qualify for, especially for a card with no annual fee.
If you've got groceries, gas, or a pile of holiday gifts coming up (and who doesn't this time of year), hitting that spending mark should be a breeze.
Bonus perk for soccer fans: From Dec. 4, 2025 to Jan. 5, 2026, new Bank of America® Customized Cash Rewards Visa® credit card holders also get exclusive access to buy up to two tickets to a FIFA World Cup 2026™ match (while supplies last). Check out all the program details here.
Even more perks if you bank with Bank of America
If you're a Bank of America Preferred Rewards® customer, you can unlock even bigger cash back boosts over time.
Your regular rewards can get a serious upgrade depending on your membership tier:
- Gold (25% boost)
- Platinum (50% boost)
- Platinum Honors (75% boost)
These boosts can turn the 3% category into 3.75%, 4.50% or 5.25% depending on your status.
Just note: The Preferred Rewards bonus is not applied to the 3% first-year bonus.
Final thoughts: A flexible favorite with serious upside
If you want a cash back card that works around your regular life, this one's a great option. Especially if you're a current Bank of America customer.
That 6% cash back offer is one of the highest intro rates available right now, and the ability to switch categories monthly gives you full control.
Add in the welcome bonus, zero annual fee, and ongoing perks for Bank of America customers, and it's a card that can keep earning well past the first year.
For a full list of our rewards card recommendations, check out other top picks here.
Our Research Expert
Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.