This Bank of America Card Offers 6% Cash Back and a $200 Bonus

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In the world of cash back credit cards, a rewards rate of 5% is about as good as you'll find. But there's a Bank of America card that tops that -- at least for your first year.

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. You'll also get an easy-to-earn welcome bonus as the cherry on top -- all for a $0 annual fee.

Keep reading to learn how to earn this valuable first-year offer.

Get 6% cash back for the first year in the category of your choice

With the Bank of America® Customized Cash Rewards credit card, you'll unlock the following earning rates for your first 12 months:

  • 6% cash back for the first year in the category of your choice (3% cash back after the first year from account opening in your choice category);
  • 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

Note 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/grocery stores/wholesale clubs. You'll earn an unlimited 1% thereafter. That means if you were to spend $1,500 in your choice category and $1,000 at grocery stores, 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%.

The card's list of choice categories includes:

  • Dining
  • Travel
  • Online shopping, streaming, cable, internet, and phone plans
  • Gas and EV charging stations
  • Drugstores and pharmacies
  • Home improvement and furnishings

With the Bank of America® Customized Cash Rewards credit card, you can change your bonus category each month online or through the Bank of America mobile app. If you don't make a switch, your previous selection rolls over.

And that's not all. Right now, you'll also qualify for the card's welcome offer of $200 cash back after making at least $1,000 in purchases in the first 90 days of account opening.

What are you waiting for? Read our full review of the Bank of America® Customized Cash Rewards credit card to apply today.

4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
New Offer

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.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 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 17.99% - 27.99% 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

17.99% - 27.99% (Variable)

Rewards Circle with letter I in it. Earn 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. 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 first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs up to the quarterly maximum.

1% - 6% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $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

  • 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
    • New offer! 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 17.99% - 27.99% 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.
Bank of America content updated on 10/1/25.

Earn even more as a Preferred Rewards member

Want to get even more value out of the Bank of America® Customized Cash Rewards credit card? Bank of America Preferred Rewards® members can earn more cash back, depending on your banking tier (i.e., how much you have saved with Bank of America). You can get:

  • A boost on your 3% category to 3.75%-5.25% (after the first-year bonus ends)
  • A boost on your 2% at grocery stores and wholesale clubs to 2.50%-3.50%
  • A boost on your 1% on all other purchases to 1.25%-1.75%

The Preferred Rewards bonus isn't applied to the 3% first-year bonus, but you'll still be able to earn tons more rewards over time.

If you're looking for a strong no-annual-fee earner, you can do a lot worse than the Bank of America® Customized Cash Rewards credit card. Its ongoing rewards rates are super solid -- and once you factor in its valuable first-year bonus, the card becomes a no-brainer.

Ready to earn 6% cash back for the first year in the category of your choice? Check out our full review of the Bank of America® Customized Cash Rewards credit card and apply today.

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