Pay 0% Interest Until Nearly 2028 + Earn 6% Cash Back & $200 Bonus
Last Updated: Sept. 2, 2026
Most cards make you choose between a long interest-free period or big cash back. This rare offer delivers both -- plus a $200 bonus.
After reviewing 260+ credit cards, our experts named the Bank of America® Customized Cash Rewards credit card a top pick for 2026.
Here's why it stands out:
- Pay 0% interest until nearly 2028 — long 0% Intro APR period on purchases and balance transfers for 15 billing cycles, then 17.49% - 27.49% (Variable) APR.
- Score a $200 cash rewards bonus after spending just $1,000 in the first 90 days.
- Earn up to 6% cash back in your first year -- that’s easily one of the best cash back rates available.
- $0 annual fee
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Bank of America® Customized Cash Rewards credit card
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
4.80 out of 5
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.
= Best
= Excellent
= Good
= Fair = Poor4.80 out of 5
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.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Bonus 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.
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 17.49% - 27.49% 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 5%. 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
17.49% - 27.49% (Variable)
Rewards Earn 6% cash back for the first year in the category of your choice. 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
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. 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.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Bank of America content updated on 8/3/26.
Why this is one of our favorite cards:
Score an easy $200 cash rewards bonus — This is one of the easiest to attain welcome offers out there -- earn a $200 cash back bonus for spending $1,000 in the first 90 days of having the card. Spending $1,000 in 90 days isn't exactly a tall order, and that's all it takes. That's a solid return for a card with no annual fee, especially if you were planning to put everyday purchases on it anyway.
Earn up to 6% cash back — This card offers one of the best cash back rates we’ve seen. You’ll get 6% cash back for the first year in the category of your choice: Gas, Online Shopping, Dining, Travel, Drug Stores, or Home Improvement. You'll also get 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, and 1% cash back on all other purchases. This is an easy card to rack up huge cash back with.
Pause interest until nearly 2028 on balance transfers — If you're carrying credit card debt, you know how frustrating it is watching your payments get eaten up by interest instead of reducing your balance. The average person with $5,000 in debt often pays over $1,200 in interest every year.
Move your debt to this card and you’ll pay 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days — that's over a year where every dollar goes directly toward eliminating your debt, not to the bank. 17.49% - 27.49% (Variable) APR applies after the intro period.
Avoid interest until nearly 2028 on purchases — Have big purchases coming up? Finance them interest-free for over a year instead of paying 20%+ APR. This card features a lengthy 0% Intro APR for 15 billing cycles for purchases. 17.49% - 27.49% (Variable) APR applies after the intro period.
Up to 75% bonus for BofA Rewards members: if you join Bank of America Rewards program, you can earn 10% to 75% point bonuses on top of the card’s already strong rewards rate.
$0 annual fee — Other credit cards packed with these kinds of perks tend to charge a high annual fee, but not this card.
Bottom Line
The Bank of America® Customized Cash Rewards credit card is one of the best cards we've seen -- and we've reviewed hundreds of them.
You get well over a year interest-free while earning elite cash back rates and a big cash rewards bonus -- and all for no annual fee.
Add it all up and this card could net you hundreds or even $1,000+ in interest savings and cash back in your first year alone.
Final note: credit card offers like this can change -- and once they do, they’re often gone for good. If this card sounds like a fit, we recommend applying today while this offer is still available.
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Bank of America® Customized Cash Rewards credit card
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
4.80 out of 5
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.
= Best
= Excellent
= Good
= Fair = Poor4.80 out of 5
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.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Bonus 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.
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 17.49% - 27.49% 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 5%. 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
17.49% - 27.49% (Variable)
Rewards Earn 6% cash back for the first year in the category of your choice. 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
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. 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.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Bank of America content updated on 8/3/26.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Motley Fool Stock Disclosures
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