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Credit card review
Bank of America Customized Cash Rewards review
Best for: Spenders with one big category — you pick it, and can change it monthly.
The pick-your-category card: choose where you earn 3% (6% in year one), change it monthly, and stack a 15-cycle 0% intro APR and $200 bonus — all with no annual fee.
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Annual fee
$0
Rewards
6% in year 1 in one chosen category (3% after); 2% at grocery stores and wholesale clubs; 1% on everything else (on first $2,500 combined/quarter)
Intro APR
0% for 15 billing cycles (purchases and balance transfers made in first 60 days)
Regular APR
17.49%–27.49% variable
Welcome offer
$200 online cash rewards bonus after $1,000 spend in 90 days
Foreign transaction fee
3%
Standout features
- Choose your 3% category (gas, online shopping, dining, travel, drugstores, home improvement) — changeable once a month.
- Rare combo: 15-cycle 0% intro APR plus strong rewards plus a $200 bonus on a $0-fee card.
- Preferred Rewards members earn a 25%–75% bonus on rewards.
Honest drawbacks
- $2,500/quarter combined cap (~$833/month) on the top rates.
- 3% foreign transaction fee.
- 0% balance transfers only count if made within 60 days; the BT fee jumps to 5% after that window.
Visit Bank of America Customized Cash Rewards →
Link goes directly to Bank of America Customized Cash Rewards's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Bank of America credit cards (official) (checked Sep 2026)
- BofA Customized Cash Rewards apply page (official) (checked Sep 2026)
- Motley Fool: BofA Customized Cash Rewards review (checked Sep 2026)
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