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Bank of AmericaCash Back
Bank of America Customized Cash Rewards
Cash back card from Bank of America
$0
No annual fee
- 3% in category of choice (gas, online, dining, travel, drug, home)
- 2% at grocery stores and wholesale clubs
- No annual fee
- 0% intro APR for 15 months
- Up to 75% bonus with Preferred Rewards
Welcome Bonus
$200 value
after $1,000 spend in 90 days
Credit Needed
Good (670-749)
Personal card
APR
0% intro
then 17.49%–27.49% after 15 months
Foreign Transaction Fee
3%
Fee on foreign purchases
Balance Transfer
0% intro
for 15 months, then 17.49%. 3% fee
Base Reward Rate
1%
On all other purchases
Rewards Structure
| Category | Rate | Details |
|---|---|---|
| Gas | 3% | in your choice category (up to $2,500/quarter) (up to $10,000/yr) |
| Groceries | 2% | at grocery stores and wholesale clubs |
| Everything else | 1% | Base rate on non-bonus spending |
Rates and fees disclosure
Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.
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