Bank of America Customized Cash Rewards Review

Name: Bank of America Customized Cash Rewards
Availability: InStock

By Daniel Hart · Home & Kitchen Editor

Reviewed June 17, 2026

Pick your top 3% cash-back category and stack a sign-up bonus with no annual fee.

#cash back#no annual fee#rewards#credit card

Overview

Earn 3% back in a category you choose—like gas, dining, or online shopping—plus 2% at grocery stores and wholesale clubs. With no annual fee and a cash welcome offer, it's a flexible everyday earner.

Why we picked it

Our take: Best value.
Price range: $0/yr.
Where to buy: Bank of America.

Daniel Hart

Home & Kitchen Editor

Daniel covers home, kitchen, and everyday-carry gear. He's a stickler for durability and value, and has no patience for overpriced hype.

How it compares

Bank of America Customized Cash Rewards vs. other Credit Cards picks.

Product	Our take	Highlight	From
Bank of America Customized Cash Rewards(this page)	Best value	Cash sign-up bonus after minimum spend	Bank of America	Apply →
Chase Sapphire Preferred	Best travel card	Big points bonus	Chase	Apply →
Capital One Venture Rewards	Best for simplicity	Miles bonus	Capital One	Apply →
Discover it Cash Back	Best value	Unlimited Cashback Match — all first-year cash back doubled	Discover	Apply →

More Credit Cards picks

Chase Sapphire Preferred

Chase Sapphire PreferredBest travel card

A big welcome bonus plus flexible points that stretch further on travel.

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Big points bonus

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Chase

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Capital One Venture Rewards

Capital One Venture RewardsBest for simplicity

Earn flat-rate miles on literally everything, then redeem without the headache.

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Miles bonus

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Capital One

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Discover it Cash BackBest value

No annual fee, 5% rotating categories, and Discover doubles all your cash back the first year.

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Unlimited Cashback Match — all first-year cash back doubled

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Discover

Apply now →Review