ResourcesCalculatorsBofA Customized Cash Rewards
No Annual Fee

Is the Customized Cash Rewards worth it for you?

Customized Cash Rewards earns 3% cash back in one category you choose each month (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings), 2% at grocery stores and wholesale clubs, and 1% on everything else. The 3% and 2% categories share one combined cap of $2,500 in spend per quarter — spend above that falls back to 1%.

Bonus / Offer

Did you get a bonus for opening this card?

Bank of America Preferred Rewards

Preferred Rewards members earn 25%–75% more cash back on every purchase, based on combined BofA banking + Merrill balances. Select your tier if you're enrolled.

Your 3% Category

Pick the category you'd set as your 3% choice each month.

Annual Spending

Enter your estimated annual spend in each category.

Shares a combined $2,500/quarter cap with groceries/wholesale below
$—
Shares the combined $2,500/quarter cap with your 3% category above
$—
$—
Total value earned
$0.00NO ANNUAL FEE

You earn $0.00 per year with no fee to offset — it's pure upside.

Cash back earned$0.00
Total value$0.00

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