Bank of America · Visa
Bank of America Customized Cash
Annual Fee
$0
Sign-Up Bonus
$200
Current offer shown; issuer determines eligibility.
Spend $1,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Flexible Cash Back
Sign-Up Bonus
Bonus: 200 cashback
Requirement: Spend $1,000 in 3 months
Estimated value: $200Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Category you choose (gas, online shopping, dining, travel, drug stores, or home improvement) — limited-time: 6% (instead of 3%) for the first year from account opening; shares the $2,500/qtr combined cap
Cap: $10,000/yr
Grocery stores (shares the $2,500/qtr combined cap, then 1x)
Cap: $10,000/yr
Wholesale clubs (shares the $2,500/qtr combined cap, then 1x)
Cap: $10,000/yr
Key Benefits
Perks (not counted in our math)
Link BofA accounts for up to 75% bonus
Pros & Cons
Pros
- + Choose your 3% category
- + Preferred Rewards can boost to 5.25%
- + No annual fee
Cons
- - $2,500 quarterly cap
- - Must change category manually
- - Best value needs BofA relationship
Rates and fees may vary.See current rates, fees, and terms on Bank of America's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.