The Bank of America Customized Cash Rewards card earns a decent 3% cashback on your chosen category, but only if you spend $1,000 in that area within the first year to get the signup bonus. It's not the best card for big spenders or those with poor credit, since its rewards aren't particularly lucrative and it has a relatively high APR. If you're disciplined about using your chosen category wisely, this card can pay for itself.
What you actually earn
Who this card is for
This card is ideal for someone with good-to-excellent credit who regularly spends around $1,000 per quarter in a single area, such as groceries or gas.
The compliance footnote
The Customized Cash Rewards carries a $0 annual fee with an APR range of 18.24–28.24% Variable. Foreign-transaction fee is 3%. The current signup offer is $200 after $1,000 in 90 days. These terms are accurate as of 2026-05-06 and may change at the issuer's discretion. We earn a referral fee on approved applications referred via the Apply link, at no cost to you.