Bank of America
Bank of America Customized Cash Rewards
Annual Fee
$0
Sign-up Bonus
20,000 pts
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Card data last reviewed 2026-10-20
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on online shopping (catalog median is 1x)
- 3x on streaming (catalog median is 1x)
- 3x on internet (catalog median is 1x)
- No annual fee
- Non-bonus spending earns only 1x
- Top earn rate is capped (shared across categories)
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$369/yr
$369 rewards
#42 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$380/yr
$380 rewards
#57 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$328/yr
$328 rewards
#77 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
1x
Grocery
2x
Gas
1x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
3x
Rideshare
1x
Streaming
3x
Amazon
1x
Costco
2x
Other
1x
Apple
1x
Cell Phone
3x
Fast Food
1x
Home Utilities
1x
Internet
3x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3% in one category you choose each month (online shopping, gas/EV, dining, travel, drug stores or home improvement), 2% at grocery stores and wholesale clubs, 1% on everything else. The 3% and 2% categories share a $2,500 per quarter cap, then 1%. Multipliers shown are the online-shopping choice. The 6% first-year choice-category rate and BofA Rewards boosts (10-75% by tier) are not modeled.
- Top rate capped at $2,500 per quarter
Bank of America Customized Cash Rewards FAQ
What is the Bank of America Customized Cash Rewards annual fee?
The Bank of America Customized Cash Rewards has no annual fee.
What is the Bank of America Customized Cash Rewards signup bonus?
20,000 dollars for new cardholders meeting the minimum spend. Verified 2026-10-20. Check the issuer's site for the current offer.
What are the best spending categories for the Bank of America Customized Cash Rewards?
3x on online shopping, 3x on streaming, 3x on internet. Everything else earns 1x.
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Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.