Bank of America Customized Cash Rewards

Bank of America Customized Cash Rewards card art

Bank of America · Credit card · Cash back

3.5 Debt Sunset rating vs. other cash back cards

Pick your own 3% cash back category (gas, online shopping, dining, travel and more), with no annual fee.

Rates, fees and offers

Regular APR
17.49%–27.49% variable
Annual fee
$0
Promo offers
0% intro APR for 15 billing cycles on purchases and on balance transfers made within 60 days.
Balance transfer fee
3% for the first 60 days, then 5%
Rewards
3% cash back in a category you choose (6% the first year), 2% at grocery stores and wholesale clubs (quarterly cap on combined 3%/2% spend), 1% everything else.
Welcome offer
$200 bonus after $1,000 in purchases in the first 90 days.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Bank of America Preferred Rewards members earn 25%–75% more cash back.

Paying and contacting Bank of America

Customer service
1-800-421-2110 · 24/7
Lost, stolen or fraud
800-732-9194
Pay by mail
Bank of America
P.O. Box 15019
Wilmington, DE 19886-5019

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

Billing disputes
Bank of America
P.O. Box 672050
Dallas, TX 75267-2050

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