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Maximize your cash back.

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Customized Cash Rewards credit card

  • 3%cashback

    in the category of your choice:
    Gas | Online Shopping | Dining | Travel | Drug Stores | Home Improvement & Furnishings

    • 2%cashback

      at grocery stores
      & wholesale clubs

    • 1%cashback

      unlimited on all other purchases

Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.

This offer is only available online and may not be available if you leave this page or visit a Bank of America financial center. To take advantage of this offer click Apply now above.

Two hundred dollars cash rewards bonus

$200 Online Cash Rewards BonusAfter making at least $1,000 in purchases in the first 90 days of opening your account.


Choose your 3% category:To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.

Dollar bill

Track your spendingView an online snapshot of your prior spending for each of the available 3% choice categories to help you make the choice that's right for you.


No annual fee Terms & Conditions


Cash Rewards don't expire

If you're a Preferred Rewards member, you earn
25%‐75% more cash back
on every purchase

That means you could earn 3.75% – 5.25% cash back on your purchases in your choice category

Travel Rewards Credit Card

Looking for a different kind of reward? How about points toward travel purchases?
Click here travel rewards link opens in a new tab to learn about the Travel Rewards credit card.

Need help deciding? Call 888-368-5746Call 888-368-5746

For information about rates, fees, other costs and benefits associated with the use of this card or to apply, click on “Apply now” and refer to the disclosures accompanying the online credit card application.

Preferred Rewards Program. To enroll in the Preferred Rewards program you must have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:

  1. a three-month combined average daily balance in your qualifying deposit and investment accounts or
  2. a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.

You must have a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements.

Credit Card Preferred Rewards Bonus. Enrolled members with Bank of America® Customized Cash Rewards credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. The Preferred Rewards bonus will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your Cash Rewards. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. Other terms and conditions apply. Additional details about the Preferred Rewards bonus are available in your card's Program Rules, which are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card.

This credit card program is issued and administered by Bank of America, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. Merrill, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.