Reward. Redeem. Repeat.

With 3% cash back in the category of your choice, you can’t stop getting rewarded.

Bank of America® Customized Cash Rewards credit card

Bank of America Cash Rewards credit card

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

$200 online cash rewards bonus offer

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

No annual fee

Rewards don't expire

There's no expiration on the rewards you earn

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Earn even more cash back when the card is paired with Preferred Rewards

Preferred Rewards is a program that offers its members exclusive benefits and rewards on their everyday banking. All you need to enroll is an active, eligible Bank of America® checking account and have a three-month combined average daily balance of $20,000 or more in Bank of America deposit and/or Merrill® investment accounts. There is no fee to join or participate.

Your benefits and rewards are based on your tier. As a Preferred Rewards member, you are eligible to receive a rewards bonus on your Bank of America® Customized Cash Rewards credit card.

GOLD TIER:
$20K to < $50K*25% Rewards Bonus
PLATINUM TIER:
$50K to < $100K*50% Rewards Bonus
PLATINUM HONORS TIER:
$100K+*75% Rewards Bonus
3%choice category
becomes
3.75%cash rewards with gold tier 4.5%cash rewards with platinum tier 5.25%cash rewards with platinum honors tier
2%grocery
stores/wholesale clubs
becomes
2.5%cash rewards with gold tier 3%cash rewards with platinum tier 3.5%cash rewards with platinum honors tier
1%All other purchases
becomes
1.25%cash rewards with gold tier 1.5%cash rewards with platinum tier 1.75%cash rewards with platinum honors tier
Gold
Tier


$20K to < $50K*

25% Rewards Bonus
Platinum
Tier


$50K to < $100K*

50% Rewards Bonus
Platinum
Honors
Tier

$100K+*

75% Rewards Bonus
  • 3% choice category
    becomes
    3.75%cash rewards with gold tier
    4.5%cash rewards with platinum tier
    5.25%cash rewards with platinum honors tier
  • 2% grocery
    stores/wholesale clubs
    becomes
    2.5%cash rewards with gold tier
    3%cash rewards with platinum tier
    3.5%cash rewards with platinum honors tier
  • 1% All other purchases
    becomes
    1.25%cash rewards with gold tier
    1.5%cash rewards with platinum tier
    1.75%cash rewards with platinum honors tier

* There are different tiers in the Preferred Rewards program. Your tier is based on your qualified three-month combined average daily balances in your Bank of America® deposit and/or Merrill® investment accounts. With the Preferred Rewards program, earn up to 5.25% and up to 3.5% 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 up to an unlimited 1.75% thereafter.

Not a Preferred Rewards member? See if you're eligible.

Ready to apply? Download the app.

Get the Bank of America Mobile Banking app and apply for the Customized Cash Rewards card.

Please select a device

Get the app

Please enter a valid phone number

Enter your cell phone number

Send

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.

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 back 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.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC, and a wholly owned subsidiary of BofA Corp.