Bank of America Customized Cash

Name: Bank of America Customized Cash
Brand: Bank of America
Rating: 4.3 (50 reviews)

Choose your 3% category each month, no rotation needed.

4.3 / 5

Joining fee

Annual fee

Top reward

Min income

None stated

Apply at Bank of America ← Back to all cards

External link to Bank of America’s own application page.

The Bank of America Customized Cash has no annual fee. It earns 3% on shopping and 1% on everything else. Forex markup is 3%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much Bank of America Customized Cash actually pays you over time, net of annual fees.

Your monthly spend$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$324

Annual feeNo fee

Welcome bonus (year 1 only)+$200

Cumulative net value

+$1,820

over 5 years

Year 1

$524

+$524/yr

Year 2

$848

+$324/yr

Year 3

$1,172

+$324/yr

Year 4

$1,496

+$324/yr

Year 5

$1,820

+$324/yr

Year 1 (with bonus)

$524

Year 2+ (steady state)

$324/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the Bank of America Customized Cash earn?

What you earn back, by category.

shopping

On up to $2,500 spend per quarter (cap terms unverified)

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Everything else

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Welcome bonus

$200 cash rewards after $1,000 spend in 90 days

What do you get with the Bank of America Customized Cash?

3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
1% on everything else
No annual fee