Bank of America® Customized Cash Rewards Credit Card
For people who spend most in one area and are happy to pick it. You choose one category (gas and EV charging, online shopping, dining, travel, drug stores, or home improvement) for 6% cash back in the first year, then 3%, and get 2% at grocery stores and wholesale clubs. One category at a time, up to $2,500 in combined choice and grocery purchases each quarter, then 1%. No annual fee, and 0% intro APR for 15 billing cycles. The caveat: the quarterly cap limits big spenders, and a 3% foreign transaction fee makes it a poor card abroad.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Six categories to choose from: gas and EV charging, online shopping, dining, travel, drug stores, home improvement
- Change your category once each calendar month
- 0% intro APR for 15 billing cycles on purchases
- 3% intro balance transfer fee for the first 60 days
- Annual fee: $0
- Regular purchase APR: 17.49% - 27.49% Variable
- Intro purchase APR: 0% for 15 billing cycles
- Intro balance transfer APR: 0% for 15 billing cycles for balance transfers made within the first 60 days
- Balance transfer fee: 3% intro fee for the first 60 days, then 5% of each transaction
- Cash advance APR: 20.49% - 28.49% Variable for direct deposit and check cash advances, 29.24% Variable for bank cash advances
- Cash advance fee: 5% of the amount of each transaction
- Penalty APR: Up to 29.99%
- Late payment fee: Up to $41
- Foreign transaction fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You spend a lot in one of the six choice categories and want 6% on it for the first year.
- You buy groceries often: 2% at grocery stores and wholesale clubs with no annual fee.
- You want a long 0% window: 15 billing cycles on purchases and on early balance transfers.
- You should skip it if you spend more than $2,500 a quarter in these categories or often pay abroad: the cap and the 3% foreign transaction fee cut the value.
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Your guess: 700
Approved at 670 to 739
Approval results for this card
132 results: 123 approved, 9 denied. Approval rate 87% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Not sure | $50k to $75k | CA | Sep 2026 |
| Approved | 740 to 799 | Experian | $75k to $100k | NY | Aug 2026 |
| Approved | 740 to 799 | Experian | $100k to $150k | HI | Aug 2026 |
See all 132 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
