Customized Cash Rewards Review 2026
Customized Cash Rewards lets cardholders pick a 3% category and also earn 2% at grocery stores and wholesale clubs. The quarterly cap makes it best for planned category spending rather than unlimited rewards.
Your card estimate
Net first-year value
First year
+$500
Base rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $900 in rewards.
SwitchWize take
Intro APR planning card
Bonus value
$200
Rewards
3% cash back
Annual fee
$0
APR
15mo 0%
Pros & cons
- Flexible chosen 3% category
- No annual fee
- Bank of America Preferred Rewards upside
- Intro APR offer
- Quarterly cap limits bonus rewards
- Foreign transaction fee applies
- Requires category choice to optimize
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$0 annual fee
18.24%-27.49% variable
Spend requirement: $1,000 in first 3 months
Bank of America terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
The intro window is 15 months. Plan the payoff before the standard APR starts.
Quarterly cap limits bonus rewards
Comparison set