CardflareBank of America Customized Cash Rewards
Bank of America
Key facts
- Annual fee$0
- RewardsCash back
- Everything else earns1% back
- Minimum credit score670
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Groceries | 2% back | up to $2,500 of spend a quarter |
| Warehouse clubs | 2% back | up to $2,500 of spend a quarter |
| Everything else | 1% back | No cap stated |
Rotating categories
3% back on up to $2,500 of spend a quarter, in a category you choose.
Categories seen in the catalog: Gas, Online shopping, Dining, Travel (air), Travel (hotel), Travel (other), Drugstores.
Choices: Gas & EV Charging Stations (default), Online Shopping (incl. cable, internet, phone plans and streaming), Dining, Travel, Drug Stores, Home Improvement/Furnishings (no matching category). Change once each calendar month.
Signup bonus
$200 after $1,000 of spend in the first 3 months.
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Bank of America; the card name is its owner's trademark.