Customized Cash Rewards: Choose Your 3% Cashback Category

Welcome Offer

• Earn a $200 bonus after spending $1,000 in the first three months.
• First-Year Earning Boost: Earn 6% cashback in the category of your choice for the first year.

Rewards

• 3% Cashback in One Category of Your Choice:
  • Gas & EV Charging Stations
  • Online Shopping, including cable, internet, phone plans and streaming
  • Dining
  • Travel
  • Drug Stores & Pharmacies
  • Home Improvement & Furnishings
  • Note: You can change the choice category once every calendar month.
• 2% Cashback:
  • Grocery Stores
  • Wholesale Clubs
• Limit on 3% and 2% Cashback: You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 1% Cashback on all other purchases.

Redemption Options

• Flexible Redemption: Redeem cashback as a statement credit, direct deposit to eligible Bank of America^® or Merrill^® accounts, or use it at Amazon.com and PayPal checkout.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
• Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
• Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
• Regular Balance Transfer Fees: 5% of each transfer amount for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Bank Relationship Benefits

• BofA Rewards™ Eligibility: An eligible Bank of America^® personal checking account is required to enroll in BofA Rewards™.
• Boosted Rewards for BofA Rewards™ Members: If you’re enrolled in BofA Rewards™, you can earn 10% to 75% more points.
  • Member: 10% rewards bonus
    • 3.3% cashback on the choice category
    • 2.2% cashback on grocery and Wholesale Clubs
    • 1.1% cashback on all other purchases
  • Preferred Plus: 25% rewards bonus
    • 3.75% cashback on the choice category
    • 2.5% cashback on grocery and Wholesale Clubs
    • 1.25% cashback on all other purchases
  • Preferred Honors: 50% rewards bonus
    • 4.5% cashback on the choice category
    • 3.0% cashback on grocery and Wholesale Clubs
    • 1.5% cashback on all other purchases
  • Premier: 75% rewards bonus
    • 5.25% cashback on the choice category
    • 3.5% cashback on grocery and Wholesale Clubs
    • 1.75% cashback on all other purchases
  • Note: BofA Rewards™ bonuses do not apply to the first-year cash back bonus.

» MORE: BofA Rewards™ program

Convenience Features

• Digital wallet compatible: Apple Pay^®, Google Pay™, Samsung Pay.

Terms and Conditions

• Click Apply Now to see the terms and conditions.

Related Card Options

• Susan G. Komen^® Customized Cash Rewards: A good option if you want the same customizable cashback structure while supporting a charitable cause, without changing how the card works.
• Customized Cash Rewards for Students: A better fit for students or first-time cardholders who want customizable cashback with easier approval and no annual fee.

EarnSmart Rewards Strategy

• Altitude^® Connect: Adds elevated rewards on travel, gas, and EV charging purchases.
• Active Cash^®: Provides unlimited 2% cashback on all purchases, ensuring strong returns on spending outside bonus categories.
• Discover it^®: Earn 5% cashback on rotating quarterly categories (activation required).

» MORE: See Big4credit’s best cash back credit cards