Help Fight Breast Cancer: For each new Susan G. Komen Customized Cash Rewards credit card from Bank of America used to make a transaction within and remain open the first 90 days of account opening, Komen receives $3 and 0.08% of all retail purchases made with the card. Komen also receives $3 for each renewal of a card in good standing during the 12 months and does not have a zero balance at the time of renewal.
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.
Additional Features
- Free credit score access.
Buy Now, Pay Later Options
- Custom Pay Plan: Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
- Customized Cash Rewards: Offers the same customizable cashback structure without the charity affiliation, making it a better fit if you prefer a standard rewards card without cause-based branding.
- 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
- Discover it®: Adds a rotating 5% cashback category, helping fill spending gaps when your Customized Cash Rewards category isn’t active or when you’ve reached spending caps.
- Freedom Flex®: Provides another set of rotating 5% categories plus ongoing bonus rewards on dining and drugstores, creating excellent category coverage alongside Customized Cash Rewards.
- Altitude® Connect: Complements the card with travel benefits, no foreign transaction fees, and strong rewards on travel-related purchases that fall outside your selected Customized Cash Rewards category.
» MORE: See Big4credit’s best cash back credit cards