Bank of America Cash Rewards: Choose Your 3% Category and Earn on Your Terms
Choose an Option:
Why This Card’s Setup Matters
Choose the best option for your profile
- You control the 3%: Picking the right bonus category each month is the difference between “okay rewards” and real cash back.
- Intro perks can save money: Intro APR and no annual fee can help in year one if you use them responsibly.
- Caps change your returns: The quarterly limit affects how much earns at higher rates, so planning matters.
- Banking relationship can boost rewards: Preferred Rewards can increase cash back if you qualify with BofA/Merrill balances.
How We Help You Make the Right Choice
We simplify the application and rewards strategy by turning the process into clear steps, highlighting the fees you should actually care about, and showing how to avoid the mistakes that cost you cash back.
- We list exactly what to have ready before you apply, including your preferred 3% category choice.
- We outline the apply flow from “Apply Now” to submission and what happens next.
- We explain category switching, redemption options, and how Preferred Rewards can boost returns.
Get Started in 3 Easy Steps
- Choose your 3% category – Pick gas, online shopping, dining, travel, drug stores, or home improvement based on this month’s spend.
- Apply online with clean details – Enter accurate personal and income info, review terms, then submit.
- Set up rewards tracking – Use the app to monitor cash back, switch categories monthly, and redeem your rewards.
Ready to Apply?
If you want flexible cash back you can steer month to month, apply online with your info ready and decide your 3% category before you hit submit. Then set alerts so you don’t miss payments or promotions.
How Does the Selection Process Work?
Our process helps you choose the best category setup, confirm the key rates and caps, and submit a clean application so you can start earning without wasting the card’s best feature.
Share your top spending category
We align your 3% pick to where you spend most right now, then adjust monthly as needed.
Confirm the real costs
We focus on intro APR terms, regular APR range, balance transfer fees, and foreign transaction costs.
Maximize what you already qualify for
We check if Preferred Rewards makes sense and how to use mobile tools like alerts and virtual card numbers.
Start Now and Turn Everyday Spend Into Smarter Cash Back
The Bank of America Customized Cash Rewards card stands out because you choose where the 3% happens—so your rewards can follow your real life, not a fixed category list.
Start by picking your best category, apply online with accurate info, and use the app to switch categories and track rewards. That’s how you keep cash back working in your favor all year.