Bank of America · personal · visa
Customized Cash Rewards
BoA's flagship cash card: 3% in a category you pick monthly (6% your first year — a genuinely strong intro), 2% grocery/wholesale, but mind the $2,500/quarter combined cap. The quiet superpower is the BofA Rewards boost if you keep big balances at BofA/Merrill.
Current public offer
$200 online cash rewards bonus — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 15 billing cycles on purchases and balance transfers (BT within 60 days; 3% intro BT fee first 60 days, then 5%)
- Suggested credit: Good / Excellent
Earning
- 3% in your choice category (gas/EV, online shopping incl. streaming, dining, travel, drug stores, or home improvement) + extra 3% first-year bonus (6% total year one); $2,500/quarter combined cap with grocery
- 2% at grocery stores and wholesale clubs (shares the $2,500/quarter cap)
- 1x other
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.