Best for cash back
Bank of America® Customized Cash Rewards credit card
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in our Bankrate review
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While the Bank of America® Customized Cash Rewards credit card isn’t necessarily the most lucrative cash back card on the market, given its cap on earnings, it’s a great option for borrowers looking for a reliable rewards card with solid earning potential and unique flexibility. Plus, with no annual fee, you don’t need to worry about earning enough rewards to offset the yearly charge.
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- Welcome bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Rewards: 3 percent cash back on category purchases of choice from the following list: gas, online shopping, dining, travel, drugstore or home improvement; 2 percent back at grocery stores and wholesale clubs (up to $2,500 of combined 3 and 2 percent category purchases each quarter, then 1 percent); 1 percent back on other purchases
- Annual fee: $0
- Intro APR: 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
- Regular APR: 18.24% – 28.24% Variable APR on purchases and balance transfers