Bank of America Customized Cash Rewards review
A strong pick if you spend a lot on online shopping and drugstores, where it's among the top three of the 106 cards we track.
- Updated October 16, 2026
- $0 annual fee
- Earns Cash back
- 106 cards compared
Who it suits
Bank of America Customized Cash Rewards
- #1 of 106 for online shopping: $3.00 back on $100 (3%). The bonus rate covers up to $2,500 of spend a quarter.
- #3 of 106 for drugstores: $3.00 back on $100 (3%). The bonus rate covers up to $2,500 of spend a quarter.
- No annual fee, so it earns from the first dollar.
Rates change, so verify them with the issuer before you apply.
Card details at Bank of America See if it beats your cards on online shoppingWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $3.00 3% | #20 of 106 |
| Groceries | $2.00 2% | #38 of 106 |
| Gas | $3.00 3% | #9 of 106 |
| Travel | $3.00 3% | #5 of 106 |
| Airfare | $3.00 3% | #13 of 106 |
| Hotels | $3.00 3% | #10 of 106 |
| Transit | $3.00 3% | #9 of 106 |
| Streaming | $3.00 3% | #5 of 106 |
| Drugstores | $3.00 3% | #3 of 106 |
| Online shopping | $3.00 3% | #1 of 106 |
| Wholesale clubs | $2.00 2% | #12 of 106 |
| Everything else | $1.00 1% | #78 of 106 |