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Last fact checked: Sep. 19, 2026

Best of Bank of America Cash Rewards Credit Cards

Bank of America's cash rewards lineup splits cleanly into two camps: flexible category cards like the Bank of America® Customized Cash Rewards credit card, where you earn elevated cash back in the category of your choice, and flat-rate cards like the Bank of America® Unlimited Cash Rewards credit card, which earns 1.5% cash back on all purchases. BofA Rewards™ members can earn a 10% to 75% bonus on rewards with eligible cards, making Bank of America one of the highest effective cash back issuers for existing banking customers.

Bank of America Categories
All CardsCash RewardsTravelNo Annual FeeStudentBusiness

Bank of America® Unlimited Cash Rewards credit card

5.0
CompareCredit Score

on Bank of America's secure site

  • Earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 1.5% cash back on all purchases
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
  • $0
  • Excellent/Good
  • Visa®
  • Select to apply online
  • Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • No annual fee.
  • Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Unlimited Cash Rewards credit card

More Info

Bank of America® Customized Cash Rewards credit card

5.0
CompareCredit Score

on Bank of America's secure site

  • Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
  • $0
  • Excellent, Good
  • Visa®
  • Select to apply online
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Customized Cash Rewards credit card

More Info

Bank of America® Premium Rewards® credit card

4.0
CompareCredit Score

on Bank of America's secure site

  • 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening
  • 2 points for every $1 spent on travel and dining purchases, and 1.5 points for every $1 spent on all other purchases
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits
  • $95
  • Excellent, Good
  • Visa®
  • Select to apply online
  • Low $95 annual fee.
  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • Turn daily purchases into everyday wins. Simply use your Premium Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at BofA Travel.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Premium Rewards® credit card

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Bank of America® Customized Cash Rewards credit card for Students

5.0
CompareCredit Score

on Bank of America's secure site

  • Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
  • $0
  • Excellent/Good
  • Visa®
  • Select to apply online
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Customized Cash Rewards credit card for Students

More Info

Bank of America® Unlimited Cash Rewards credit card for Students

4.0
CompareCredit Score

on Bank of America's secure site

  • Earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn unlimited 1.5% cash back on all purchases
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
  • $0
  • Excellent/Good
  • Visa®
  • Select to apply online
  • Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • No annual fee.
  • Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Unlimited Cash Rewards credit card for Students

More Info

About Bank of America Cash Rewards Cards:

The Bank of America® Customized Cash Rewards credit card is the standout for most households. Being able to change your bonus category once per month—gas, online shopping, dining, travel, drug stores, or home improvement—means you can align rewards with seasonal spending. Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

If you prefer to set it and forget it, the Bank of America® Unlimited Cash Rewards credit card is simpler and has no quarterly cap. Pair either card with the BofA Rewards™ program, and earn rates can increase by 10% to 75% for Bank of America and Merrill customers.

Frequently Asked Questions:

Which Bank of America card has the best cash back rate?
For category spending, the Bank of America® Customized Cash Rewards credit card offers 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

How often can I change my category on the Bank of America® Customized Cash Rewards credit card?
You can change your category choice once per calendar month through online or mobile banking. If you don't make a change, the previous month's selection carries over automatically.

Is there a cap on Bank of America cash back rewards?
Yes, the Bank of America® Customized Cash Rewards credit card and the Bank of America® Customized Cash Rewards credit card for Students have caps. Each card earns 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Do Bank of America cash rewards expire?
No. Cash rewards earned on Bank of America credit cards do not expire as long as your account remains open and in good standing. You can redeem for statement credit, direct deposit, or check at any amount.

Can I combine cash rewards across multiple Bank of America cards?
Rewards are tracked per card, but you can redeem them separately into the same Bank of America checking or savings account. BofA Rewards™ bonuses apply independently to each card you hold.