Best Cash Back Bonus Card of 2021

Bottom Line:

  • $200 online sign-up bonus offer.
  • NEW 3% cash back on online shopping, drug stores, travel, dining, home improvement and furniture, or gas. Up to 5.25% for Preferred Rewards clients.
  • Best Intro APR - Stop thinking about interest for over a year.
  • No annual fee.


(1,261 reviews)

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The Bank of America® Customized Cash Rewards credit card’s $200 bonus offer and 3% cash back is one of the best deals I’ve seen in my years of writing about credit cards.

If you sign up online today you can receive a $200 online cash bonus after spending only $1,000 in the first 90 days of opening the account — that’s like earning 20% back on the first $1,000!

Looking to make a big purchase? This card's long intro period will save you a bundle. It's like taking a 15 month vacation from paying interest.

The card offers an insane 3% cash back on your choice of six categories and 2% 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.

The 3% categories you can choose from include:

Online Shopping
Drug Stores
Home Improvement

You choose the category you want to earn 3% cash back in – which is pretty incredible – but what's even better is that you can change the category once per calendar month depending on what's going on in your life.

The 3% for online shopping is the best in the industry. I already have this credit card and I love getting 3% back each time I shop online.

I also like the 3% back for drugstores, which is perfect for families that buy a lot of household goods and medication. Around summer time I’ll be taking advantage of the 3% gas for road trips and travel bookings.

Who Should Get This Card

Bank of America Customized Cash Rewards is a great fit for most people — who doesn’t love a $200 bonus, 0% interest for over a year, and no annual fee?

The high 3% cash back on online shopping, drug stores, dining, travel, furniture, or gas is unheard of for a no annual fee credit card. Bank of America Customized Cash Rewards pretty much blows its leading competitors out of the water.

This is why I’ve personally been using this card for years and recommend it to all my friends. This combination of features is too good to pass up.