Card economics
Bank of America Customized Cash
Results use the card's ongoing rewards. A temporary first-year 6% promotion is not modeled, so recommendations remain useful for a long-term setup. Rates shown are also before any BofA Rewards relationship bonus (a 10%, 25%, 50% or 75% increase in card rewards depending on your combined Bank of America and Merrill balance; the lowest tier needs only a Bank of America checking account), which is not modeled in the card's earn rates.
Annual fee
No annual fee
Foreign transaction fee
3%
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Everything else | 1%Base rate |
Special rules
Shared category cap
Choose 1: 3% — Gas & EV Charging Stations: Gas stations (excluding Costco Gas) + EV Charging; 3% — Travel: Flights outside issuer portals + Delta Airfare + United Airfare + Southwest Airfare + Hotels outside issuer portals + Hilton Properties + Marriott Properties + Hyatt Properties + IHG Properties + Other travel outside issuer portals + Travel - Vacation Homes + Travel - Car Rentals / Agencies / Cruises + Tours & Activities (booked direct) + Transit; 3% — Online Shopping: Online retail + Amazon + Internet / cable + Wireless / cell phone + Streaming; 3% — Dining: Dining + Fast Food; 3% — Home Improvement & Furnishings: Home Improvement + Home Furnishings (Bank of America category); 3% — Drugstores. 2% automatic: Groceries — in store, Groceries — online, Whole Foods, Warehouse Clubs, Costco / Costco.com. Shared cap: $2,500/quarter. Non-bonus spend earns 1%.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Bank of America Customized Cash might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.