Best 3% Cash Back Credit Card
3% Cash Back on Purchases of Your Choice + 2% on Groceries + $200 Bonus
Bank of America Customized Cash Rewards Credit Card is offering $200 bonus cash back. It also offers 3% cash back on purchases in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% back at grocery stores and wholesale clubs, such as Costco, Sam’s Club, and BJ’s. It has no annual fee.
You can receive up to 75% bonus on your rewards by having qualifying bank account balances with Bank of America, which may increase your cash rewards to 5.25% on the your preferred spending category, 3.5% at grocery stores and wholesale clubs, and 1.75% on everything else.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 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.
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 15 billing cycles
- Regular APR
- 14.24% - 24.24% Variable APR on purchases and balance transfers
- Annual Fee
Alternative Cash Rewards Credit Cards
If you are interested in Bank of America Customized Cash Rewards Credit Card, you may also consider a few other credit cards with similar benefits.
|Credit Card||Bonus and Rewards||Annual Fee|
|Citi Premier® Card||60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com3 Points per $1 spent at Restaurants and Supermarkets3 Points per $1 spent at Gas Stations, Air Travel and Hotels1 Point per $1 spent on all other purchases||$95|
|Wells Fargo Active Cash® Card||$200 cash rewards bonus after spending $1,000 in purchases in the first 3 monthsUnlimited 2% cash rewards on purchases||$0|
|Bank of America® Unlimited Cash Rewards credit card||$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.Unlimited 1.5% cash back on all purchases.If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase.||$0|
|Citi Custom Cash℠ Card||$200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.||$0|
|Citi Rewards+® Card||20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.||$0|
|Blue Cash Everyday® Card from American Express||$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).2% Cash Back at U.S. gas stations.1% Cash Back on other purchases.||$0|
|American Express Blue Business Cash™ Card||$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.||$0|
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