Looking for a credit card that offers not only top cash back rewards, but lets you customize where you earn your bonus rewards?

Then say hello to Bank Of America’s Cash Rewards credit card lineup. Offering high cash back rewards for no annual fee – plus there’s a twist involved in where you can earn bonus cash back.

Here’s everything you need to know about these credit cards.

Bank Of America Cash Rewards credit cards

Bank of America actually offers 7 cash back credit cards that have no annual fee:

  • .

And while they all have different appearances, the main features between them all are the same – including how you earn cash back, and not having an annual fee.

Earning Bank Of America cash rewards

So how do you actually earn cash back with these cards? You’ll earn bonus cash back on a variety of categories:

  • 3% cash back on a category of your choice,
  • 2% cash back at grocery stores and wholesale clubs, and
  • 1% cash back on all other purchases.

Just note that you’ll only earn the bonus earn rates on the first $2,500 in spend per quarter ($833 per month), after which you’ll earn 1% on those purchases.

To top it off, there’s a great cash back welcome offer. You’ll earn $200 bonus cash back when you spend $1,000 in the first 90 days.

Bank Of America cash back rewards categories

So what categories can you choose from to earn 3%? There’s a wide list of categories to choose from:

  • gas,
  • online shopping,
  • restaurants,
  • travel,
  • drug stores, and
  • home improvement and furnishings.

And you’re not stuck with a category once you’ve chosen it. You can change your selected category every month. Just note that your change takes effect the following month, and won’t have an impact on your immediate purchases.

You can learn more about choosing your category here.

Bank Of America Cash Rewards credit cards foreign transaction fee

Looking to use one of these cards on purchases not made in U.S. dollars? These cards charge the standard foreign transaction fee of 3%, so you won’t be able to save any extra on these purchases.

Bank of America Cash Rewards

So what are the differences between these 7 cards? They’re minor, but add a little extra value. You also get to choose whether you want a Mastercard or Visa.

The standard card in the BOA cash back family is the . This card doesn’t offer any extra benefits.

MLB Credit Card

Want to support your favorite baseball team? The lets you choose your favorite MLB team’s logo to appear on your credit card. All 30 teams are available, as well as the MLB logo.

Susan G. Komen Cash Rewards Visa credit card from Bank of America

The has a very interesting perk. During the first 90 days your account stays open, Bank Of America donates $3 plus 0.08% of all retail purchases to the Susan G. Komen foundation.

Every year you renew your card, the foundation receives $3. It’s an easy way to contribute to the fight against breast cancer.

World Wildlife Fund Credit Card

Want to make some contributions to the World Wildlife Fund? Bank Of America makes contributions to the WWF when you have the .

During the first 90 days of account opening, the WWF receives $3 plus 0.08% on all net retail purchases made to the card. And every year you renew the card, the WWF receives $3.

U.S. Pride BankAmericard Cash Rewards Visa

Looking to show off your U.S. Pride? The has a unique design that features a bald eagle over an American flag.

Other than the design, there’s no other extra features to this card.

Bank of America Cash Rewards Secured

There’s even a secured version of this card, the . If you have very poor credit and want to start rebuilding it, this credit card has near automatic approval, will let you earn rewards, all while improving your credit score.

This card, however, doesn’t include a bonus cash back welcome offer.

Related: Credit Cards For Bad Credit – Get Help Repairing Your Credit

Bank of America Cash Rewards Credit Card for Students

Are you a student? The offers all the same rewards, but has approval requirements that students can meet.

Related: I’m A Student With No Credit. What Are The Best Credit Cards For Me?

Alternatives to consider

So what are some alternatives to Bank Of America’s Cash Rewards cards?

Here are some alternatives to consider, all of which would also make for a great pairing with any of these Bank Of America cards. Simply set your Bank Of America bonus category to something one of these cards doesn’t offer bonus rewards for, and you’ll easily maximize your cash back.

Amex Blue Cash Everyday

Another no fee card that offers bonus rewards on gas and groceries is the .

With this card, you’ll earn:

  • 3% cash back on groceries (up to $6,000 spent annually),
  • 2% cash back on gas and at select U.S. department stores, and
  • 1% cash back on all other purchases.

Related: Amex Blue Cash Cards: Top Cash Back Cards For Groceries

Discover it Cash Back

The offers high rewards on a rotating category basis. You can earn up to 5% cash back on your purchases:

  • 5% cash back on rotating categories ($2,500 per quarter), and
  • 1% cash back on all other purchases.

The categories for earning 5% cash back change every quarter. Here’s the schedule of where you’ll earn 5% back with this card throughout the year.

Discover it Cash Back rotating categories

Citi Double Cash

Want to just keep things simple? The could be for you.

You’ll earn 2% cash back on every purchase – but there’s a small twist. You earn 1% cash back on all your purchases, and another 1% when you go to pay your bill. You’ll be rewarded just for paying your bill on time.


There’s a lot to like with Bank Of America’s Cash Rewards credit cards.

You get to pick between whether you want a Visa or Mastercard, and if there’s any special features you may want.

What are your thoughts on these credit cards?

Let us know in the comments below.

FAQ for Bank Of American Cash Rewards credit cards

Here are some questions we’ve been asked about these cards.

How many different cash rewards credit cards does Bank Of America offer?

Bank Of America offers 7 different versions of their Cash Rewards credit cards. Each one has the same earn rate and no annual fee, but has slightly different features or approval requirements.

Do Bank Of America Cash Rewards credit cards charge foreign exchange fees?

Yes, Bank Of America credit cards charge the typical foreign exchange fee of 3%.

Is there a student version available?

Yes, the Bank of America Cash Rewards for Students card is an identical version with approval for students.