Get to know the Bank of America Cash Rewards card

The Bank of America® Cash Rewards Credit Card is built for flexibility and everyday value. Whether you’re spending on groceries, gas, or online shopping, this card helps turn your purchases into real rewards—with no annual fee and plenty of ways to earn.

✅ Top Benefits at a Glance

• 2% automatic cash back at grocery stores and wholesale clubs

• No annual fee—ever

• 28.24% variable APR

• Earn up to 6% cash back in a category you choose

• 1% cash back on all other purchases

💰 How the Rewards Work

With this card, you get the power to customize your earnings. Choose one of several everyday spending categories—like gas, dining, travel, or online shopping—and earn:

• 🏆 3% cash back in your chosen category

• 🎁 Plus, a 3% bonus in your first year, totaling 6% cash back

• 🛒 2% back at grocery stores and wholesale clubs

• 💳 1% back on all other purchases

These rates apply to the first $2,500 in combined purchases each quarter across the 3% and 2% categories. After that, all purchases earn 1% cash back.

You can easily switch your 3% category anytime through the Bank of America website or mobile app—so your rewards stay aligned with your current needs.

🌟 Why We Recommend This Card

If you’re looking for a smart way to build credit while maximizing rewards, this card hits the sweet spot. It’s:

• 💵 Flexible—adaptable to your lifestyle and spending habits

• 📲 Easy to manage with online tools and mobile access

• 🧾 Simple—with no annual fee and straightforward reward tiers

🧍‍♂️ Who’s Eligible to Apply?

To qualify for the Bank of America Cash Rewards Card, you’ll need:

• ✅ To be at least 18 years old

• ✅ A good credit score (690 or higher recommended)

• ✅ A stable annual income

Bottom line? This card makes it easier to earn more on what matters most to you—whether that’s filling up the tank, shopping online, or grabbing dinner out. It’s a great choice for anyone seeking flexible rewards and everyday value.