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- Ample bonus spending categories
- No annual fee
- Sign-up bonus
- Bonus spending categories capped at $2,500 in combined quarterly purchases
Secure application on issuer’s website
Bank of America® Customized Cash Rewards Credit Card
The Bank of America® Customized Cash Rewards card is a good cash back card for people who don't spend a lot each month. It has flexibility with the 3% cash back on the category of your choice (choose between gas, online shopping, dining, travel, drugstores or home improvement and furnishing), and you can change which one you go with each month. Since it's a Visa card you can also use it at Costco and get 2% back, which is the rate for wholesale clubs and grocery stores. However, once you've spent $2,500 in purchases combined between the 3% and 2% categories, you only get 1% back after that.