Last updated: Jun 2026
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Bank of America® Customized Cash Rewards Credit Card
5.0
BestMoneyscore
Bank of America® Customized Cash Rewards Credit Card
5.0
BestMoneyscore
Recommended Credit Score:
670-850 (Good to Excellent)
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now
on Bank of America's application
Welcome Bonus
$200 cash rewards bonus offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards Rate
1%-6%
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Annual Fee
$0
Regular APR
17.49%-27.49% Variable
Balance Transfer Intro APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Purchase Intro APR
0% Intro APR for 15 billing cycles for purchases
Rewards Breakdown
6%
Earn 6% cash back for the first year in the category of your choice.
3%
Earn 3% cash back after the first year from account opening in your choice category.
2%
Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
1%
Earn 1% cash back on all other purchases.
Card Details
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Why We Like It
Pros:
No annual fee
Ability to change bonus category each month
Cons:
Quarterly caps for bonus rewards
Best rewards exclusively for Preferred Rewards members
Bottom line:
The Bank of America® Customized Cash Rewards is a good option for people who want rewards without paying an annual fee.Bank of America® Travel Rewards Credit Card
4.8
BestMoneyscore
Bank of America® Travel Rewards Credit Card
4.8
BestMoneyscore
Recommended Credit Score:
670-850 (Good to Excellent)
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now
on Bank of America's application
Welcome Bonus
25,000 points offer
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Rewards Rate
1.5x-3x
Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Annual Fee
$0
Regular APR
17.49%-27.49% Variable
Balance Transfer Intro APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Purchase Intro APR
0% Intro APR for 15 billing cycles for purchases
Rewards Breakdown
3X
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
1.5X
Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
Card Details
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Why We Like It
Pros:
No annual or foreign transaction fee
Generous intro APR and welcome bonus
Cons:
No bonus categories to increase rewards
Best rewards require a Preferred Rewards membership
Bottom line:
The Bank of America® Travel Rewards is a solid choice to earn points with every purchase, without an annual fee.Bank of America® Premium Rewards® Credit Card
4.7
BestMoneyscore
Bank of America® Premium Rewards® Credit Card
4.7
BestMoneyscore
Recommended Credit Score:
670-850 (Good to Excellent)
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now
on Bank of America's application
Welcome Bonus
60,000 points offer
Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
Rewards Rate
1.5x-2x
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
Annual Fee
$95
Regular APR
19.49%-27.49% Variable
Balance Transfer Intro APR
N/A
Purchase Intro APR
N/A
Rewards Breakdown
2x
Earn unlimited 2 points for every $1 spent on travel and dining purchases.
1.5x
Earn unlimited 1.5 points for every $1 spent on all other purchases.
Card Details
Low $95 annual fee.
Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
No foreign transaction fees.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Why We Like It
Pros:
2x earning rate on travel and dining
Sign-up bonus
Cons:
Annual fee
Best rewards reserved for specific customers
Bottom line:
The Bank of America® Premium Rewards® credit card has a good rewards rate on travel and dining with no limit on earnings.Bank of America® Unlimited Cash Rewards Credit Card
4.5
BestMoneyscore
Bank of America® Unlimited Cash Rewards Credit Card
4.5
BestMoneyscore
Recommended Credit Score:
670-850 (Good to Excellent)
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now
on Bank of America's application
Welcome Bonus
$200 cash rewards bonus offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards Rate
1.5%-2%
Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
Annual Fee
$0
Regular APR
17.49%-27.49% Variable
Balance Transfer Intro APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Purchase Intro APR
0% Intro APR for 15 billing cycles for purchases
Rewards Breakdown
2%
Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
1.5%
Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
Card Details
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
No annual fee.
Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Why We Like It
Pros:
Unlimited cash back on all purchases
No annual fee
Cons:
Balance transfer fee
No bonus cashback categories
Bottom line:
A no-annual-fee card that gives you unlimited 1.5% cash back on everything.Aven Rewards Visa® Credit Card
4.4
BestMoneyscore
Aven Rewards Visa® Credit Card
4.4
BestMoneyscore
Recommended Credit Score:
680–850 (Good to Excellent)
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Welcome Bonus
N/A
Rewards Rate
2%–3%
Earn 3% cash back on purchases on up to your first $10,000 in spending each year, then unlimited 2% cash back on all purchases thereafter.
Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289
Annual Fee
$0
Regular APR
17.99%–27.99% Variable
Balance Transfer Intro APR
N/A
Purchase Intro APR
N/A
In A Nutshell
Aven Rewards Visa® Credit Card is a $0-annual-fee cash-back card that keeps things simple: earn 3% cash back on up to $10,000 in purchases each year, then 2% unlimited after that, with a premium metal-card feel and a modern app experience. It’s a strong everyday pick if you want high, straightforward rewards without juggling categories—just note there’s no traditional welcome bonus.
Card Details
$0 Annual Fee
3% Cash Back on Everything Up to $10,000, Every Year
2% Unlimited Cash Back on All Purchases
Rates as low as 17.99%
No Foreign Transaction Fees
Why We Like It
Pros:
No annual fee
Straightforward 2%–3% cash back
No rotating categories or activation required
High value for everyday spending with a simple rewards structure
Cons:
No traditional welcome bonus
Top rewards rate is capped at $10,000 in annual spend before dropping to 2%
Requires fair-to-excellent credit