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Our Detailed Review of This Card

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The – $200 Cash Rewards Offer not only earns generous rewards on the category of your choice (yes, you can really customize your rewards!), but it also offers a cash back bonus opportunity, has no annual fee, charges no interest for a over a year and is available to those with good to excellent credit for approval (usually considered a credit score of 700 or higher).

First, you’ll earn a — that’s like earning 20% back on the first $1,000 you spend! Note that you must apply for this card online to receive the cash back bonus.

Next, you’ll earn N/A cash back on the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, then it’s 1%). The 6 categories to choose from include (1) gas, (2) online shopping, (3) dining, (4) travel, (5) drug stores as well as (6) home improvement and furnishings. While some other cards offer similar “custom” rewards, these rewards can usually be changed once per year or once per quarter. That’s where the really stands out, as it allows cardholders to change their N/A cash back category every month! We can’t emphasize enough how unique this card is, as it allows you to truly adjust your rewards based on your spending. For example, you can set your N/A category to travel when you plan to book an upcoming vacation, then change it to online shopping during the holiday season. We’ve never seen a card with this level of monthly rewards flexibility before.

On top of that, cardholders will earn N/A cash back at grocery stores and wholesale clubs for up to $2,500 in combined category of your choice, wholesale club and grocery store purchases each quarter, then it’s 1% back. All other purchases earn N/A cash back.

As if that isn’t enough, the also lets cardholders save money with a N/A as well as a N/A (note that there’s a balance transfer fee of either $10 or 3% of each transaction, whichever is greater), then a N/A will apply.

This card is also great for Bank of America® customers, as it offers a bonus ranging from 25% to 75% (depending on your account status) to Bank of America Preferred Rewards Gold, Platinum or Platinum Honors members. For Platinum Honors members, that means the N/A choice category would earn 5.25% back and the N/A at grocery stores and wholesale clubs would go up to 3.5%. The quarterly max will still apply to those categories, but the 1% for all other purchases would be an uncapped 1.75%!

Overall, this is a terrific card for anyone who wants to earn significant and customizable cash back rewards and a bonus, and it comes with the added perk of earning N/A cash back on the category of your choice and N/A back at wholesale clubs and grocery stores. Additionally, you can take advantage of the intro APR on purchases and balance transfers, which is a nice added perk.


  • Earn a .
  • Earn N/A on the category of your choice, including (1) gas, (2) online shopping, (3) dining, (4) travel, (5) drug stores as well as (6) home improvement and furnishing.
  • N/A.
  • N/A.
  • Preferred Rewards members get a 25%-75% rewards bonus on every purchase, depending on account status.

Redeem Rewards

  • Redeem as a statement credit, a check, or an electronic deposit to a Bank of America checking or savings account.

Fees and APR

  • Annual Fee: N/A.
  • Purchase APR: N/A, then N/A, depending on credit history.
  • Balance Transfer APR: N/A, then N/A balance transfers, depending on credit history.
  • Balance Transfer Fee: N/A
  • Foreign Transaction Fee: N/A of the transaction amount.
  • Penalty APR: N/A.

Updated: March 3, 2020

This card currently does not have any offers associated with it.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.