I Write About Credit Cards Every Day. Why I Love My Bank of America® Customized Cash Rewards Credit Card

The author has used the Bank of America® Customized Cash Rewards credit card for over 20 years, praising its flexible cashback rewards structure. The card offers 3% cash back on online purchases, cable, streaming, and phone plans; 2% on groceries; and 1% on other purchases, with a $2,500 quarterly cap on higher-tier rewards. It allows monthly category changes and a 6% introductory cashback rate for the first year. The card has no annual fee but has minor drawbacks like reward caps.