Bank of America Customized Cash
Choose your 3% category each month — no rotation needed.
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5-year value calculator
How much Bank of America Customized Cash actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
$200 cash rewards after $1,000 spend in 90 days
What you get
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Bank of America Customized Cash
The SaaS subscriptions where Bank of America Customized Cash earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,22,400/yr.
Greenhouse
Bank of America Customized Cash pays 1% rewards on Greenhouse.
Drift
Bank of America Customized Cash pays 1% rewards on Drift.
Vanta
Bank of America Customized Cash pays 1% rewards on Vanta.
Drata
Bank of America Customized Cash pays 1% rewards on Drata.
Trello
3% rewards on productivity category — better than the 1% default.
PostHog
3% rewards on marketing category — better than the 1% default.
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