Is the Bank of America Customized Cash Rewards worth a spot in your wallet?

The honest math on the Bank of America Customized Cash Rewards: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.

Bank of America · No annual fee · cash back

Earning rates

3x Choice category (pick one, changeable monthly) (3% on the first $2,500 in combined choice-category + grocery/wholesale-club purchases per quarter (~$10,000/yr), then 1%)
2x Grocery stores & wholesale clubs (automatic) (2% on the first $2,500 in combined grocery/wholesale-club + choice-category purchases per quarter (~$10,000/yr), then 1%)
1x Everything else

Protections and perks (1)

Extended Warranty — Doubles the manufacturer's U.S. warranty by up to one extra year on eligible warranties of 3 years or less.

Card data verified against Bank of America on 2026-08-21.

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