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Credit Cards With Big Cash Back and Bonuses
Plus Pay no Interest Until 2026
Bank of America® Customized Cash Rewards
- $200 online bonus offer.
- 3% cash back on online shopping, drug stores, travel, dining, home improvement and furniture, or gas. Up to 5.25% for Preferred Rewards clients.
- Long Intro APR - Stop thinking about interest for over a year.
- No annual fee.
The Bank of America® Customized Cash Rewards credit card's $200 bonus offer and 3% cash back is an exceptional deal.
If you apply online today you can receive a $200 online cash bonus after spending only $1,000 in the first 90 days of opening the account - that's like earning 20% back on the first $1,000!
The long Intro APR period on purchases and balance transfers is great for financing big purchases — it's like taking a 15 month vacation from paying interest.
The card offers an incredible 3% cash back on your choice of six categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases:
- Online Shopping (including Cable, Streaming, Internet and Phone Services)
- Drug Stores
- Dining
- Travel
- Gas (including Electric Vehicle Charging (EVC) Stations)
- Home Improvement
| Online Shopping | Drug Stores | Dining |
| Travel | Gas | Home Improvement |
You choose the category you want to get 3% cash back for, and it stays on that category until you change it. Unlike some other high cash back cards, there is no monthly activation required, and the categories don’t rotate. You can change the category once per calendar month.
The 3% for online shopping is a top-notch feature. It applies to all online retailers.
The 3% back for drugstores is perfect for purchasing medication and household goods. The 3% gas is great for road trips, travel bookings, and commuting.
Up to 5.25% Cash Back
Bank of America’s Preferred Rewards clients earn an extra 25%-75% bonus rewards. Imagine getting up to 5.25% cash back on on your choice of six categories, and at least 1.75% on all other purchases.
Bottom Line:
Bank of America Customized Cash Rewards is a fantastic deal — who doesn’t love a $200 bonus, intro APR for over a year, and no annual fee?
The high 3% cash back on online shopping, drug stores, dining, travel, furniture, or gas is quite exceptional for a no annual fee credit card. Bank of America Customized Cash Rewards is truly a phenomenal value.
That's why you might notice more people carrying this card. This combination of features is too good to pass up.
- $200 online bonus offer.
- 3% cash back on online shopping, drug stores, travel, dining, home improvement and furniture, or gas. Up to 5.25% for Preferred Rewards clients.
- Intro APR - Stop thinking about interest for over a year.
- No annual fee.
Remember: credit card companies adjust their offers from time to time, so these tempting deals might not be available forever. Each time you spend money without using a cash back credit card, you miss out on valuable cash back and rewards. Of course, many of you may already be familiar with the benefits of cash back credit cards; some of you may even have the Bank of America Customized Cash Rewards card in your wallet. In that case, here are some other types of credit cards that might interest you.
The Backup Option
Bank of America’s Customized Cash Rewards card has a great bonus offer as well as high cash rewards. However, if you already have that card here’s a backup option: Capital One Quicksilver Rewards Card. Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening, and unlimited 1.5% cash back on every purchase. Like the Bank of America's Customized Cash Rewards card, there is no annual fee.
Poor or Rebuilding Credit
Poor or Rebuilding Credit Rates & Fees
The Discover it® Secured credit card is a secured card that requires the cardmember to secure the account with a deposit equal to the account's credit limit. This type of credit card enables individuals with poor or no credit to build up their credit history. High paying reward credit cards, such as the Bank of America card with $200 bonuses mentioned above, don't require deposits. However, they do require excellent credit. The Discover it Secured credit card doesn't require good credit, but the security deposit requirement might limit your spending limit. On the plus side Discover it® Secured credit card offers a little bit of cash back on purchases, which is not a common feature on secured cards. More importantly, this card will report your payment history to the three major credit bureaus, which helps with building credit history.
College Student Credit Card
College Student Credit Card Rates & Fees
It is hard for college students to get high bonus credit cards because students often have no credit history. The credit reporting system known as FICO simply doesn’t have enough historical data from the college students to make a good determination. That’s why credit cards designed specifically for college students usually offer limited rewards and lower credit limits. The Discover it® Student Cash Back is a good student credit card because it allows college students to earn decent rewards while building their credit history. Discover also offers college students the ability to view their FICO Score for free from their website or the Discover app.
Bottom Line: Deal Too Good to Pass Up
The Bank of America® Customized Cash Rewards credit card's $200 bonus offer and 3% cash back is a fantastic deal.
If you apply online today you can receive a $200 online cash bonus after spending only $1,000 in the first 90 days of opening the account - that's like earning 20% back on the first $1,000!
- $200 online bonus offer.
- NEW 3% cash back on online shopping, drug stores, travel, dining, home improvement and furniture, or gas. Up to 5.25% for Preferred Rewards clients.
- Best Intro APR - Stop thinking about interest for over a year.
- No annual fee.