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Bank of America Customized Cash Rewards Guide

📊120 community entries

Msi

USA

Online

Date

2026-04-10

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.msi.com

Reward Details

Amount

Earning Rate

2500 USD3.75% Cash Back (With Bonus Earning)

Rewards

93.75 USD

GroceryOnline Shopping

Date

2026-03-18

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.yamibuy.com/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online Shopping

Date

2026-03-16

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.fandango.com/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online Shopping

Date

2026-03-02

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online Shopping

Date

2026-02-16

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://porkbun.com/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Weee

USA

GroceryOnline Shopping

Date

2026-02-15

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online ShoppingTravel

Date

2026-02-02

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online ShoppingTravel

Date

2026-02-02

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online ShoppingTravel

Date

2026-02-02

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Weee

USA

GroceryOnline Shopping

Date

2026-02-01

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD2% Cash Back

Rewards

2 USD

Online Shopping

Date

2026-01-21

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.snaplii.com/us/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Travel

Date

2026-01-20

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Online ShoppingTravel

Date

2026-01-19

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Uber

USA

Online Shopping

Date

2026-01-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Online Shopping

Date

2026-01-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Online Shopping

Date

2026-01-02

Giftcard Purchased

Costco shop cash

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Lyft

USA

Online Shopping

Date

2026-01-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Online Shopping

Date

2026-01-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Online Shopping

Date

2026-01-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Online Shopping

Date

2026-01-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Travel

Date

2025-12-18

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.costcotravel.com/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online ShoppingTravel

Date

2025-12-15

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.costcotravel.com/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online Shopping

Date

2025-12-15

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

IHG

USA

Online Shopping

Date

2025-12-03

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.ihg.com

Reward Details

Amount

Earning Rate

500 USD5.25% Cash Back (With Bonus Earning)

Rewards

26.25 USD

Online Shopping

Date

2025-12-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://plus.espn.com/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Weee

USA

GroceryOnline Shopping

Date

2025-11-25

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online Shopping

Date

2025-11-14

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.att.com

Reward Details

Amount

Earning Rate

100 USD6% Cash Back (With Bonus Earning)

Rewards

6 USD

Dining

Date

2025-10-15

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.starbucks.com

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Online Shopping

Date

2025-10-15

Giftcard Purchased

Costco

Purchase Type

🌐

Online Purchase

https://www.costco.com/costco-shop-card

Reward Details

Amount

Earning Rate

300 USD5.25% Cash Back (With Bonus Earning)

Rewards

15.75 USD

Online Shopping

Date

2025-10-12

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.verizon.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Page 1 of 4

Quick Rewards Guide for Bank of America Customized Cash Rewards

💡 Primary Spending Category: The community most frequently reports using the Bank of America Customized Cash Rewards for "Online Shopping" transactions as well as for "Online Shopping, Travel & Grocery, Online Shopping".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 6% cash back on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Msi, Yamibuy, Fandango, Porkbun. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Customized Cash Rewards for?

Based on verified community transactions, the Bank of America Customized Cash Rewards yields the best return when used for "Online Shopping" transactions, followed closely by "Online Shopping, Travel, Grocery, Online Shopping".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.