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Best of Bank of America Cash Rewards Credit Cards
Bank of America's cash rewards lineup splits cleanly into two camps: flexible category cards like the , where you earn elevated cash back in the category of your choice, and flat-rate cards like the , which earns . BofA Rewards™ members can earn a 10% to 75% bonus on rewards with eligible cards, making Bank of America one of the highest effective cash back issuers for existing banking customers.
About Bank of America Cash Rewards Cards:
The is the standout for most households. Being able to change your bonus category once per month—gas, online shopping, dining, travel, drug stores, or home improvement—means you can align rewards with seasonal spending. Earn .
If you prefer to set it and forget it, the is simpler and has no quarterly cap. Pair either card with the BofA Rewards™ program, and earn rates can increase by 10% to 75% for Bank of America and Merrill customers.
Frequently Asked Questions:
Which Bank of America card has the best cash back rate?
For category spending, the offers .
How often can I change my category on the ?
You can change your category choice once per calendar month through online or mobile banking. If you don't make a change, the previous month's selection carries over automatically.
Is there a cap on Bank of America cash back rewards?
Yes, the and the have caps. Each card earns .
Do Bank of America cash rewards expire?
No. Cash rewards earned on Bank of America credit cards do not expire as long as your account remains open and in good standing. You can redeem for statement credit, direct deposit, or check at any amount.
Can I combine cash rewards across multiple Bank of America cards?
Rewards are tracked per card, but you can redeem them separately into the same Bank of America checking or savings account. BofA Rewards™ bonuses apply independently to each card you hold.
