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Bank of America® Customized Cash Rewards credit card review: Unique rewards flexibility, but watch your spending

You know your spending habits the best, so this card puts you in the driver’s seat when it comes to your highest earnings.

 /  12 min
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Snapshot

4.1

Bankrate rating
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Rating: 4.1 stars out of 5

Bottom line

Cards where you can select your bonus categories are becoming more popular, and the Bank of America Customized Cash Rewards credit card is one of the most flexible and rewarding choice category cards, especially for Bank of America Preferred Rewards® members. But the quarterly spending limit could be a bit low for many cardholders.

Best for wholesale club rewards

Recommended credit score:(670 - 850)
Apply nowLock
on Bank of America's secure site

Intro offer

$200

Rewards rate

1% - 3%

Annual fee

$0

Regular APR

18.74% - 28.74% Variable APR on purchases and balance transfers

4.1
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Bankrate Score

Rewards value

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3.3 / 5

APR

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3.0 / 5

Rewards flexibility

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2.3 / 5

Features

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3.0 / 5

Why you'll like this: It’s uniquely flexible. You can choose which bonus category earns a top rate each month, including gas, online shopping, travel and more.

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Bank of America® Customized Cash Rewards credit card overview

If you want a higher reward rate than what the standard 1.5 percent flat-rate cash back card offers, but need more consistency than a rotating bonus category card can give, you’re in luck.

The Bank of America Customized Cash Rewards credit card is one of the few cash back credit cards that allows you to pick your bonus cash back category. On top of that, you can also switch your choice once per calendar month, a feature that offers great flexibility and makes it easier to adjust to big purchases and unexpected expenses. Coupled with the card’s boosted cash back rate at grocery stores and wholesale clubs, choice categories can help you rake in plenty of earnings.

However, your boosted cash back categories share a $2,500 spending limit on combined purchases per quarter, after which your rewards rate drops to just to 1 percent cash back. This quarterly cap is more flexible than spending caps on other cash back cards, but it can be limiting for big spenders. 

  • Credit Card Cash Back Icon

    Rewards

    • 3 percent cash back on category purchases of choice, including gas (plus electric vehicle charging stations), online shopping (plus cable, streaming, internet and phone services), dining, travel, drugstore or home improvement
    • 2 percent cash back at grocery stores and wholesale clubs
    • Spending cap: up to $2,500 of combined 3 and 2 percent category purchases each quarter, then 1 percent
    • 1 percent on all other purchases

    Expert Appraisal: Exceptional
    See our expert analysis

  • Rewards Icon

    Welcome offer

    • $200 online cash rewards after spending $1,000 within the first 90 days of account opening

    Expert Appraisal: Typical
    See our expert analysis

  • Credit Card Apr Icon

    0% APR offer

    • 0% Intro APR for 15 billing cycles for purchases on purchases and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a 18.74% - 28.74% Variable APR on purchases and balance transfers will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
    • 18.74% - 28.74% Variable APR on purchases and balance transfers

    Expert Appraisal: Good
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • No annual fee
    • 3 percent foreign transaction fee
    • 3 percent balance transfer fee (for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.)

    Expert Appraisal: Typical
    See our expert analysis

  • Congrats Icon
    Other cardholder perks
    • Bank of America Preferred Rewards®
    • BankAmeriDeals 
    • Visa Signature benefits including Visa Signature® Concierge, roadside dispatch and travel and emergency assistance
    • Museums on Us 

    Expert Appraisal: Typical
    See our expert analysis

Bank of America Customized Cash pros and cons

Pros

  • Checkmark Icon

    You can swap your highest-earning category once per calendar month, adding to the power you have to match your rewards to your spending.

  • Checkmark Icon

    Bank of America Preferred Rewards® members can earn up to 75 percent more cash back on all purchases.

  • Checkmark Icon

    The card offers a generous intro APR period on purchases and balance transfers, so it's a great fit if you need to finance a purchase or pay off debt.

Cons

  • Your earnings might be limited by the quarterly spending cap.

  • Rival cards have potentially higher welcome offers or lower spending requirements.

  • This card has few noteworthy benefits other than the rewards program.

Why you might want the Bank of America Customized Cash

The Bank of America Customized Cash card stands out for the freedom it gives cardholders to choose where they earn the most. In addition, you’ll get some breathing room with interest thanks to competitive intro APR offers on both purchases and balance transfers.

Rewards: The power to choose 

The Customized Cash is one of the few cards available that lets you choose where you earn the highest rewards rate. You have six options, and all of them are fairly popular spending categories. You can easily tailor your card to match your spending habits, ensuring you get the most out of your cash back card.

The 3 percent cash back categories you can choose from are: 

  • Gas (including electric vehicle charging)
  • Online shopping (including Cable, Streaming, Internet and Phone services)
  • Dining
  • Travel
  • Drug stores
  • Home improvement/furnishings

Additionally, the Customized Cash earns 2 percent cash back at grocery stores and wholesale clubs, and 1 percent on all other purchases. It's rare to see wholesale clubs included in the grocery category, even for some of the best grocery store cards. But the Customized Cash does exclude superstores, although it doesn’t explicitly state which ones.

Your 3 percent and 2 percent cash back categories share a $2,500 quarterly spending cap, then reward rates drop to 1 percent. That’s about $833 per month in combined category spending before you hit the limit. Depending on your spending habits, this could cut into your earnings. However, it’s worth noting that competing cards have spending caps of $1,500 per quarter or $500 per month. While the Customized Cash Rewards card limits your cash back earnings, the ceiling is relatively high.

You can change your 3 percent category once per calendar month through the online banking portal or mobile app, giving you even more flexibility. If you don’t change it, your 3 percent category stays the same from the previous month. 

Intro APR: Competitive offers can help ward off interest 

This card’s intro APR offer length of 15 billing cycles applies to both balance transfers (made in the first 60 days of opening your account) and purchases, which makes it ideal for saving on interest on past debt or new purchases. 

While this isn’t the longest intro APR available, it’s quite competitive. You’ll also want to keep the card’s balance transfer fee in mind. This fee is standard among balance transfer cards but could still add to your total debt payoff amount.

The ongoing 18.74% - 28.74% Variable APR on purchases and balance transfers means you could get a rate that’s lower than the current average credit card interest rate, depending on your creditworthiness. 

Since balance transfer and low-interest cards seldom have generous rewards programs, the Customized Cash becomes even more attractive for people looking for a decent break on interest while earning rewards.

Why you might want a different cash back card

The Customized Cash falls short when it comes to its perks, fees and welcome offer. It’ll be expensive to take this card abroad and the most valuable perks come at a potentially steep price.

Rates and fees: Not an ideal travel companion

While Bank of America won’t charge you annually to hold the Customized Cash, you can still run into common credit card fees. One of the most disappointing is the 3 percent foreign transaction fee, which tacks on an extra cost to any international purchase. Many no-annual-fee cash back cards with bonus categories don’t charge foreign transaction fees, so the Customized Cash falls behind the pack in this regard.

Cardholder perks: Best for Bank of America Preferred Rewards members

While no-annual-fee cards typically don't feature a lot of perks, this card is especially low on benefits. Travel insurances, annual credits and lounge access are not perks you’ll get to enjoy with the Bank of America Customized Cash. Niche benefits like BankAmeriDeals and Museums on Us may only be of value to a select group of people, and its Visa Signature benefits are fairly standard.

Perhaps the most notable cardholder perk is Bank of America’s Preferred Rewards program, which could get you some of the highest rewards rates available with a boost of up to 25 to 75 percent. You’ll need to keep a qualifying balance across your Bank of America and Merrill Edge accounts to get the Preferred Rewards boost, and some of the daily average balance thresholds across accounts could be difficult to reach. Here is a breakdown of the four Preferred Rewards tiers: 

  • Preferred Rewards Gold (at least a $20,000 balance): 25 percent boost for 3.75 percent on choice category purchases, 2.5 percent on grocery store and wholesale club purchases along with 1.25 percent on all other purchases (2.06 percent average rewards rate)
  • Preferred Rewards Platinum (at least a $50,000 balance): 50 percent boost for 4.5 percent on choice category purchases, 3 percent on grocery store and wholesale club purchases along with 1.5 percent on all other purchases (2.47 percent average rewards rate)
  • Preferred Rewards Platinum Honors (at least a $100,000 balance): 75 percent boost for 5.25 percent on choice category purchases, 3.5 percent on grocery store and wholesale club purchases along with 1.75 percent on all other purchases (2.88 percent average rewards rate)
  • Preferred Rewards Diamond (at least a $1,000,000 balance): 75 percent boost for 5.25 percent on choice category purchases, 3.5 percent on grocery store and wholesale club purchases along with 1.75 percent on all other purchases (2.88 percent average rewards rate)

Welcome offer: A standard offer with a higher requirement

You’ll have to spend $1,000 in your first 90 days with the card to earn the $200 online cash rewards bonus, which is standard among no-annual-fee cash back cards, but the spending requirement could be lower. For example, the Chase Freedom Flex℠ has a welcome offer of $200 when you spend $500 in the first three months — which is a lower spending requirement for the same bonus in the same timeframe. 

The upside is if you use this card exclusively for purchases in your choice spending category, groceries and another high-cost item, you should still be able to meet the welcome offer requirement. You can use the extra $200 as a statement credit or pocket it via a direct deposit.

We tried it: Here’s what our experts say

Bankrate editor Ashley Parks enjoys using the Customized Cash as part of her card portfolio. She tries to use her card according to shifts in her spending habits to maximize her earning potential.

“I use the Customized Cash exclusively as my gas credit card, since I have other cards to cover other top categories in my budget like travel and dining. During the holiday season, when I’m doing less driving and more online shopping, I switch my choice category to online shopping so I can still maximize my cash back earnings. It’s great having a card I can easily tailor to my needs as they change.” 

— Ashley Parks, Editor at Bankrate

How the Unlimited Cash Rewards card compares to other cash back cards

The Bank of America Customized Cash Rewards card stands out among some of the best no annual fee credit cards for its versatile rewards program. Even so, new approaches to flexible categories and more comprehensive flat-rate cards are gaining traction and providing people with competing alternatives to the Customized Cash card.

Image of Bank of America® Customized Cash Rewards credit card
Bankrate Score
Apply now Lock Icon
on Bank of America's secure site

Annual fee

$0

Intro offer

$200
Info Icon

Rewards rate

1% - 3%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Citi Custom Cash® Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on Citi's secure site

Annual fee

$0

Intro offer

$200
Info Icon

Rewards rate

1% - 5%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Chase Freedom Unlimited®
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$0

Intro offer

Up to $300 cash back
Info Icon

Rewards rate

1.5% - 5%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon

Best cards to pair with the Bank of America Customized Cash

The best cards to pair with the Customized Cash will be rewards cards that cover categories that the Customized Cash doesn’t. A flat-rate rewards card with unlimited earnings and no spending caps may be your top choice, but a bonus category card with boosted rewards rates in categories you can’t find on the Customized Cash could work just as well.

Who is the Bank of America Customized Cash right for?

This card is ideal for anyone with a firm grasp of their budget and who knows where they can squeeze the most out of a card. Also, people with Bank of America as their primary bank will benefit if they qualify for Preferred Rewards.

Bankrate’s Take — Is the Bank of America Customized Cash Rewards card worth it?

The Bank of America Customized Cash Rewards credit card is an excellent no-annual-fee card if you think you'll earn more by maximizing the card's bonus categories rather than with a 1.5 percent flat-rate cash back card.

However, the card might be high maintenance for some and its spending cap can dampen its potential value. If you can benefit from this card’s intro APR offers and customizable bonus categories, the Customized Cash is definitely worth a look, especially if you qualify for the Bank of America Preferred Rewards program.

Dig deeper: Is the Bank of America Customized Cash Rewards card worth it?

Frequently asked questions

What cardholders think

Image of Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

4.3 Star Icon
42 ratings
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Score breakdown
5 stars
45%
4 stars
38%
3 stars
14%
2 stars
2%
1 star
0%
Score by category
Overall 4.3 / 5
Extra perks 3.5 / 5
Privacy and security 4.2 / 5
Customer service 4.0 / 5
Online portal or mobile app 4.4 / 5
Ease of rewards redemption 4.7 / 5
Rewards value 4.1 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Bank of America® Customized Cash Rewards credit card reviews from certified cardholders.
Search Icon
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Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, because I use my credit card for many of my online purchases.
Score by category
Extra perks 2 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
have redeemed for credit right into my checking account quick and easy through online banking
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I do not. I transfer it to my checking every month
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
This credit card isn't my primary card, but I prefer it on large purchases because of the large credit limit and security features that protect me from fraud.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would definitely recommend the card to a friend. The bonus on their rewards is very decent.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
no, i redeem my rewards as cash towards my statement.
Score by category
Extra perks 1 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is the card I use everyday as I receive cash back for my purchases.
Score by category
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Great customer service always and technology like an app make payments simplr
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It is easy to earn rewards and to redeem them. Great special promotions for balance transfers and special rates.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I redeem to my bank account when ever there’s enough to redeem
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
yes ..i use it often
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
i like the ease of using card
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I have redeemed points towards my balance. It feels like a really smart way to use points.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
No I always get cash back to checking account
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I regularly redeem cash back. It is a simple online transaction and is deposited directly into my account
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I received cash back. I used it to dine out more.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Rewards value 5 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I use the card mostly for groceries and clothing, and fuel
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I can select different places to earn extra cash back rewards
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is a part of my everyday life as i use it to build credit and helps me pay for the small bills
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No -!I use it strictly for travel & pay it off every month.
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I don't care about miles because I have no interest in traveling, I only care about getting cash back, whether that is in the form of a statement credit, wire transfer, or worst case retailer gift card as long as I have options for retailers that I frequent. Bank of America Custom cash rewards allows me to choose which category of spending I get extra points on, which is nice, and it is easy to redeem, you basically just go on the online dashboard, click on redeem rewards and choose the payout method.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 3 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
more for business, used weekly at least.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I just transferred it into cash into my account.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I have an extra points due to preffered customer program and I can redeem any amount every month (I put all my cash rewards to my sav. acc.)
Score by category
Extra perks 2 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
No I do not feel it would be worth having an annual fee
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Good rewards
Score by category
Extra perks 5 / 5
Rewards value 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
You have to login to the portal and either request a check or a statement credit for your rewards
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Cash back
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Rewards value 3 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I use it for my everyday spending because I want to get rewards from my purchases
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Redeemed for a statement credit but don't remember how many points
Score by category
Online portal or mobile app 4 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I transferred points to put towards my balance, it was very easy.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. I use for many everyday purchases.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card especially because of premium member gets additional 75% reward rebate
Score by category
Extra perks 2 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
no. the transfers are done automatically
Score by category
Online portal or mobile app 4 / 5
Rewards value 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I find this card is best to use for everyday expenses, to get the benefit of rewards, and then pay off each month
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 3 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
It is an okay card. Easy to get the cashback. Not that many features or benefits with the card. I wouldn't pan an annual fee for it.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Rewards value 3 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I don’t think that an annual fee would be worth it, unless they increase the percent of cash back for certain purchases. I like the cash rewards they can be customized so we can get a higher percentage towards what we purchase more frequently like groceries.
Score by category
Extra perks 2 / 5
Online portal or mobile app 3 / 5
Rewards value 2 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
No because right now the interest rates are skyrocketing
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Rewards value 3 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Needs better benefits, also needs customer service representatives that are informative and can help the customers.
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Rewards value 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Not really. I think it gives you a bonus on drugstore purchases typically make drugstore purchases
Score by category
Extra perks 3 / 5
Rewards value 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Ease of rewards redemption 3 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I have never transferred points but I have redeemed and that was very easy.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Rewards value 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Not everyday, as I don't buy stuff every single day
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 3 / 5
Customer service 2 / 5
Privacy and security 3 / 5
Ease of rewards redemption 3 / 5
Written by
Ashley Parks
Former Editor, Credit cards
As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge.
Edited by Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.