Verdict · Updated April 2026
Bank of America Customized Cash Rewards for Dining & Restaurants
The Bank of America Customized Cash Rewards is a solid pick for dining & restaurants — ranked #13 of 40 eligible cards. It's a reasonable choice but not the category leader; check the alternatives below before committing.
Rank #13 of 4069th percentileSolid option — check alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Bank of America Customized Cash Rewards
Bank of America · No annual fee
Choose your own 3% cash back category — gas, online shopping, dining, travel, drug stores, or home improvement — and earn 2% at grocery stores and wholesale clubs (up to 2,500 dollars combined per quarter). Bank of America Preferred Rewards members earn up to 75% more cash back, making this a powerhouse for existing BoA customers.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$384
Annual fee
$0
Net value
$384
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the Bank of America Customized Cash Rewards wins for dining & restaurants
- 3% on dining — solid multiplier for restaurants and delivery
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Bank of America Customized Cash Rewards on our dining & restaurants scoring model.
How the Bank of America Customized Cash Rewards performs for other use cases
Frequently asked questions
Is the Bank of America Customized Cash Rewards a good card for dining & restaurants?⌄
The Bank of America Customized Cash Rewards is a solid pick for dining & restaurants — ranked #13 of 40 eligible cards. It's a reasonable choice but not the category leader; check the alternatives below before committing.
How much can I earn with the Bank of America Customized Cash Rewards on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $384 in rewards — net $384 after the $0 annual fee.
What are better alternatives to the Bank of America Customized Cash Rewards for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Bank of America Customized Cash Rewards?⌄
The Bank of America Customized Cash Rewards typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Bank of America Customized Cash Rewards's annual fee worth it for this use case?⌄
The Bank of America Customized Cash Rewards has no annual fee — there's no breakeven to clear, so any rewards earned on dining & restaurants spending are pure profit.
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