Verdict · Updated April 2026
Bank of America Customized Cash Rewards for Travel
The Bank of America Customized Cash Rewards isn't optimized for travel — ranked #39 of 54 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
Rank #39 of 5428th percentileConsider 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 — Travel profile
Based on typical travel spending of $25,200/year across the categories below.
Annual rewards
$444
Annual fee
$0
Net value
$444
Transfer partnersLounge accessNo foreign transaction feeTrip protection
Where the Bank of America Customized Cash Rewards wins for travel
- 3% on travel — top-tier earning for this use case
Where it falls short
- 3% foreign transaction fee — erodes rewards on international purchases
Top 3 alternatives for travel
Cards that rank higher than or close to the Bank of America Customized Cash Rewards on our travel 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 travel?⌄
The Bank of America Customized Cash Rewards isn't optimized for travel — ranked #39 of 54 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
How much can I earn with the Bank of America Customized Cash Rewards on travel spending?⌄
At the typical travel spending profile of $25,200/year, this card earns approximately $444 in rewards — net $444 after the $0 annual fee.
What are better alternatives to the Bank of America Customized Cash Rewards for travel?⌄
Our top 3 alternatives are IHG One Rewards Premier Credit Card, Citi Strata Premier Card, American Express Platinum. Each ranks higher on our use-case scoring model for travel.
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 travel spending are pure profit.
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