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BofA Customized Cash data points: What merchants earn 2% and 3% rewards?

Bank of America® Customized Cash Rewards credit card art
Bank of America® Customized Cash Rewards credit card

The Bank of America Customized Cash Rewards credit card offers 3% cash back in one of six categories you can select, 2% cash back at grocery stores and wholesale clubs, and 1% cash back everywhere else.

And when you combine the card’s bonus rewards with Preferred Rewards with Platinum Honors or higher status, the 3% category becomes 5.25% cash back and the 2% category becomes 3.5% cash back.

Depending on the category you choose, the card can be one of the best cards for gas, groceries, online shopping, Costco, home improvement, or any number of other categories.

In this article, we show you how much the card earns at various merchants.

Table: How much do you earn in rewards at each merchant?

Here is a table containing the most recent datapoint from each merchant. This information was compiled independently from our own use of the cards and our community.

Merchant2% category3% category
Costco.com Warehouse clubs
Codes as warehouse purchase unless “Online shopping” is selected as 3% category
Online shopping
Costco In-Store Warehouse clubs
Costco Gas
CVS Drug stores
Lowe’s Home improvement and furnishings
Otterbox.com Online shopping
Earnings at various merchants with the Bank of America Customized Cash

Data points: Where we made purchases, when we made them, and how they coded.

Here are the data points that go into the table above. Searching through these can help you understand how fresh the data above is. As we collect more data points, we should be able to see if merchants change how they are coded over time.

These are in the format: [ merchant ] [ how the purchase coded ] [ date of purchase ]

  • Costco in-store. Wholesale club. 8/28/24
  • Lowes in-store. Home improvement. 8/2/24
  • Otterbox.com Online shopping. 7/30/24
  • Costco gas. General purchase. 7/25/24
  • Costco.com. Online shopping. 6/20/24
  • Costco.com. Wholesale club. 5/30/24
  • CVS in-store. Drug store. 5/13/24

Comments are open. Leave your data points below.

We don’t typically open comments on posts, but we’re going to try something new with this post. Leave your comments below about the rewards you’ve earned on your Customized Cash cards. It’s most helpful if you can include the merchant, category it coded as, and the date of your purchase.

Your comments can help others understand what rewards they’ll receive when they use their Customized cash cards.

Frequently asked questions

Do Costco purchases earn bonus rewards with the BofA Customized Cash?

Costco purchases made in a Costco warehouse will earn 2% rewards for purchases at wholesale clubs. If you have online shopping selected as your choice category, Costco.com purchases will earn 3% for online shopping. Otherwise, Costco.com purchases will earn 2% and be treated as a wholesale club. Costco gas purchases are treated as general purchases.

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Read more about the Bank of America Customized Cash card

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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