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How to change your Bank of America Customized Cash 3% award category: Step by step guide

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 up to 3% cash back rewards in one of six select categories that you choose. Depending on what category you select, the card can become one of the best cards to use for rewards in any of its select categories:

You can choose which category you want to earn 3% rewards in online and you can change your category once a month. Here’s how to change your 3% category on your Customized Cash card.

Changing your Customized Cash 3% category from the desktop website

Here’s how you can change your Bank of America® Customized Cash Rewards card 3% category on Bank of America’s website.

Log into your account at and click on the “Rewards” tab within the account management portal. You will see your Rewards Summary, which shows you your total available rewards and displays your currently selected 3% category.

A screenshot of the Bank of America desktop website showing the Rewards tab selected. Under the Rewards tab, there is a rewards summary displaying total available rewards and the currently selected 3% Customized Cash category. Under the 3% category, there is a button that says "Change 3% Category."
Change your Customized Cash category under the Rewards tab on the Bank of America website.

Click on “Change 3% Category” and you’ll pull up a screen showing you how much you’ve earned in each eligible category. If you want to change your category, simply click on a new category and click “OK.”

Screenshot of the dialog box allowing you to choose your 3% category. Six categories are displayed: Drug Stores, Gas & EV Charging, Dining, Home Improvement & Furnishings, Online Shopping, and Travel. Drug Stores is selected.
Select your 3% category and view your previous spending in the Customized Cash 3% categories.

You’ll be reminded that you can change your category only once every calendar month and you’ll be asked to confirm your category change.

Screenshot of success message confirming that the 3% category has been changed.
You’ll receive a notification once you successfully change your Customized Cash category.

And that’s it. You’ve changed your category.

Change goes into effect the same day

As soon as you change your 3% category online, you’ll begin to earn rewards in your new category. Likely you’ll earn rewards based on a charge’s posting date, so be sure that all pending charges in your 3% category have posted to your account prior to changing your category.

You can change your category once a month

The Bank of America® Customized Cash Rewards credit card allows you to select a new 3% category once a month. Once you’ve selected a category, you are locked into that category for the remainder of the calendar month.

This means that you could effectively use the card for purchases in multiple categories in the same month and earn 3% on both.

For example, let’s say that you use your Customized Cash primarily for gas and have gas and EV charging as your category, but you have a home improvement project coming up. You could select Home improvement and furnishings part-way through the month, make your large purchase at a home improvement store, and change the category back early in the following month.

The default category is gas and EV charging

By default, you’ll have gas and EV charging selected as your 3% category. While the Customized Cash is one of the best cards for gas rewards, ignoring the ability to select your 3% category is likely leaving some rewards value on the table.

Frequently asked questions

What are the Customized Cash 3% categories?

The 3% categories offered on the Customized Cash include gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings.

What is the cash back limit on the Customized cash?

You’ll earn unlimited cash back with the Customized Cash, but you will only earn 2% and 3% rewards on a combined $2,500 of purchases each calendar quarter.

What categories are available

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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