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

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.

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.

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Read more about the Bank of America Customized Cash card