Bank of America · Visa

Annual fee

$0

Rewards

Cash back

Earn rates

• 6% Choice category (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) - first year only (up to $2,500/yr) — First year from account opening only: 3% base plus a 3% first-year cash back bonus. Page text: "Earn 3% cash back + 3% first-year cash back bonus in the category of your choice" and "Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter." The $2,500 cap is combined quarterly purchases shared with grocery stores/wholesale clubs.
• 3% Choice category (after the first year) (up to $2,500/yr) — Page text: "After the first year from account opening, you'll earn 3% cash back on purchases in your choice category." Same $2,500 combined quarterly cap: "After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum." Category can be changed once each calendar month in Online Banking or the Mobile Banking app.
• 2% Grocery stores and wholesale clubs (up to $2,500/yr) — Page text: "Automatic 2% cash back at grocery stores and wholesale clubs". The $2,500 quarterly cap is shared with the choice category: "Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter."

Purchase APR

17.49%–27.49% variable

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