BillSaver
Credit cards

BillSaver card review

Bank of America® Customized Cash Rewards credit card

Flexible 3% choice category. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Terms last checked August 5, 2026Issuer: Bank of AmericaNetwork: Visa
Bank of America® Customized Cash Rewards credit card card art
BillSaver fitFlexible 3% choice category

Good to excellent credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee
$0
Rewards
6% cash back in a choice category for the first year, then 3%; 2% at grocery stores and wholesale clubs, and 1% on other purchases, subject to caps and issuer rules.
Welcome offer
$200 online cash rewards bonus after qualifying spend.
Intro APR
Intro APR offer on purchases and balance transfers.
Regular APR
Variable APR; see issuer terms.
Balance transfer fee
Balance transfer fee applies.
Foreign transaction fee
3%
Credit profile
Good to excellent

BillSaver's view

The choice category can follow a household's largest spending line, and the first-year boost can matter when the cap fits the budget.

Where this card can miss

The elevated first-year rate is temporary, the choice category must be managed, and quarterly caps limit the headline rate.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.