Bank of America® Customized Cash Rewards Credit Card for Students

Earns the most on gas stations, EV charging and amazon & online shopping, about 3.0% back. Everything else earns 1.0%.

Annual fee
None
Welcome bonus
$200 after $1,000 in 90 days
Rewards
Cash Back
View on Bank of America’s siteCompare

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Bank of America® Customized Cash Rewards Credit Card for Students
3.0%back on gas stations

Where it earns

  1. Gas Stations
    On the first $2,500 of purchases, then the base rate. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
  2. EV Charging
    On the first $2,500 of purchases, then the base rate. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
  3. Amazon & Online Shopping
    On the first $2,500 of purchases, then the base rate. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
  4. Dining & Restaurants
    On the first $2,500 of purchases, then the base rate. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
  5. Travel
    On the first $2,500 of purchases, then the base rate. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
  6. Drugstores & Pharmacies
    On the first $2,500 of purchases, then the base rate. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
  7. Home Improvement
    On the first $2,500 of purchases, then the base rate. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
  8. Groceries
    On the first $2,500 of purchases, then the base rate. 2% at grocery stores and wholesale clubs; $2,500 combined quarterly cap with your 3% category.
    2.0%
  9. Wholesale Clubs
    On the first $2,500 of purchases, then the base rate. 2% at grocery stores and wholesale clubs; $2,500 combined quarterly cap with your 3% category.
    2.0%
  10. Everywhere else
    1.0%

Rates are cash back per dollar spent. How we value rewards

Card details

Last verified
Oct 29, 2026
What does a “cap” mean?

Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.

Pairs well with

The cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending

Compare it with

Bank of America® Customized Cash Rewards Credit CardChase Freedom Flex®Citi Custom Cash® CardChase Sapphire Preferred® Card

Fees, credits and offers change often. Check Bank of America’s page for current terms before you apply.