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Bank of America® Customized Cash Rewards credit card
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Publications featuring LendingTree experts this month
Top Credit Card Offers of July 2025
It’s no secret you can receive amazing benefits when signing up for a new credit card. Yet, many people stick with the same card year after year and miss out on these valuable benefits. Sound familiar? Find your perfect card from one of our partners below and unlock a world of points and perks.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Annual Fee $95
- 75,000 miles
-
Rewards Rate2X - 5X Miles
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$920
-
Est. Monthly Rewards
$119
-
Est. First Year Rewards
$2,351
The Bottom Line
The Capital One Venture Rewards Credit Card is a really good travel rewards card for the frequent traveler. You can earn tons of miles and use them in many different ways with no expiration dates or hidden fees.
Our Take
The Good
There's no cap on how many miles you can earn, and you can redeem them for all sorts of travel products and services such as flights, hotels, and car rentals.
The Not So Good
Your credit has to be excellent-good and there is an annual fee of $95.
Card Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee $0
- Regular APR 19.24%, 24.24%, or 29.24% Variable APR
-
Rewards Rate1X - 3X points
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$90
-
Est. First Year Rewards
$1,282
The Bottom Line
This card stands out for offering a valuable rewards rate without charging an annual fee. Many cards with rewards rates this high charge annual fees close to $100 or higher. And when you consider this card’s welcome offer for new cardholders, the value only increases.
Our Take
The Good
Finding a $0-annual-fee card with a rewards rate this high is a rarity. We love how easy it is to earn rewards at restaurants and gas stations, along with travel and popular streaming purchases. Plus, the welcome offer is packed with value and pretty easy to achieve.
The Not So Good
While the rewards rate is stellar, many other popular cards at this level have longer 0% intro APR periods.
Card Details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Annual Fee $0
-
Welcome Offer25,000 points
-
Rewards Rate1.5X - 3X points
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$250
-
Est. Monthly Rewards
$85
-
Est. First Year Rewards
$1,268
The Bottom Line
This card has its benefits when used for traveling purposes. It provides the card users with a huge opportunity for savings because consumers can utilize travel comparison websites in order to find the best deals instead of dealing with often marked-up rates common with company-specific rewards programs.
Our Take
The Good
International travelers don’t have to deal with high costs on transactions that are processed outside the United States, unlike most credit card offers. The Bank of America® Travel Rewards credit card allows you to Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout, and there's no annual fee.
The Not So Good
There aren't many downsides to this card other than it is only available for consumers with excellent-good credit.
Card Details
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- Annual Fee $0
-
Welcome Offer$200 Cash Bonus
-
Rewards Rate1.5% - 5% Cash Back
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$65
-
Est. First Year Rewards
$978
The Bottom Line
This card has it all; a solid rewards rate and generous sign up bonus, a nice intro APR, and no annual fee.
Our Take
The Good
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, which is a great way to kick-start your rewards earning. Plus, this card comes with one of the most flexible cash back program on the market.
The Not So Good
Based on our research, you'll need excellent-good credit.
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee $0
-
Welcome Offer$200 cash rewards
-
Rewards Rate1% - 6% cash back
- Earn 6% cash back for the first year in the category of your choice on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn unlimited 1% thereafter.
- Earn 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn unlimited 1% thereafter.
- After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
- Earn unlimited 1% cash back on all other purchases
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$48
-
Est. First Year Rewards
$771
The Bottom Line
The Bank of America® Customized Cash Rewards credit card is a good rewards card that offers a chance to earn fantastic cash rewards rates on your spending.
Our Take
The Good
If earning cash back is your goal, the Bank of America® Customized Cash Rewards credit card is a good option for you. You can earn cash back on everything you buy and receive it in fast, easy, convenient ways and rewards do not expire as long as your account remains open.
The Not So Good
It’s a solid rewards card, but if you like to travel overseas, be aware that transactions made in a foreign currency are subject to a heavy surcharge of 3%.
Card Details
- New offer! Earn 6% cash back for the first year in the category of your choice: 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. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your 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. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
68,965 users have viewed this card in the last 30 days.
- Annual Fee $0
-
Welcome Offer$200 cash back
-
Rewards Rate2% - 5% cash back
- Credit Needed Fair / Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$127
-
Est. First Year Rewards
$1,723
The Bottom Line
The Citi Double Cash® Card is great for those wanting to earn cash back on all purchases without having to worry about rotating categories and for those who carry a balance.
Our Take
The Good
To start, Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. This card is also great for those wanting to pay no interest on balance transfers for 18 months.
The Not So Good
While the lengthy 0% intro APR period for balance transfers is appealing, there’s no intro APR period for purchases, which many other cards in this category offer.
Card Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Annual Fee $0
-
Welcome OfferN/A
-
Rewards RateN/A
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
The Citi Simplicity® Card keeps it simple, streamlining the terms of its cardholder agreement in a way that is probably simpler than any other credit card on the market. Plus, there is 0% intro APR for 12 months on Purchases and 0% intro APR for 21 months on Balance Transfers, no annual fee, and no late penalties.
Our Take
The Good
The best part about this card is the fantastic 0% intro APR on purchases and balance transfers. With the lack fees and penalties, the Citi Simplicity® Card can be a big relief when many other credit cards seem to charge you a fee any chance they get.
The Not So Good
You’ll need excellent-good credit to qualify for the Citi Simplicity® Card, and there is no rewards program attached to it.
Card Details
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
- Annual Fee $395
-
Welcome Offer75,000 miles
-
Rewards Rate2X - 10X miles
- Credit Needed Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$870
-
Est. Monthly Rewards
$163
-
Est. First Year Rewards
$2,826
The Bottom Line
If you’re looking for a premier travel card experience, the Capital One Venture X Rewards Credit Card is certainly worthy of your attention. Plus, it’s liable to only get more attractive to potential cardholders as time goes on and more features are added.
Our Take
The Good
This card’s amazing rewards program and solid welcome offer show Capital One means business when it comes to staying competitive in the travel space.
The Not So Good
$395 is a lot to ask for an annual fee even with all the benefits on offer here, and this card is missing some of the additional features we see from more mature premium travel cards.
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.