If online shopping is part of your everyday life—Amazon orders, eBay deals, Walmart pickups, or buying your favorite brands like Nike and Adidas—the Bank of America® Customized Cash Rewards credit card deserves a spot in your wallet. This card is especially powerful for shoppers who want high cash back, flexibility, and no annual fee.
Let’s break down why this card is one of the best cash-back credit cards for online shopping and mall purchases.
⭐ Earn Up to 3% Cash Back on Online Shopping
The biggest highlight of the BoA Customized Cash Rewards card is its 3% cash back category, which you can choose and change once per month. One of the most valuable options is Online Shopping.
What Counts as Online Shopping?
This category is surprisingly broad and includes many everyday and brand-name purchases:
- 🛒 Amazon
- 🛍 eBay
- 🏬 Walmart.com
- 👟 Nike, Adidas, Under Armour
- 🧥 Brand websites & official online stores
- 🏷 Online department stores & mall retailers
- 📦 Many app-based and mobile purchases
This makes it one of the most flexible online shopping cash-back cards available today.
💡 You earn 3% cash back on the first $2,500 per quarter (combined with the 2% category). After that, purchases earn 1%.
🏬 Great for Mall & Retail Shopping Too
Shopping in person? You’re still covered.
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on everything else, including in-store mall purchases
Whether you’re shopping online or walking through your favorite mall, you’re earning rewards on nearly every dollar spent.
🚀 Boost Your Cash Back with Preferred Rewards (Up to 5.25%)
If you qualify for Bank of America Preferred Rewards, this card becomes even more powerful.
| Preferred Rewards Tier | Online Shopping Cash Back |
|---|---|
| Gold (25% bonus) | 3.75% |
| Platinum (50% bonus) | 4.5% |
| Platinum Honors (75%) | 5.25% 🔥 |
That means Amazon, Nike, Adidas, eBay, and Walmart.com purchases can earn up to 5.25% cash back—with no annual fee.
💳 No Annual Fee, No Complicated Points
- ✅ $0 annual fee
- ✅ Simple cash back (no points confusion)
- ✅ Redeem for statement credits, direct deposit, or checks
- ✅ Visa network — accepted almost everywhere
This card is ideal if you want easy, predictable rewards without tracking travel points or transfer partners.
🔄 Perfect Card to Pair with Other Rewards Cards
Many people pair the BoA Customized Cash Rewards card with:
- A flat-rate 2% card (like Fidelity® Rewards Visa)
- A travel card for flights and hotels
- A grocery or dining card for everyday spending
By using this card specifically for online shopping, you maximize cash back where most people spend the most.
✅ Who Should Get This Card?
This card is an excellent fit if you:
- Shop frequently on Amazon, eBay, Walmart.com
- Buy directly from brand websites
- Want high cash back without an annual fee
- Already bank with (or plan to bank with) Bank of America
- Prefer cash back over travel points
🔚 Final Verdict
The Bank of America® Customized Cash Rewards credit card is one of the best online shopping cash-back cards on the market. With 3% cash back on online purchases—and up to 5.25% with Preferred Rewards—it’s a smart, flexible, and powerful choice for modern shoppers.
If your cart is always full, this card helps you get paid to shop. 🛍💰
Leave a Reply