Bank of America
Susan G. Komen Customized Cash Rewards Visa credit card
Customizable cash rewards card with 6% back in your chosen category for year one, 2% at groceries, and 1% elsewhere. No annual fee with $200 bonus after $1,000 spend.
Annual fee
None
Top rate
6x online shopping
Quick look
Customizable 6% cash back
Choose your reward category for the first year
3.9
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Bank of America customers who spend under $2,500 per quarter in bonus categories, pay off their balance monthly, and want a no-fee card with first-year rewards that rival premium cards—plus the bonus of supporting breast cancer research.
The verdict
This card delivers solid value in year one, pairing a flexible 6% cash back category with a 15-month 0% APR window and no annual fee. The $200 sign-up bonus is easy to hit, and the automatic donation to Susan G. Komen adds a cause-driven angle. The catch: after 12 months, rewards drop to 3% in your chosen category—leaving this card middle-of-the-pack against competing no-fee options. The $2,500 quarterly cap on bonus categories also limits upside for heavy spenders in those categories.
Best for Bank of America customers who spend moderately, value the charitable component, and plan to optimize that first-year runway. Anyone looking for sustained cash back rates after month 12 should consider competitors like VentureOne (flat 5% no-fee rewards) or category specialists.
Pros
- 6% cash back in your choice of category for the first year—among the top rates for no-fee cards in online shopping and dining
- 15-month 0% APR on purchases and balance transfers, useful for planned spending or debt consolidation
- No annual fee, making it free to hold even if you don't carry a balance
- Automatic donations to Susan G. Komen per purchase—supporting a major cancer charity without extra work
- Bank of America customers get a bonus 10% cash back reward (scaling to 75% for Platinum Honors members)
Cons
- Rewards drop to 3% in your chosen category after year one—a steep decline that makes it less compelling long-term
- $2,500 quarterly cap on the 6% and 2% rates means spending above that earns only 1% in those categories
- 27th-ranked for grocery cash back (2%) and 56th for everyday purchases (1%)—weak outside your chosen category
- High regular APR (17.49–27.49%) discourages carrying balances, despite the generous intro period
- No credit score monitoring, purchase protection, or premium travel perks—bare-bones benefits beyond cash back
Reward rates
| Category | Rate | Details |
|---|---|---|
| Online shopping | 6x | 6% cash back in your choice category (gas/EV, online shopping, dining, travel, drugstores, or home improvement) for the first year on the first $2,500 in combined purchases per quarter |
| Groceries | 2x | 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined purchases per quarter |
| Everything else | 1x | Unlimited 1% cash back on all other purchases |
The 6% rate in your chosen category (gas/EV charging, online shopping, dining, travel, drugstores, or home improvement) ranks 4th in the catalog for online shopping—solid for year one. But after 12 months, it drops to 3%, placing it below the top tier. The $2,500 quarterly spending cap matters: only your first $2,500 in combined purchases earn the bonus rate each quarter; spending above that earns just 1%. For moderate spenders, this is fine. For those routinely hitting $5,000+ per quarter in a single category, a flat-rate card like VentureOne Rewards (5% no annual fee) delivers better value.
Fees and APR
Does it pay for itself?
Zero annual fee makes this an easy hold for Bank of America customers. The 0% APR for 15 months covers most people's interest-free window, but the regular APR (17.49–27.49%) is steep—suitable only for people confident they'll pay in full. If you carry a balance, this card stops being valuable.
Welcome bonus
Is it worth chasing?
The $200 cash bonus requires $1,000 spend within 90 days. That's achievable for active cardholders but not automatic for minimal users. Compared to premium cards offering 50,000+ points, this is modest—but for a no-fee card, it's competitive. Pair it with the $200 to break even on the annual cost of premium cards after accounting for year-one rewards, and you're ahead.
Other benefits
- $0 Liability Guarantee for fraudulent transactions
- 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined purchases each quarter, then 1% thereafter
- 3% cash back in your choice category after the first year (when intro bonus expires)
- Earn cash rewards that don't expire as long as your account remains open
- Digital Wallet support (Apple Pay, Google Pay, Samsung Pay)
- Online and mobile banking access
- Account alerts for balances and due dates
- Overdraft Protection (optional service)
- Paperless statement option
Similar cards
Same issuer, identical rewards structure and $200 bonus—choose this if you don't want to support Susan G. Komen or simply prefer the standard version
5% flat cash back on all purchases with no annual fee—better for anyone spending above the $2,500 quarterly cap or wanting consistent rewards after year one
Frequently asked questions
Can I change my 6% category every month?
Yes. You can choose a different bonus category each month (gas/EV charging, online shopping, dining, travel, drugstores, or home improvement), making the card flexible for rotating spend.
What happens to my rewards after the first year?
Your chosen category drops from 6% to 3% cash back after 12 months. Grocery rewards stay at 2%, and all other purchases remain 1%. The $2,500 quarterly cap applies to both rates year-round.
Does the $200 bonus count toward the quarterly cap?
The bonus is cash rewards, not tied to spending categories. It doesn't affect or get affected by the $2,500 quarterly earning cap.
How much does Bank of America donate to Susan G. Komen?
Bank of America donates at least $3 per new card that remains open for 90 days, $3 per renewal, and 0.08% of all purchases made with the card. For a $10,000 annual spend, that's roughly $8 in donations—modest but meaningful if you support the cause.
Is this card good for international travel?
No. The card carries a 3% foreign transaction fee, which is high by modern standards. If you travel abroad regularly, look for a no-foreign-transaction-fee card like Chase Sapphire Preferred.
Should I keep this card after year one?
If you're in year two with a 3% bonus rate in your chosen category and a $2,500 quarterly cap, compare it against no-fee alternatives like VentureOne (5% flat). If you're a Bank of America customer who values the deposit account perks (up to 75% bonus cash back for Platinum Honors), it may still be worth keeping. Otherwise, downgrading to a flat-rate card often makes sense.
Reviewed by YoungerFinance Editorial · Last updated August 10, 2026