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Why we like it: Our top Bank of America card pick excels across several categories. It has no annual fee and a great 0% introductory APR period, which you can use for both new purchases and balance transfers. But it's also an all-around solid cash-back card. You can earn 3% cash back on your choice category (6% for the first year) plus 2% cash back at grocery stores and wholesale clubs, up to a combined $2,500 spent each quarter. Everything else earns 1% cash back.
Choice category options cover plenty of common purchases: gas and EV charging stations, online shopping (including cable, internet, phone plans, and streaming), dining, travel, drugstores and pharmacies, or home improvement and furnishings. Having multiple rewards category options can give you more flexibility, especially as your spending habits change over time.
Read our full review of the Bank of America Customized Cash Rewards credit card.

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