3%
cash back
in the category of your choice
2%
automatic cash back
at grocery stores & wholesale clubs
1%
unlimited cash back
on all other purchases
Earn 3% and 2% cash back on up to $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Choose which category you want to earn 3% cash back from the six categories shown below. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same. Until you change your category it will be set to Gas & EV Charging Stations.
Merchants are assigned a merchant category code (MCC) based on the type of products or services they primarily sell. We group similar MCCs into grocery store, wholesale club, and choice categories to help you earn cash back on purchases made at specific merchants.
Merchants, not Bank of America, categorize and submit purchases, so some purchases may not fall into the category where you might expect them to appear. When this occurs, purchases with that merchant won't qualify for bonus rewards.
Please see the category details for examples and exceptions.
For your road trip, your everyday commuting and beyond, cash back on gas and electric vehicle charging station purchases can add up when you’re on the go. Earn your cash back at the pump, service stations, marinas, and fuel dealers.
The Gas & EV Charging Stations category includes gasoline and EV charging station purchases in merchant categories including: automated fuel dispensers, service stations, electric vehicle (EV) charging stations, fuel dealers and marinas.
Excludes EV charging purchases from parking lots billing for vehicle charging and charging station installation.
*Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.
Make online shopping more rewarding. From cable, internet and streaming services purchases, to books and music, to fashion, electronics, toys and more – whether you're shopping online or on your mobile device, you could be earning more cash back.
The Online Shopping category includes purchases made online via a website or a digital application (an app). To identify if the purchase was made online, we rely on information provided to us by the merchant.
Purchases made by phone, mail and in-person, including those ordered online but paid for in store will not be eligible to receive the choice category bonus rewards. Purchases made in-store using a mobile or digital wallet or a contactless payment device are not online purchases.
Some classes of merchants are excluded from the Online Shopping category, as detailed below, such as Doctors and Hospitals, Government Services and Taxes, Insurance, Membership Organizations, Schools, Utilities and other non-retail services.
*Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.
Whether you dine in or take out, treat yourself to more cash back on dining purchases when you let someone else do the cooking.
The Dining category includes purchases in a variety of merchant categories including: restaurants and takeout, fast food, caterers, bars and taverns.
*Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.
Travel includes your everyday travel purchases, like parking, public transit, taxis/ride share, as well as the special getaways you plan all year like that trip to visit family or to explore a new destination. From traditional travel such as airfare to hotels to tourist attractions, campgrounds and boat rentals, watch the cash back add up.
The Travel category includes purchases in a wide variety of merchant categories including: airlines, cruises, hotels and resorts, amusement parks, aquariums, tourist attractions, travel agencies, buses, rideshare/taxis, passenger railways, tolls, car, RV, truck and boat rentals.
*Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.
From your annual flu shot to prescriptions to health & beauty items, vitamins and batteries. Find it all at your local drug store and earn more cash back.
The Drug Stores category includes purchases made at drug stores and pharmacies.
*Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.
From hardware store supplies for a weekend project to furniture and accent pieces that match your style. This category also includes contractors like plumbers, electricians, landscapers and carpenters. Big or small, planned or unexpected, this category includes what you need to make your place feel like home.
The Home Improvement & Furnishings category includes purchases in a wide variety of merchant categories including: home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries, lawn and garden supply stores and general contractors primarily engaged in construction of residential buildings.
*Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.
