The Bank of America Cash Back Pair
Bank of America Customized Cash Rewards, Unlimited Cash Rewards — one pass, free, no account and no app. Unlimited Cash Rewards takes everything else; Customized Cash Rewards takes groceries and wholesale clubs.
Card terms as of Oct 29. Open the downloaded pass on an iPhone to add it to Wallet. Regenerate it when card terms change.
What you get
| Category | Best card |
|---|---|
| Everything else | Unlimited Cash Rewards1.5% |
| Groceries | Customized Cash Rewards2.0% |
| Wholesale clubs | Customized Cash Rewards2.0% |
Content preview. Apple Wallet controls the layout. The free pass carries these first three rows, front and details together; the app unlocks every row.
These rows, every card
Everything else
- Unlimited Cash Rewards — 1.5%
- Customized Cash Rewards — 1.0%
Groceries
- Customized Cash Rewards — 2.0%
- Unlimited Cash Rewards — 1.5%
Wholesale clubs
- Customized Cash Rewards — 2.0%
- Unlimited Cash Rewards — 1.5%
Why these cards
Unlimited Cash Rewards takes everything else; Customized Cash Rewards takes groceries and wholesale clubs.
A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.
See the full ranking for Bank of America Customized Cash Rewards, Unlimited Cash Rewards — every spend category, every card, with the reasons. Or open it in the generator and change the cards.