3%
cash back
in the category of your choice — with newly expanded options
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 - now with enhanced categories. 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 for the first time, it will be set to Gas & EV Charging Stations.
Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they sell. Bank of America does not determine which MCC a merchant chooses to classify itself, therefore some purchases may not fall into the category where you might expect them to appear. We do group similar MCCs into grocery store, wholesale club, and choice categories to help you earn cash back on purchases made at specific merchants. 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 purchases in a wide variety of merchant categories* including:
Automated Fuel Dispensers | Electric Vehicle Charging Stations | Fuel Dealers for Coal, Fuel Oil, Liquefied Petroleum and Wood | Marinas and Marine Service and Supplies | Service Stations, with or without Ancillary Services
(Wholesale clubs that offer pay at pump locations could also appear in this category.)
*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.
**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 online and mobile app purchases in a wide variety of merchant categories* including, but not limited to:
Bookstores | Cable, Internet & Streaming Services | Clothing and Apparel | Department Stores | Discount Stores | Electronics | Landline & Mobile Phone Providers | Specialty Retail Stores | Sporting Goods
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.
*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.
**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 wide variety of merchant categories* including:
Eating Places, Restaurants | Fast Food Restaurants | Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns/Drinking Places
*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.
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, Air Carriers, Airports, Airport Terminals, Flying Fields | Amusement Parks, Carnivals, Circuses, Fortune Tellers | Aquariums, Dolphinariums, Zoos and Seaquariums | Art Dealers and Galleries | Boat Leases and Boat Rentals | Bus Lines | Campgrounds and Trailer Parks | Car Rental Agencies | Cruise Lines | Direct Marketing — Travel-Related Arrangements Services | Hotels, Motels, Resorts | Motor Home and Recreational Vehicle Rental | Package Tour Operators (for use in Germany only) | Parking Lots and Garages | Real Estate Agents and Managers (Rentals) | Recreation Services (not elsewhere classified) | Suburban and Local Commuter Passenger Travel, including Ferries | Taxicabs and Limousines | Timeshares | Truck and Trailer Utility Rentals | Passenger Railways | Toll and Bridge Fees | Tourist Attractions and Exhibits | Transportation Services (not elsewhere classified) | Travel Agencies and Tour Operators
*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.
**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 in a wide variety of merchant categories* including:
Drug Stores/Pharmacies | Drugs, Drug Proprietors and Druggists Sundries
*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.
**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:
Air Conditioning and Refrigeration Repair Shops | Antique Shops for Sales, Repairs and Restoration Services | Architectural, Engineering and Surveying Services | Building Materials, Lumber Stores, Carpentry | Carpet and Upholstery Cleaning | Construction Materials (not elsewhere classified) | Contractors, Concrete | Crystal and Glassware Stores | Drapery, Upholstery and Window Coverings Stores | Electrical Contractors | Electrical Parts and Equipment | Equipment, Furniture and Home Furnishings Stores (except Appliances) | Equipment, Tool, Furniture and Appliance Rental and Leasing | Fireplace, Fireplace Screens and Accessories Stores | Floor Covering Stores | Florist Suppliers, Nursery Stock and Flowers | Furniture Reupholstering, Repair and Refinishing | General Contractor/Residential Building | Glass, Paint, Wallpaper Stores | Hardware Equipment and Supplies | Hardware Stores | Heating, Plumbing, Air Conditioning Contractors | Home Supply Warehouse Stores | Household Appliance Stores | Landscaping and Horticultural Services | Lawn and Garden Supply Stores | Masonry, Stonework, Tile Setting, Plastering, Insulation Contractors | Miscellaneous House Furnishing Specialty Shops | Office and Commercial Furniture | Paints, Varnishes and Supplies | Plumbing and Heating Equipment and Supplies | Roof, Siding and Sheet Metal Work Contractors | Special Trade Contractor (not elsewhere classified)
*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.
**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.
