Get a $200 online cash rewards bonus after you spend at least $1,000 on purchases in the first 90 days of account opening with the Bank of America® Cash Rewards credit card. Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings. Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases. You can update your choice category for future purchases once each calendar month using the mobile banking app or online banking, or do nothing and it stays the same. There's no expiration on rewards. Plus, there's a 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers. If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase.