Bank of America® Customized Cash Rewards secured credit card. 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases.

Bank of America® Premium Rewards® credit card. Earn unlimited points, that don't expire – 2 points for every $1 spent on travel and dining purchases and 1.5 points per $1 on all other purchases. Get up to $200 in combined Airline Incidental and TSA PreCheck®/Global Entry Statement Credits.

The Bank of America® Unlimited Cash Rewards credit card is an excellent choice for earning rewards beyond the Customized Cash card's spending limit. It will also be great for purchases at retailers that typical bonus categories don't cover - including Walmart, Target and other superstores.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Bank of America Customized Cash Rewards credit card, too. Minimum credit score: 750+ (excellent credit).

Citi Custom Cash® Card Overview Citi's no-annual-fee credit card earns cash back rewards on purchases in one of 10 popular everyday categories but doesn't require you to keep track of categories or activation periods. Instead, you automatically earn rewards in your top spend category each billing cycle.

You will earn 5% cash back on your first $2,000 in combined net purchases (purchases minus returns or credits) in your two chosen 5% categories and 2% cash back in your chosen 2% category. Purchases over $2,000 in the 5% categories will earn 1% cash back. There are no limits on your 2% or 1% cash back earnings.

Rewards cards let you earn cash back, points or miles that can enhance the value of paying with a card over cash or debit cards. However, rewards programs have rules, such as when you're allowed to redeem rewards, that can make it confusing to navigate your card's program.

Redeem your cash rewards for any amount, anytime for statement credits, deposits made directly into a Bank of America® checking or savings account, or for credit to an eligible account with Merrill. Redemptions for a contribution to a qualifying 529 account with Merrill or for a check start at $25.

Editorial and user-generated content is not provided, reviewed or endorsed by any company. The Bank of America card that gives the highest credit limit is the Bank of America® Customized Cash Rewards credit card, which has a reported maximum limit of $95,000.

WalletHub's Take: The Bank of America® Premium Rewards® credit card is a great option for people with excellent credit who spend at least $1,334 per month and like to travel as well as dine out. And it's especially attractive for people with a Bank of America checking or savings account or a Merrill investment account.

Unless your credit score is 750 or higher and you have a lot of income, it will be difficult for you to get approved for the Bank of America Customized Cash Rewards credit card.

Editorial and user-generated content is not provided, reviewed or endorsed by any company. The Bank of America card that gives the highest credit limit is the Bank of America® Customized Cash Rewards credit card, which has a reported maximum limit of $95,000.