There’s not only one strategy to go about incomes bank card rewards. Some playing cards present the identical incomes charge, regardless of the acquisition. In the meantime, others supply bonus rewards for standard purchases like fuel, groceries and eating. These two forms of playing cards are the most typical, and there are seemingly limitless choices in every class.
If you cannot resolve between the 2, there is a good center floor: customizable rewards playing cards. These playing cards present bonus rewards on one or two of your most typical purchases each month. A few of these playing cards allow you to choose your buy classes, whereas others routinely adapt to your spending.
Let’s take a look at my high picks for bank cards with customizable rewards and who they’re finest suited to.
Greatest bank cards with customizable rewards
The knowledge for the Citi Customized Money card, U.S. Financial institution Money+ card, Uncover It Money Again card and U.S. Financial institution Shopper Money Rewards card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Comparability of one of the best playing cards for customizable rewards
| Card | Welcome supply | Incomes charge | Annual payment |
|---|---|---|---|
| American Categorical Enterprise Gold Card | Earn 100,000 bonus factors after spending $15,000 on purchases within the first three months of card membership. |
|
$375 (see charges and costs) |
| Financial institution of America Personalized Money Rewards bank card | Earn a $200 on-line money rewards bonus after spending $1,000 on eligible purchases within the first 90 days from account opening. Plus, earn 6% money again (for the primary yr, then 3%) in one of many following classes for the primary yr:
|
*On as much as $2,500 in purchases per quarter, then 1% money again |
$0 |
| Financial institution of America Enterprise Benefit Personalized Money Rewards Mastercard | Get a $300 on-line assertion credit score after making at the very least $3,000 in purchases inside 90 days from account opening. |
*On as much as $50,00 in purchases per yr, then 1% money again |
$0 |
| Citi Customized Money Card | Earn $200 money again after spending $1,500 on purchases within the first six months from account opening. This bonus supply will probably be fulfilled as 20,000 factors, which could be redeemed for $200 money again. |
|
$0 |
| Chase Freedom Flex | Earn $200 money again after spending $500 on purchases within the first three months from account opening. |
|
$0 |
| U.S. Financial institution Money+ Visa Signature Card | Earn $200 money again after spending $1,000 on purchases throughout the first 90 days from account opening. |
|
$0 |
| Uncover it Money Again | Limitless dollar-for-dollar match of all of the money again you earn on the finish of your first yr from account opening. |
*On as much as $1,500 in purchases per quarter, then 1% |
$0 |
| U.S. Financial institution Shopper Money Rewards Visa Signature Card | Earn $250 money again after spending $2,000 on purchases throughout the first 120 days from account opening. |
*In your first $1,500 in eligible purchases every quarter, then 1.5% money again
|
$0 annual payment the primary yr, then $95 |
Card particulars for one of the best playing cards for customizable rewards
American Categorical Enterprise Gold: Greatest for high-spending companies
If in case you have a longtime enterprise, you need to take into account the Amex Enterprise Gold.
Annual payment: $375 (see charges and costs)
Welcome supply: Earn 100,000 bonus factors after spending $15,000 on purchases within the first three months of card membership.
Why we prefer it: This card rewards companies handsomely for his or her most typical purchases, together with promoting, pc software program, fuel and different extraordinary enterprise bills. Whereas the cardboard has a excessive $375 annual payment, you possibly can offset it with the bonus factors you earn and numerous assertion credit included with the cardboard.
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Amex will tally up your purchases every billing cycle and reward you with 4 factors per greenback spent in your high two spending classes from this checklist:
- U.S. on-line, TV and radio promoting
- U.S. pc {hardware}, software program and cloud methods from choose expertise suppliers
- U.S. fuel stations
- U.S. transit purchases, together with trains, taxicabs, ride-hailing companies, ferries, tolls, parking, buses and subways
- U.S. eating places, together with takeout and supply
- Month-to-month wi-fi phone service costs made straight from a wi-fi phone service supplier within the U.S.
Your rewards could be excellent if your enterprise maximizes the $150,000 spending threshold on ongoing bills. TPG values Membership Rewards factors at 2 cents every as of its June 2025 valuations, so incomes 600,000 bonus factors is like incomes $12,000 in worth.
For the reason that card earns transferable Membership Rewards factors, it is a good possibility for companies that need to cowl journey bills with factors. For instance, you possibly can e book business-class flights to Europe for simply 60,000 factors every means (plus taxes and costs) while you switch Membership Rewards factors to Air France-KLM Flying Blue.
To study extra, take a look at our full evaluation of the Amex Enterprise Gold.
Apply right here: American Categorical Enterprise Gold
Financial institution of America Personalized Money: Greatest for purchasing at wholesale golf equipment
If your enterprise takes benefit of locations like Costco or Sam’s Membership for stock, take a look at the Financial institution of America Personalized Money.
Annual payment: $0
Welcome bonus: Earn 6% money again in an eligible buy class you select for the primary yr, plus a $200 money rewards bonus after making at the very least $1,000 in purchases within the first 90 days out of your account opening.
Why we prefer it: The Financial institution of America Personalized Money provides a novel incomes scheme catered to households with massive grocery payments and people who need to earn bonus rewards on family purchases. This is how a lot money again you may earn:
- 6% within the class of your selection (for the primary yr, then 3%): Fuel and EV charging stations, on-line purchasing (together with cable, streaming, web and telephone companies), eating, journey, drugstores, or dwelling enchancment/furnishings
- 2% money again at grocery shops and wholesale golf equipment
- 1% money again on all different purchases; word that you will solely earn the elevated charges on the primary $2,500 within the mixed selection class, grocery and wholesale membership purchases every quarter (then 1%)
Incomes 2% money again on groceries and at wholesale golf equipment like Costco and Sam’s Membership can add up shortly for those who’re shopping for for a big household. Nonetheless, you need to run the numbers earlier than you apply to see for those who’ll come out forward.
To study extra, take a look at our full evaluation of the Financial institution of America Personalized Money.
Apply right here: Financial institution of America Personalized Money
Financial institution of America Enterprise Benefit Personalized Money: Greatest for small companies and freelancers
In case you’re simply getting began with your enterprise or doing a easy aspect hustle, you might not want a premium enterprise card. In that case, the Financial institution of America Enterprise Benefit Personalized Money could also be proper up your alley.
Annual payment: $0
Welcome bonus: Get a $300 assertion credit score after spending $3,000 inside 90 days from account opening.
Why we prefer it: Whether or not you are a freelancer or have a small enterprise, you need to separate your enterprise and private funds to make tax time simpler. If you wish to do that with out paying an annual payment, the Financial institution of America Enterprise Benefit Personalized Money Rewards is usually a terrific selection.
This is how a lot money again the cardboard earns:
- 3% money again within the class of your selection: fuel and EV charging stations (default), workplace provide shops, journey, TV/telecom and wi-fi, pc companies, or enterprise consulting companies (on the primary $50,000 in mixed selection class/eating purchases every calendar yr; 1% thereafter)
- 2% money again on eating (on the primary $50,000 in mixed selection class/eating purchases every calendar yr; 1% thereafter)
- 1% money again on all different purchases
It is price contemplating if your enterprise spends in one of many supported 3% cash-back classes like telecom, workplace provides or fuel. Run the numbers to see if this card is an effective match for your enterprise wants.
To study extra, take a look at our full evaluation of the Financial institution of America Enterprise Benefit Personalized Money.
Apple right here: Financial institution of America Enterprise Benefit Personalized Money
Citi Customized Money: Greatest for the utmost flexibility
The Citi Customized Money flies underneath many card lovers’ radars, however it ought to undoubtedly be on yours.
Annual payment: $0
Welcome bonus: Earn $200 money again after spending $1,500 on purchases within the first six months from account opening. This bonus supply will probably be fulfilled as 20,000 factors, which could be redeemed for $200 money again.
Why we prefer it: The Citi Customized Money is a cash-back card that provides 5% again in your high spending class per billing cycle, on as much as the primary $500 spent, then 1% again. There are a whopping 10 eligible classes that can make it simple for most individuals to maximise the $500 month-to-month threshold:
There’s little to no legwork for cardholders because the card routinely applies the 5% incomes charge the place they spend probably the most every month. In flip, you may maximize your earnings whether or not you are on a street journey and shopping for numerous fuel or stocking up on groceries for a celebration.
Plus, in case you have a premium Citi ThankYou Rewards points-earning bank card just like the Citi Strata Premier℠ Credit score Card, (see charges and costs) you possibly can mix factors earned together with your Citi Customized Money.
Then, you possibly can switch them to companions like Avianca LifeMiles, JetBlue TrueBlue, Singapore Airways KrisFlyer and others. This makes it attainable to get outsize worth out of your rewards.
To study extra, take a look at our full evaluation of the Citi Customized Money.
Chase Freedom Flex: Greatest for rotating quarterly classes
The Chase Freedom Flex is a staple in lots of Chase followers’ wallets. Whether or not you are a newbie or an knowledgeable, it is price contemplating.
Annual payment: $0
Welcome bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Why we prefer it: The Chase Freedom Flex earns 5% again on rotating quarterly classes (on as much as the primary $1,500 spent) designated by Chase. You possibly can take a look at the rotating class calendar right here. Proper now, the quarterly classes are Amazon; choose streaming companies; and web, cable and telephone companies (till June 30).
This makes the cardboard much less versatile than the Citi Customized Money, and you will have to be diligent about activating classes every quarter in your Chase account. In case you do not register, you will not earn the elevated 5% rewards charge.
The cardboard has another attention-grabbing bonus classes too:
- 5% on rotating buy classes
- 5% on journey bought by means of Chase Journey
- 3% on eating (together with takeout and eligible supply companies) and drugstore purchases
- 1% on all different purchases
If in case you have a premium Chase Final Rewards bank card just like the Chase Sapphire Most popular® Card (see charges and costs), you possibly can switch money again earned with the Chase Freedom Flex to that card. This converts your money again to transferable Final Rewards factors, which could be transferred to companions like World of Hyatt and United MileagePlus.
To study extra, take a look at our full evaluation of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
U.S. Financial institution Money+ Visa Signature Card: Greatest for five% money again throughout high spending classes
If money again is your sport, the U.S. Financial institution Money+ Visa Signature is usually a highly effective addition to your pockets.
Annual payment: $0
Welcome bonus: Earn $200 money again after you spend $1,000 on purchases throughout the first 90 days from account opening.
Why we prefer it: You possibly can spend in numerous classes that you could change often, making the U.S. Financial institution Money+ card a sensible choice for these with spending habits that change regularly. Cardholders can earn 5% money again on the primary $2,000 per quarter within the following classes:
- Quick meals
- Dwelling utilities
- TV, web and streaming
- Shops
- Cellphone companies
- Digital shops
- Sporting items shops
- Film theaters
- Gyms/health facilities
- Furnishings shops
- Floor transportation
- Choose outfitters
Additional, cardholders can choose a class to earn 2% money again on on a regular basis purchases, whereas all different purchases earn 1%. You possibly can change your 2% classes each quarter and choose from the next:
- Fuel stations
- EV charging stations
- Grocery shops and grocery supply
- Eating places
You will earn 1% again on all different purchases. Earnings on the two% and 1% classes are limitless, so it is a good possibility for these spending on fuel, EV charging, eating or groceries.
To study extra, take a look at our full evaluation of the U.S. Financial institution Money+.
Uncover it Money Again: Greatest for elevated quarterly cash-back earnings
Newbies to the bank card world could have a neater time getting accredited for the Uncover it Money Again versus different playing cards.
Annual payment: $0
Welcome bonus: Limitless dollar-for-dollar match of all of the money again you earn on the finish of your first yr from account opening.
Why we prefer it: Just like the Chase Freedom Flex, this card earns 5% money again on rotating buy classes that change every quarter. Take note of Uncover’s cash-back calendar and ensure to enroll each quarter to earn 5% on eligible purchases.
Uncover’s 5% cash-back classes for the second quarter (ending June 30) embrace grocery shops and wholesale golf equipment, and we have seen Amazon and different standard retailers make appearances in years previous. You earn 5% money again on as much as the primary $1,500 in purchases in these classes, that means you may earn $75 money again for those who maximize it.
To study extra, take a look at our full evaluation of the Uncover it Money Again card.
U.S. Financial institution Shopper Money Rewards Visa Signature Card: Greatest for purchasing
In case you’re loyal to a specific model, the U.S. Financial institution Shopper Money Rewards could possibly offer you outsize worth on your bills.
Annual payment: $0 for the primary yr, then $95
Welcome bonus: Earn $250 money again after spending $2,000 on purchases throughout the first 120 days from account opening.
Why we prefer it: You will earn 6% money again on as much as $1,500 in purchases per quarter (then 1.5%) at two retailers of your selection. This checklist contains standard retailers that do not are likely to earn bonus rewards with different playing cards, like Apple and Dwelling Depot. Maximizing this may provide you with $90 in money again per quarter.
You possibly can choose from the next retailers:
- Ace {Hardware}
- Amazon
- Apple
- Anthropologie
- Mattress Bathtub & Past
- Greatest Purchase
- Chewy
- Crate & Barrel
- Disney
- Dwelling Depot
- Ikea
- Kohl’s
- Lowe’s
- Lululemon
- Macy’s
- Menards
- Nordstrom
- Pottery Barn
- QVC
- Restoration {Hardware}
- Goal
- Walmart
- Wayfair
- Williams Sonoma
Moreover, you may earn 3% money again on as much as $1,500 per quarter (then 1.5%) in purchases in a single class of your selection. You possibly can choose from the next:
- Fuel stations and EV charging stations
- Payments and residential utilities
- Wholesale golf equipment
All different purchases earn 1.5% money again. This makes the U.S. Financial institution Shopper Money Rewards among the finest playing cards for incomes money again, as you possibly can earn a mix of 6% and three% again at retailers or on classes of your selection and an elevated 1.5% money again in every single place else. Simply make sure you’ll earn sufficient money again to justify the $95 annual payment.
Backside line
Whether or not it is your first or fifth, a bank card with customizable rewards can supply many advantages for these trying to maximize rewards on on a regular basis purchases. The wonder right here is that you could select the cardboard that finest aligns together with your spending habits — in any case, how and the place we spend varies considerably from individual to individual and enterprise to enterprise.
In case you’re searching for ease, you might need to earn money again as a substitute of factors and miles. However if you wish to earn journey rewards that you need to use to e book high-end journey like business-class flights overseas, take into account a card just like the Amex Enterprise Gold that earns transferable factors.
Associated: One of the best bank cards with annual charges underneath $100
For charges and costs of the Amex Enterprise Gold, click on right here.
