There’s not only one option to go about incomes bank card rewards. Some playing cards present the identical incomes price, regardless of the acquisition. In the meantime, others provide bonus rewards for well-liked purchases like fuel, groceries and eating. These two forms of playing cards are the most typical, and there are seemingly countless 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 commonest purchases each month. A few of these playing cards allow you to decide your buy classes, whereas others robotically adapt to your spending.
Let us take a look at my prime picks for bank cards with customizable rewards and who they’re greatest fitted to.
Finest 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 provide | Incomes price | Annual price |
|---|---|---|---|
| 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 charges) |
| 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 12 months, then 3%) in one of many following classes for the primary 12 months:
|
*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 no less than $3,000 in purchases inside 90 days from account opening. |
*On as much as $50,00 in purchases per 12 months, 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 provide will probably be fulfilled as 20,000 factors, which may 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 inside 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 12 months 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 inside the first 120 days from account opening. |
*In your first $1,500 in eligible purchases every quarter, then 1.5% money again
|
$0 annual price the primary 12 months, then $95 |
Card particulars for one of the best playing cards for customizable rewards
American Categorical Enterprise Gold: Finest for high-spending companies
If in case you have a longtime enterprise, it’s best to think about the Amex Enterprise Gold.
Annual price: $375 (see charges and charges)
Welcome provide: 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 commonest purchases, together with promoting, pc software program, fuel and different atypical enterprise bills. Whereas the cardboard has a excessive $375 annual price, you’ll be able to 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 prime two spending classes from this record:
- U.S. on-line, TV and radio promoting
- U.S. pc {hardware}, software program and cloud techniques from choose know-how suppliers
- U.S. fuel stations
- U.S. transit purchases, together with trains, taxicabs, ride-hailing providers, ferries, tolls, parking, buses and subways
- U.S. eating places, together with takeout and supply
- Month-to-month wi-fi phone service expenses made straight from a wi-fi phone service supplier within the U.S.
Your rewards may be excellent if your online business 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 choice for companies that wish to cowl journey bills with factors. For instance, you’ll be able to e-book business-class flights to Europe for simply 60,000 factors every approach (plus taxes and charges) if 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: Finest for purchasing at wholesale golf equipment
If your online business takes benefit of locations like Costco or Sam’s Membership for stock, take a look at the Financial institution of America Personalized Money.
Annual price: $0
Welcome bonus: Earn 6% money again in an eligible buy class you select for the primary 12 months, plus a $200 money rewards bonus after making no less than $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 affords a novel incomes scheme catered to households with giant grocery payments and those that wish to earn bonus rewards on family purchases. Here is how a lot money again you may earn:
- 6% within the class of your alternative (for the primary 12 months, then 3%): Gasoline and EV charging stations, on-line purchasing (together with cable, streaming, web and telephone providers), eating, journey, drugstores, or residence enchancment/furnishings
- 2% money again at grocery shops and wholesale golf equipment
- 1% money again on all different purchases; be aware that you’re going to solely earn the elevated charges on the primary $2,500 within the mixed alternative 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 in the event you’re shopping for for a big household. Nonetheless, it’s best to run the numbers earlier than you apply to see in the event you’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: Finest for small companies and freelancers
Should you’re simply getting began with your online business or doing a easy facet hustle, it’s possible you’ll 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 price: $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, it’s best to separate your online business and private funds to make tax time simpler. If you wish to do that with out paying an annual price, the Financial institution of America Enterprise Benefit Personalized Money Rewards could be a terrific alternative.
Here is how a lot money again the cardboard earns:
- 3% money again within the class of your alternative: fuel and EV charging stations (default), workplace provide shops, journey, TV/telecom and wi-fi, pc providers, or enterprise consulting providers (on the primary $50,000 in mixed alternative class/eating purchases every calendar 12 months; 1% thereafter)
- 2% money again on eating (on the primary $50,000 in mixed alternative class/eating purchases every calendar 12 months; 1% thereafter)
- 1% money again on all different purchases
It is price contemplating if your online business 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 online business 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: Finest for the utmost flexibility
The Citi Customized Money flies beneath many card fanatics’ radars, but it surely ought to positively be on yours.
Annual price: $0
Welcome bonus: Earn $200 money again after spending $1,500 on purchases within the first six months from account opening. This bonus provide will probably be fulfilled as 20,000 factors, which may 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 prime spending class per billing cycle, on as much as the primary $500 spent, then 1% again. There are a whopping 10 eligible classes that may make it straightforward for most individuals to maximise the $500 month-to-month threshold:
There’s little to no legwork for cardholders because the card robotically applies the 5% incomes price the place they spend probably the most every month. In flip, you may maximize your earnings whether or not you are on a highway journey and shopping for a number of fuel or stocking up on groceries for a celebration.
Plus, you probably have a premium Citi ThankYou Rewards points-earning bank card just like the Citi Strata Premier℠ Credit score Card, (see charges and charges) you’ll be able to mix factors earned along with your Citi Customized Money.
Then, you’ll be able to 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: Finest 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 skilled, it is price contemplating.
Annual price: $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 providers; and web, cable and telephone providers (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. Should you do not register, you will not earn the elevated 5% rewards price.
The cardboard has another attention-grabbing bonus classes too:
- 5% on rotating buy classes
- 5% on journey bought by way of Chase Journey
- 3% on eating (together with takeout and eligible supply providers) 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 charges), you’ll be able to switch money again earned with the Chase Freedom Flex to that card. This converts your money again to transferable Final Rewards factors, which may 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: Finest for five% money again throughout prime spending classes
If money again is your sport, the U.S. Financial institution Money+ Visa Signature could be a highly effective addition to your pockets.
Annual price: $0
Welcome bonus: Earn $200 money again after you spend $1,000 on purchases inside the first 90 days from account opening.
Why we prefer it: You possibly can spend in numerous classes that you could change frequently, making the U.S. Financial institution Money+ card a sensible choice for these with spending habits that change often. 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 providers
- 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 decide from the next:
- Gasoline 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 choice 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: Finest for elevated quarterly cash-back earnings
Novices to the bank card world might have a better time getting accredited for the Uncover it Money Again versus different playing cards.
Annual price: $0
Welcome bonus: Limitless dollar-for-dollar match of all of the money again you earn on the finish of your first 12 months 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 well-liked 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 in the event you 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: Finest for purchasing
Should you’re loyal to a specific model, the U.S. Financial institution Shopper Money Rewards might be able to offer you outsize worth on your bills.
Annual price: $0 for the primary 12 months, then $95
Welcome bonus: Earn $250 money again after spending $2,000 on purchases inside 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 alternative. This record consists of well-liked retailers that do not are likely to earn bonus rewards with different playing cards, like Apple and Dwelling Depot. Maximizing this could provide you with $90 in money again per quarter.
You possibly can decide from the next retailers:
- Ace {Hardware}
- Amazon
- Apple
- Anthropologie
- Mattress Bathtub & Past
- Finest 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 alternative. You possibly can decide from the next:
- Gasoline 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 top-of-the-line playing cards for incomes money again, as you’ll be able to earn a mix of 6% and three% again at retailers or on classes of your alternative and an elevated 1.5% money again in all places else. Simply make sure you’ll earn sufficient money again to justify the $95 annual price.
Backside line
Whether or not it is your first or fifth, a bank card with customizable rewards can provide 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 greatest aligns along with your spending habits — in spite of everything, how and the place we spend varies considerably from individual to individual and enterprise to enterprise.
Should you’re in search of ease, it’s possible you’ll wish to earn money again as an alternative of factors and miles. However if you wish to earn journey rewards that you should use to e-book high-end journey like business-class flights overseas, think about a card just like the Amex Enterprise Gold that earns transferable factors.
Associated: The perfect bank cards with annual charges beneath $100
For charges and charges of the Amex Enterprise Gold, click on right here.
