Bank of America is bringing back its More Rewards Day promotion for the fourth year in a row.
During the one-day promotion scheduled for Thursday, November 6, 2025, Bank of America consumer and business credit cardholders can earn bonus rewards on up to $2,500 in purchases, in addition to their card’s standard rewards.
Depending on the card, customers can earn as much as 8% cash back in total.
What To Know About More Rewards Day
In its fourth year, More Rewards Day has become a signature event for Bank of America’s cardholders. The one-day promotion, launched in 2022, aims to give customers an annual rewards boost in the lead-up to the holiday shopping season.
Eligible Bank of America credit cardholders are automatically enrolled in the bonus rewards on More Rewards Day—no sign-up required.
For this year’s promotion on November 6, cardholders will earn 2% cash back, 2 points per dollar or 2 miles per dollar on their first $2,500 in purchases, with the rewards type depending on their card. These earnings are in addition to each card’s standard rewards.
Cardholders who do not hold a rewards credit card will earn 2% cash back in the form of a statement credit applied to their account.
The total amount of rewards that can be earned during the promotion is capped at $50 in cash back, 5,000 points, 5,000 miles or a $50 statement credit.
Cash-Back Cards for Maximizing Rewards
If you’re looking to maximize earnings during More Rewards Day, two Bank of America credit cards stand out as the best options for getting the most back on your holiday purchases.
Bank of America® Customized Cash Rewards credit card
The Bank of America® Customized Cash Rewards credit card, which has a $0 annual fee, earns 6% cash back for the first year in the eligible category of your choice, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% cash back on all other purchases. After the first year from account opening, earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs up to the quarterly maximum.
During More Rewards Day, first-year cardholders can earn up to 8% cash back on purchases in their chosen category. The $50 cash-back cap still applies, which means cardholders can reach the limit with $625 in category spending.
Outside of its rewards structure, the Customized Cash Rewards card offers new cardholders a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening.
It also includes an intro APR offer: 0% introductory APR for 15 billing cycles on purchases and balance transfers made in the first 60 days, after that a variable APR of 17.99% to 27.99% applies. There’s a 3% balance transfer fee for 60 days from account opening, then 4%.
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Bank of America® Customized Cash Rewards credit card
6% cash back offer
New offer! Earn 6% cash back for the first year in the category of your choice, 2% cash back atRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
17.99% – 27.99% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent (670 – 739)
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.99% – 27.99% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Bank of America® Unlimited Cash Rewards credit card
Also for no annual fee, the Bank of America® Unlimited Cash Rewards credit card earns the following: 2% cash back on purchases in the first year of account opening, earn unlimited 1.5% cash back on all purchases thereafter.
With the More Rewards Day bonus, first-year cardholders can earn up to 4% cash back on all purchases made during the promotion, up to the maximum limit.
The rest of the card’s benefits are similar to those of the Customized Cash Rewards card. New cardholders receive a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening.
A low introductory APR offer is also available: 0% introductory APR for 15 billing cycles on purchases and for any balance transfers made in the first 60 days of account opening, followed by a 17.99% to 27.99% variable APR. A 3% fee applies to balance transfers made in the first 60 days, then 4%.
If you’re in the market for a Bank of America credit card, the Unlimited Cash Rewards card is a fit for those who prefer simplicity, earning a flat rate on all purchases rather than managing bonus categories. That said, those who spend heavily in specific categories may benefit more from the Customized Cash Rewards card’s category-based structure, which can yield higher earnings when the bonus category is fully utilized.
What To Remember Before Getting Swipe-Happy
Bank of America’s More Rewards Day is a short window for cardholders to earn extra rewards, particularly for those planning large purchases and able to reach the $2,500 cap.
Still, the overall value depends on whether the promotion aligns with your regular spending habits. Before becoming swipe-happy on November 6, be mindful of only making purchases that you know you can pay off in full and on time. Carrying a balance after the promotion could result in interest charges that outweigh any bonus rewards earned.
Bottom Line
Bank of America’s upcoming More Rewards Day provides existing customers with a limited-time bonus opportunity ahead of the holiday season. Its two main cash-back cards—the Customized Cash Rewards and Unlimited Cash Rewards—offer ongoing value suited to different spending preferences.
Whether you prefer to choose bonus categories or earn a flat rate on all purchases, these cards pack the strongest punch when it comes to earning cash back during the promotion.
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