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Good Day Loans

Bank of America

Customized Cash Rewards

Best for: concentrated spending in one category

6% in a category you choose for the first year, then 3%, plus 2% at grocery stores and wholesale clubs.

Continue to Bank of America

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

Rewards and welcome offer

Welcome bonus

$200

online cash rewards bonus after $1,000 in purchases in the first 90 days

  • 6%in a category you choose, for the first year, on the first $2,500 in combined purchases each quarter
  • 2%at grocery stores and wholesale clubs, on the same $2,500 quarterly cap
  • 1%on all other purchases, unlimited

Strengths and trade-offs

Strengths

  • Choose your bonus category
  • 0% intro APR for 15 billing cycles
  • No annual fee

Trade-offs

  • Choice category drops from 6% to 3% after the first year
  • Bonus rates are capped at $2,500 in combined purchases each quarter
  • Foreign transaction fee is not stated on the page

Rates and fees

Annual fee
$0
Regular APR
17.49%–27.49% variable
Intro APR
0% for 15 mo purchases, 15 mo transfers
Balance transfer fee
3% for transfers in the first 60 days, then 5%
Foreign transaction fee
Not stated on the issuer's page
Minimum credit score
Not published by the issuer
  • The 0% intro APR is stated in billing cycles (15) and applies to balance transfers made in the first 60 days.

Figures read from bankofamerica.com on Sep 21, 2026. Terms change without notice, so confirm with the lender.

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