U.S. Pride® Customized Cash Rewards
Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The U.S. Pride® Customized Cash Rewards from Bank of America earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the U.S. Pride Customized Cash Rewards earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how U.S. Pride Customized Cash Rewards compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight music and audio at 3x.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how U.S. Pride Customized Cash Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the U.S. Pride Customized Cash Rewards reward caps and conditions?
The U.S. Pride Customized Cash Rewards has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Automatic 2% cash back at grocery stores and wholesale clubs. Earn 3% 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. Capped at $2500 per quarter.
- Choose which category you want to earn 3% cash back in: 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. Earn 3% 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. Capped at $2500 per quarter.
Who should get the U.S. Pride Customized Cash Rewards?
The U.S. Pride Customized Cash Rewards fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
U.S. Pride Customized Cash Rewards fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the U.S. Pride Customized Cash Rewards have an annual fee?
The U.S. Pride Customized Cash Rewards has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
Related encyclopedia topics
Common questions about the U.S. Pride Customized Cash Rewards
Where do cardholders spend most with the U.S. Pride Customized Cash Rewards?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (3x), tv and movies (3x), coffee (3x) for the U.S. Pride Customized Cash Rewards. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is a Bank of America customized cash rewards card worth it?
The U.S. Pride® Customized Cash Rewards from Bank of America earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
Does the U.S. Pride Customized Cash Rewards have an annual fee?
The U.S. Pride Customized Cash Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the U.S. Pride Customized Cash Rewards?
Dining is the strongest Madeen category for the U.S. Pride Customized Cash Rewards at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the U.S. Pride Customized Cash Rewards charge foreign transaction fees?
The U.S. Pride Customized Cash Rewards charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the U.S. Pride Customized Cash Rewards?
Madeen's catalog lists a typical credit range of Good for the U.S. Pride Customized Cash Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the U.S. Pride Customized Cash Rewards compare to similar cards?
Compare the U.S. Pride Customized Cash Rewards against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
U.S. Pride Customized Cash Rewards This card | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure