Bank of America Cash Rewards Visa lets you choose your cash back categories every quarter. You automatically earn 1% cash back on all purchases and 2% cash back on grocery stores and wholesale stores. Every quarter, you get to select a category to earn 3% cash back in additoin to the 2% and 1% mentioned. Those categories include gas stations, online shoping, dining, travel, drug stores, and home improvement. You must login each quarter to change your categories for the 3% cash back. Set a reminder to log in every three months so you ensure you maximise your rewards.