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I Write About Credit Cards Every Day. Why I Love My Bank of America® Customized Cash Rewards Credit Card

By U.S. News & World Report

For more than 20 years, I have carried the Bank of America® Customized Cash Rewards credit card in my wallet. It remains my go-to credit card because of the flexibility of the cash rewards associated with it.

Here is what I love about the Bank of America® Customized Cash Rewards credit card as well as some minor drawbacks to consider before you apply.

[Read: Best Credit Cards]

Why I Love My Customized Cash Rewards Card

I’ve always been a careful spender and have never carried a balance on my credit cards. Instead, I use them strictly for the convenience and security they offer and to collect rewards.

I also prefer cash back rewards because they give me the flexibility to use the cash to find other deals.

The Bank of America® Customized Cash Rewards credit card allows me to get 3% back on most online purchases that I make. Through that spending category, I also get 3% back on cable, streaming, internet and phone plan purchases. In addition, I earn 2% cash back on grocery and warehouse purchases, and 1% cash back on everything else. (Take note that the bonus rewards categories drop to 1% back after you hit the $2,500 quarterly maximum.)

[Read: Cash Back Credit Cards]

More Reasons to Love the Customized Cash Rewards Card

The Customized Cash Rewards card offers flexibility in how you earn rewards. I have set up my card so my 3% cash rewards are tied to online purchases, but BofA allows you to choose from these other categories for your 3% reward:

— Gas and EV charging stations

— Dining

— Travel

— Drugstores/pharmacies

— Home improvement/furnishings

You have the option of changing your category each month. So, you can plan big purchases in a way that allows you to swap categories right before you shop, then change your category back the following month.

Those who sign up for the Customized Cash Rewards card can enjoy an additional 3% cash back in their favorite category for the first year they own the card. That brings their cash back rewards up to 6% in their favorite category for 12 months.

You can earn even higher cash back rewards if you qualify for BofA’s recently revamped Preferred Rewards program. To be eligible for the biggest bonus, you must have high combined balances at Bank of America or Merrill.

[Read: Rewards Credit Cards]

Here are the balances you need to earn bigger rewards:

— Member: Combined balance of less than $30,000 gets you a 10% rewards bonus.

— Preferred Plus: Combined balance of $30,000 to $99,999 gets you a 25% rewards bonus.

— Preferred Honors: Combined balance of $100,000 to $999,999 gets you a 50% rewards bonus.

— Premier: Combined balance of $1 million and above gets you a 75% rewards bonus.

The Bank of America® Customized Cash Rewards credit card has no annual fee.

Why You Might Want to Pass

The Customized Cash Rewards card has a few minor drawbacks. For starters, rewards are limited in the top two tiers — 3% and 2% cash back — to $2,500 in combined purchases for each quarter. After that, all purchases earn 1% cash back. If you spend more than that in the bonus categories, you might want to pair this card with a high flat-rate cash back card.

In addition, the card has a 17.49% to 27.49% variable APR on purchases. That means those who carry a balance on the card from month to month could quickly see interest costs wipe out the benefit of any cash back they earn.

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I Write About Credit Cards Every Day. Why I Love My Bank of America® Customized Cash Rewards Credit Card originally appeared on usnews.com

A young mother’s killing went unsolved for nearly 40 years. Then the phone rang

By CNN
(CNN) — Melissa “Missy” Taylor Ellison’s killing remained a mystery for decades after she was found dead in her bedroom and her 13-month-old daughter was left crying in the living room.For years, Casie Ellison said she felt like she had to shrink herself and bury her feelings about the death of her mother.About 25 years after her mother was killed, those emotions were brought out when Casie realized her own daughter was now the same age she was when her mother died.“It just took me understanding that this is a little Casie,” she said. “I was seeing myself.”On July 8, more than 38 years after her mother’s killing in Jacksonville, Florida, the Clay County Sheriff’s Office received a call from a man wanting to come forward with information on a cold case.Gary Glowacz, a 70-year-old man from Middleburg, Florida, told a Clay County sergeant he wanted to “set things straight” on the death of 20-year-old Melissa Ellison, saying he had hit her with a log in search of money during a burglary, according to his arrest report.Glowacz told Jacksonville Sheriff’s Office Cold Case Unit detectives that in March he came across an article detailing Melissa Ellison’s case and realized he was responsible for her death, according to his arrest report.Glowacz was charged with second-degree murder and armed burglary with assault or battery, according to charging documents. His attorney and the district attorney declined to comment.He’s being held without bond in the Duval County Jail, and his next court appearance is set for Thursday.No arrests were made during the initial investigation in connection with Melissa Ellison’s killing, according to the arrest report.The night of her deathOn December 28, 1987, Melissa Ellison, who was known as Missy Taylor by her family and friends, was found dead in her bedroom by her two roommates, the arrest report says.The medical examiner’s office ruled the manner of death as a homicide and the cause of death to be blunt force trauma to the head at the time of the killing, according to the arrest report.Glowacz told detectives he was looking for money or items to sell to buy drugs, according to the arrest report detailing their interview with him. Glowacz lived only half a mile away from the home Melissa Ellison was living in, according to law enforcement databases. He was arrested on suspicion of a separate burglary the same day she was found dead, the arrest report says.Glowacz, who was 31 at the time, breached the home through a window and made his way into Melissa Ellison’s bedroom, where he found her lying on the bed with her daughter Casie, according to the arrest report. Using a log he found in the house, he struck her one time on the head by her neck, he told detectives. He then picked Casie up, placed her on the couch in the living room and went back into the bedroom to look for money under her mattress.In the arrest report, detectives noted Glowacz recounted details of the crime scene that were not released and were not included in the article he saw earlier this year.When asked why he was confessing to the killing decades later, he said that he was not aware the victim had died until he saw the article about the case.Casie Ellison said she was the first call detectives made that night after they arrested Glowacz.“It felt exactly how I was hoping that it would feel every time I imagined that it would be possible,” Casie Ellison said.Casie Ellison’s aunts Glenda Blandford and Sissy Bennett, who were 17 and 15 respectively at the time of their sister’s death, were the next two calls made.“I knew in my heart, I knew in the back of my mind that this is it. Something’s happened,” Bennett said of the moment she got the phone call.The case was unsolved for decadesBlandford and Bennett recount the heartache their family went through after their sister’s death. For years, their parents would chase any lead they could find, bringing it to the Jacksonville Sheriff’s Office to investigate, but to no avail, they said.“I carried my mother so many times down to the sheriff’s office. I watched everything that she went through, and I had to be the stronger one because … I had to be there for her while my dad continued to work,” Blandford said. “And I watched every disappointment, I watched every ounce of hope.”In 2019, their mother, Catherine Taylor, died not knowing what happened the night her daughter Melissa was killed.A year earlier, a friend of Bennett’s submitted Melissa Ellison’s case to Project: Cold Case, a nonprofit that provides support to families of unsolved homicide victims. The organization created a site for her story with all the information the family had gathered over the years.In January 2026, six months before Glowacz confessed to the killing, Project: Cold Case and Ellison’s family were part of a news conference with First Coast Crime Stoppers.“Someone knows exactly what happened that night. Someone remembers a detail that has never been spoken,” Casie Ellison said at the January news conference. “Someone has lived with this knowledge for nearly four decades. And someone listening to this right now knows that this is about them.”The Jacksonville Sheriff’s Office credited the January news conference for aiding in the investigation, adding that some information that came forward played a role in the recent arrest, it said in July.“While his arrest cannot fill the enormous void left in the hearts of Melissa Ellison’s loved ones, I hope that this arrest is another step in the healing process,” Sheriff T.K. Waters said in July.Remembering MissyAfter nearly 40 years of no answers, this arrest might seem like it would be a weight lifted off the family’s shoulders, but Blandford, Bennett and Casie Ellison say they don’t feel relief yet.Both Blandford and Bennett said there isn’t a day that goes by when they don’t think of their sister. When Blandford moved to the beach five years ago, she thought of Missy, who loved the beach. She’s memorialized in the purple “Reign” Jeep Wrangler Bennett purchased because of Missy’s favorite song, “Purple Rain” by Prince. She lives on through Casie Ellison, who has three children of her own now.The journey toward healing continues for the family, as they try to navigate the new feelings that come with the recent developments. For Casie Ellison, this case has been her whole life.“There was no ‘before the incident’ for me,” Casie Ellison said.For the family, the loss has extended beyond losing Missy. The family lost three other relatives after her death.“I don’t know if justice would ever be officially served,” Casie Ellison said. “There’s been so much loss just from the grief and the no answers of this being such a long process. I think maybe had it been sooner, especially when my grandma was alive, and she would have been able to see there be some type of wrap to this in her lifetime, it might be a different answer.”Before finding out about Glowacz’s arrest, the family was planning a remembrance party for Missy with all her loved ones. Blandford says the party is still planned, but with a renewed prayer.“We’re still praying for justice,” Blandford said. “(We) pray and beg that God sheds serious light on this case and gives guidance to the hands of all the detectives … and that this case gets its proper justice, because right now, we’re sitting on an arrest, not justice.”The-CNN-Wire™ & © 2026 Cable News Network, Inc., a Warner Bros. Discovery Company. All rights reserved.
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