Disclaimer: This article is for informational and entertainment purposes only. It is not financial advice. Please do your own research before making any financial or purchasing decisions.

Background

As I mentioned in a previous article, if you’re a sports card collector who buys cards online, the Bank of America Customized Cash credit card could be a great option. The usual caveats apply: it’s only good if you pay off your balance in full each month, if this money you are already spending on sports cards, etc.

The Customized Cash card is particularly appealing with its recently released offer of 6% cash back in your top spending category (including online shopping) for the first year, up to $2,500 in purchases per quarter. After the first year, this will go back down to the normal 3% in your chosen category, which is still strong (especially given there’s no annual fee).

Why I Chose This Card as a Sports Card Collector

As someone who buys the majority of my cards on eBay, this offer immediately caught my attention. I’m always looking for ways to stretch my collecting budget, and the ability to earn 6% cash back on eBay purchases—without any extra fees—was too good to pass up. My plan is simple: use this card exclusively for eBay purchases, maximize the cash back each quarter, and let those rewards help fund even more additions to my collection. Even after the first year, the ongoing 3% back on eBay is better than what I can get from almost any other card.

Why This Offer Stands Out for Sports Card Buyers on eBay

• eBay Accepts Credit Cards Without Extra Fees: Unlike some platforms, eBay doesn’t charge buyers extra for using a credit card, so you can maximize rewards without hidden costs.
• Online Shopping Category Includes eBay: You can set your 6% category to online shopping, which covers eBay purchases—perfect for hobbyists who buy singles or lots online.
• No Annual Fee: Keep the card long-term for ongoing 3% rewards, which is among the best rates available for eBay purchases.
• $200 Sign-Up Bonus: Spend $1,000 in the first 90 days and you’ll get an extra $200 cash back.

The Upside: How Much Can You Earn?

If you maximize the 6% cash back, you can earn up to $150 per quarter, or $600 in the first year, just from sports card purchases on eBay:

• Quarterly cap: $2,500 in purchases × 6% = $150 cash back per quarter
• Annual max: 4 quarters × $150 = $600 cash back in year one
• Example: If you spend $10,000 on sports cards on eBay in your first year, you’ll hit the cap and get the full $600 back.

Plus, you’ll get the $200 sign-up bonus if you meet the minimum spend, bringing your total potential first-year reward to $800.

Why It’s a Slam Dunk for Collectors

For sports card buyers, especially those who make regular eBay purchases, this card with the new offer is extremely compelling. You’re getting top-tier cash back on a platform you already use, with no annual fee and still getting a sign-up bonus. After the first year, the 3% cash back on eBay is still hard to beat—especially since most other cards don’t offer a bonus category for online shopping or collectibles.

Final Thoughts

If you’re looking to stretch your sports card budget further, the Bank of America Customized Cash Card’s 6% cash back offer is the best way to do it (in my opinion at least). With the ability to earn up to $800 in rewards in your first year (including the sign-up bonus) and ongoing 3% back on eBay purchases, it’s a powerful tool for collectors who want to get more out of every dollar spent.