Too many credit cards ask you to earn rewards on their terms: 3% here, 2% there. But what if there were a card that let you earn cash back on the things you actually spend the most on?Luckily, there is: the Bank of America® Customized Cash Rewards credit card. With Bank of America Customized Cash Rewards, you can earn 6% cash back for the first year in the category of your choice -- and you'll get it for no annual fee.Here's how to earn this valuable bonus, plus everything else to know about the Bank of Ame ...

Debit cards are a fast and easy way to pay. And they can feel "safer" than credit cards, because they don't allow you to rack up debt.But in the wrong place, a debit card can expose your checking account to fraud, lock up your cash for days, or leave you scrambling to fix a mess.Here are three places where using a debit card just isn't worth it -- and what to use instead.1. Gas stationsGas pumps are magnets for "skimmers" -- devices that thieves attach to card readers in order to steal your card info.If a c ...