Bank smarter, not harder—choose where you earn top cash back rates with ease. Discover the Bank of America Customized Cash.
Bank of America puts the power of choice in your hands with the Customized Cash Rewards credit card, a no annual fee option that keeps things simple while offering high rates.
With this card, you call the shots on your bonus rewards category, whether it’s gas, online shopping, dining, travel, drug stores, or home improvements and furnishing. Plus, score unlimited 1% cash back on all other purchases and a welcome bonus. And if you’re already a Bank of America customer, this card becomes even more valuable. It’s a top contender in the credit card game, right?
Bank of America Customized Cash Rewards
High rewards rate $200 bonus cash backCustomized Cash Back
While the default 3% cash back category for the Bank of America Customized Cash Rewards Credit Card is gas, you have the flexibility to switch it up online or through the mobile app to suit your spending habits each month. When it comes to the 3% cash back, you’ve got options:
- Gas/EV charging
- Online shopping (including Cable, Streaming, Internet and Phone services such as Amazon, Best Buy, Apple and more)
- Dining (sit-down restaurants, fast-food restaurants, bars, cocktail lounges, nightclubs, taverns and more)
- Travel
- Drugstores
- Home improvement and furnishings (Ace Hardware, Williams-Sonoma, air conditioning repair, plumbers, landscapers, antique shops, florists and much more).
On top of that, score 2% cash back on grocery stores and wholesale clubs for the initial $2,500 of combined bonus category, grocery store, and wholesale club spending per quarter, and 1% back on all other purchases.
Redeeming Rewards
And as if aligning your rewards with your spending habits wasn’t already a win, redeeming them is a piece of cake. It’s simple, hassle-free, and you can even set up automatic redemptions. You can do it like this:
- Statement credit
- Direct deposit into an eligible Bank of America account
- Credit to an eligible account with Merrill
- Check, with minimum redemption of $25
- Contribution to a 529 account with Merrill, with minimum redemption of $25
Even though you can opt for automatic redemptions to a Bank of America or Merrill account, your rewards will never expire. So, no need to stress if you forget to cash them in!
Bank of America Customized Cash Rewards Credit Card benefits
Bonus after approval
While many cards with high cash back rates skip the welcome bonus, the Bank of America Customized Cash Rewards Credit Card aims to supercharge your earnings and simplify your life. That’s why new cardholders score a $200 cash back bonus after spending just $1,000 in purchases within the first 90 days of account opening. You can use it as a statement credit or pocket it via direct deposit. And here’s the bonus: if you use it for your customized purchases, meeting the welcome offer requirement is a breeze.
$0 Annual Fee
Most rewards cards tack on annual fees to balance the cost of providing users with cash back, points, and miles, but Bank of America Customized Cash Rewards understands that these fees can sometimes feel like a trap. That’s why this credit card skips the fees altogether, offering you the flexibility to use it as you see fit.
Introductory APR promotion
The Bank of America Customized Cash Rewards Credit Card comes with a standout introductory APR on balance transfers that holds its ground. For the first 15 billing cycles after account opening, enjoy a 0% introductory APR on both balance transfers and purchases made within the first 60 days. So, if you’re carrying a balance, this card can help you save on interest for both existing debt and new purchases. Because let’s face it, sometimes it’s not just about the rewards.
Loyalty bonuses
While this credit card comes with a host of perks on its own, you can kick your earnings up a notch with loyalty bonuses. The beauty of this program is that you can score an extra 25% to 75% on your Bank of America credit card rewards, along with other benefits. Simply combine balances in Bank of America or Merrill accounts and watch your earnings soar.
Stay Protected
Rest easy knowing that if your card is lost, stolen, or used fraudulently, you’re covered by Visa’s security measures. Bank of America Customized Cash Rewards Credit Card offers security on purchases and safeguards against unauthorized charges, giving you peace of mind.
Overdraft protection
Had enough of declined purchases, returned checks, or other overdraft headaches? Link your Bank of America Customized Cash Rewards Credit Card to a Bank of America checking account, and voila! You’ve got yourself overdraft protection.
Digital Wallet Availability
Forget about lugging your wallet everywhere—Bank of America Customized Cash Rewards Credit Card makes it practical. Compatible with Google Pay, Apple Pay, and Samsung Pay, this card streamlines your payments, making life easier than ever!
Museums On Us
For more than two decades now, Bank of America credit and debit cards have been granting cardholders complimentary general admission to over 225 cultural institutions. Happening every first weekend of the month, all you need to do is show your Bank of America card along with a valid photo ID to enjoy free entrance.
Who can apply?
While a credit score of at least 690 is required, if you’re 18 years or older and residing in the U.S., you’re eligible to apply for this credit card.
How to apply?
Applying for a Bank of America Customized Cash Rewards Credit Card is easier than you think:
- Go to the Bank of America website and look for Bank of America Customized Cash Rewards Credit Card
- Click on Apply Now
- Read Terms and Conditions
- Fill your personal and financial details
- Submit your application
Frequently asked questions
Can I manage my Bank of America credit card account from almost anywhere?
Yes, whether you use online or mobile banking, you can access your account wherever you are..
Do I need to pay to enroll in the Rewards program?
Believe it or not, signing up is totally free and you don’t need to purchase anything.
How can I increase my credit limit?
If you are eligible, you can request a credit limit increase online, on the other hand, you can do it by calling the number located on the back of your credit card.
What is the credit limit on Bank of America Customized Cash Rewards Credit Cards?
Your credit limit will likely be based on your creditworthiness.
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