Bank of America® Customized Cash Rewards credit card | CompareCards.com

Bank of America® Customized Cash Rewards credit card

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Bank of America® Customized Cash Rewards credit card

 

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  • Regular APR 18.49% - 28.49% Variable APR
  • Intro Purchase APR 0% Intro APR for 15 billing cycles
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee $0
  • Credit Needed Good / Excellent
  • Card Brand Visa®
  • Regular Purchase APR 18.49% - 28.49% Variable APR
  • Intro Purchase APR 0% Intro APR for 15 billing cycles
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee $0
  • Credit Needed Good / Excellent
  • Card Brand Visa®

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

3% for 60 days from account opening, then 4%

Penalty APR

up to 29.99% APR

Ongoing Information

Rewards Rate

3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.

Annual Fee

$0

Expert Reviews

From the CompareCards.com Editorial Team, updated on Dec 02, 2024

The Bank of America® Customized Cash Rewards credit card is currently offering a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening - that’s an appealing offer. Cardholders will enjoy 0% Intro APR for 15 billing cycles on purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 18.49% - 28.49% Variable APR after the intro period. There is a balance transfer fee of 3% for 60 days from account opening, then 4%. There is also no annual fee associated with this card and you earn cash back rewards with every purchase: 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. Redeeming your cash back is easy — you can set up your account to receive your cash back by direct deposit to a checking or savings account, have it credited to your statement or sent to you by check.

Expert Reviews of the Bank of America® Customized Cash Rewards credit card

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 4.5

    Fees

  • 5.0

    Benefits

  • 5.0/5

    Overall Rating

The Bottom Line

The Bank of America® Customized Cash Rewards credit card is a good rewards card that offers a chance to earn fantastic cash rewards rates on your spending.

The Good

If earning cash back is your goal, the Bank of America® Customized Cash Rewards credit card is a good option for you. You can earn cash back on everything you buy and receive it in fast, easy, convenient ways and rewards do not expire as long as your account remains open.

The Not so Good

It’s a solid rewards card, but if you like to travel overseas, be aware that transactions made in a foreign currency and transactions made in U.S. dollars that are processed outside the United States are subject to a heavy surcharge of 3%.

Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of America.

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