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Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 43 Offer Ratings
Over the Past 60 Days!

(43) Over the Past 60 Days!

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  • Regular APR 17.74% - 27.74% Variable APR
  • Intro Purchase APR 0% Intro APR for 18 billing cycles for purchases
  • Intro BT APR 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Visa®

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 800-716-6383.
  • $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.
  • If you're a 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 no expiration on rewards.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • 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.

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.

Cash Advance Fee See Terms

Penalty APR up to 29.99% APR

Ongoing Information

Rewards Rate 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

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection No

Travel Assistance Yes

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service Yes

Expert Reviews

From the CompareCards.com Editorial Team

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 18 billing cycles for purchases and 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 17.74% - 27.74% Variable APR.

There is also no annual fee associated with this card and you earn great cash back rewards with every purchase: 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. 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

  • star rating 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. There are other features like overdraft protection, too, and the interest rate is reasonable.

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.

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.

Consumer Reviews

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Offer Rating

4.3/5.0

43 Total Ratings

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