Discover the ultimate convenience and personalized rewards with the Bank of America® Customized Cash Rewards Credit Card. Unlock a world of benefits designed to complement your lifestyle seamlessly. Enjoy a generous $200 online cash rewards bonus offer along with cash back on your routine expenditures. Whether it’s groceries, gas, or dining out, earn rewards effortlessly.

Explore the finer points of this card and find out why it could be the ideal match for your financial needs. Elevate your credit card experience with tailored rewards and unmatched flexibility.

Key information about the credit card

The Bank of America® Customized Cash Rewards Credit Card presents an enticing $200 online cash rewards bonus upon spending just $1,000 within your initial 90 days of account activation.

Moreover, enjoy a tailored rewards system offering 3% cash back in a category of your preference, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other transactions.

Select from a range of categories including gas, online shopping, dining, travel, drug stores, and home improvement, ensuring your rewards align perfectly with your spending habits. Maximize your benefits and elevate your financial experience with this versatile credit card.

How does the annual Fee work?

An outstanding highlight of this credit card is its lack of an annual fee, ensuring you reap its benefits without any extra yearly expenses. Whether you’re a regular or occasional cardholder, the absence of this fee adds to the allure of the card.

Enjoy the perks and rewards without any concerns about ongoing costs, making it an even more enticing option for managing your finances. With no annual fee, this card offers unparalleled value and flexibility, empowering you to make the most of your financial opportunities worry-free.

How is the credit limit determined?

The credit limit for the Bank of America® Customized Cash Rewards Credit Card is determined through a comprehensive assessment of several factors, such as your credit history, income level, and current financial commitments.

Bank of America meticulously evaluates these elements to allocate a credit limit that reflects your unique financial situation. By considering these key factors, the bank aims to provide you with a credit limit that aligns perfectly with your financial profile, ensuring responsible usage and optimal benefits from your credit card.

Advantages of the credit card

One of the standout benefits of this credit card lies in its remarkable flexibility when it comes to earning cash back rewards. By empowering you to select your preferred 3% cash back category, it allows for personalized rewards tailored to your specific spending patterns.

Whether you’re an avid traveler, a culinary connoisseur, or a DIY enthusiast, there’s a category perfectly suited to your lifestyle. This unique feature ensures that you maximize your rewards by earning cash back on the purchases that matter most to you, making it an ideal choice for individuals seeking tailored benefits and flexibility.

Highlight advantage

The $200 online cash rewards bonus offer is undeniably one of the most enticing advantages of this credit card. Simply by meeting the minimum spending threshold within the designated timeframe, you can unlock a substantial cash bonus, providing a significant boost to your rewards earnings from the very start.

This compelling incentive serves as a fantastic opportunity to kickstart your cash back accumulation, offering immediate gratification and value. Whether you’re looking to jumpstart your rewards journey or simply enjoy a little extra cash in your pocket, this bonus offer makes the Bank of America® Customized Cash Rewards Credit Card an appealing choice for savvy consumers.

Disadvantages

Despite its numerous benefits, it’s crucial to acknowledge potential drawbacks of the Bank of America® Customized Cash Rewards Credit Card. One notable disadvantage is the foreign transaction fee, which may be incurred for purchases made outside the United States, potentially adding to your expenses when traveling internationally.

Additionally, some categories may have quarterly maximums for earning bonus cash back, imposing limits on your rewards potential during certain periods. It’s essential to weigh these factors against the card’s advantages and your spending habits to determine if it aligns with your financial goals and lifestyle.

Highlight disadvantage

Indeed, the foreign transaction fee poses a notable inconvenience, particularly for cardholders who frequently engage in international travel or make purchases from foreign merchants. This additional fee can accumulate rapidly, potentially diminishing the value of your cash back rewards, especially for those who travel often.

The impact is particularly pronounced for frequent travelers, as the fee can significantly offset the benefits of earning cash back rewards on their purchases abroad. Therefore, it’s essential for such individuals to carefully consider this drawback and explore alternative options if international spending is a significant part of their lifestyle.

Who can apply for this card?

The Bank of America® Customized Cash Rewards Credit Card is available to individuals who meet the To qualify for the Bank of America® Customized Cash Rewards Credit Card, applicants must meet the bank’s credit criteria. This includes having a good to excellent credit score, which signifies responsible credit management and a solid repayment history.

Additionally, applicants must be at least 18 years old and possess a valid Social Security number. These requirements ensure that cardholders have the financial stability and responsibility necessary to manage a credit card effectively. By adhering to these eligibility criteria, applicants can increase their chances of approval and enjoy the benefits offered by this rewarding credit card.

How to apply for the card

• Through the website: To apply for the Bank of America® Customized Cash Rewards Credit Card online, visit the Bank of America website and navigate to the credit card section. From there, you can explore the card’s features, review the terms and conditions, and submit your application securely.
• Through the app: Alternatively, you can apply for the credit card through the Bank of America Mobile Banking app. Simply download the app from the App Store or Google Play Store, log in to your account, and follow the prompts to apply for the card.
• In person: If you prefer a more personalized approach, you can visit a Bank of America branch and speak with a banking representative to apply for the credit card in person. The representative can guide you through the application process and address any questions or concerns you may have.