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Bank of America Customized Cash Rewards credit card

Bryan Campos
April 23, 2024

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With the ability to customize your rewards, the Bank of America Customized Cash Rewards credit card stands out for its flexibility and cashback returns, adapting to your needs and spending habits.

Imagine the freedom to choose where you earn the most cash back, whether at gas stations, supermarkets, or even online purchases. This card allows you to maximize your earnings according to your preferences, with no annual fee and a variety of redemption options.

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Keep reading to discover all the details about the issuer, card benefits, how to apply, and much more. Let’s dive into the advantages of this incredible payment method and how it can simplify your financial life!

About the Issuer

Bank of America is one of the largest banks in the United States, known for its solidity and reliability. With a long history of financial services, it offers a wide range of products from checking accounts to investments, always focusing on customer satisfaction.

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The institution is recognized for its excellent digital infrastructure, allowing customers to manage their accounts easily through mobile apps and online platforms. Moreover, Bank of America has a robust security system to protect transactions and personal information.

Whether you’re a new customer or already familiar with the bank’s services, the Bank of America Customized Cash Rewards card is an extension of the quality and trust the institution offers. Now, let’s take a closer look at the specific benefits of this card.

Benefits

Customized Cashback: Choose your 3% cashback category from options like gas, online shopping, restaurants, travel, pharmacies, and home improvements, plus 2% at supermarkets and wholesale clubs, and 1% on all other purchases.

No Annual Fee: The Bank of America Customized Cash Rewards card has no annual fee, making it an economical option to maximize rewards without additional costs.

Welcome Offer: New cardholders can earn a $200 cashback bonus after spending $1,000 within the first 90 days of account opening, an excellent way to start off on the right foot.

Intro APR: Enjoy a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles.

International: Make purchases domestically and internationally with the Visa Signature network.

Customized Cash Rewards Card Fees and Comissions

This credit card offers an introductory rate of 0% for purchases and balance transfers for the first 15 statement closing dates, followed by a variable rate of 18.24% to 28.24%, depending on your financial solvency.

Cash advances have a rate of 21.24% to 29.24% for direct deposits and checks, and 29.24% for advances via banks. A penalty rate of up to 29.99% may be applied to new transactions in case of late payment, and this rate may remain indefinitely.

Full payment of purchases by the billing cycle due date avoids interest charges on those transactions. It’s important to note that fees may be updated by the bank, so for detailed commissions, visit the Bank of America official website.

Credit card limit

The credit limit for the Bank of America Customized Cash Rewards card varies based on customer profile, credit history, and income. It’s generally recommended to have good to excellent credit.

The exact limit will be determined after reviewing your application, ensuring the offered amount meets your financial needs. Additionally, the bank may automatically increase your limit later on.

Positive points

Category flexibility:
Adjust your preferences to maximize cash back returns according to your monthly needs.
No annual fee:
Use the card without worrying about annual costs.
Access to exclusive offers:
Benefit from exclusive promotions and discounts for cardholders.

Negative points

International transaction fees:
Additional costs on purchases outside the U.S.
Credit requirement:
Good credit history required for approval.
Initial bonus limitation:
The signup bonus requires high initial spending.

How to apply for Customized Cash Rewards

Applying for the Bank of America Customized Cash Rewards card is simple and quick. Follow these steps:

Visit the Bank of America website;
Go to the Bank of America Customized Cash Rewards credit card page;
Click on “Apply Now“;
Fill out your personal information, such as name, address, and financial details;
Review the terms and conditions;
Submit your application and wait for approval;
Upon approval, receive your card;
Activate the card through the Bank of America website or mobile app;
Start using it and earning rewards!

You will be redirected to the card website

How to contact Customized Cash Rewards

To contact the credit card customer service, including reporting lost or stolen cards, use the following phone number:

Phone: 800.732.9194

The Bank of America Customized Cash Rewards credit card is a flexible credit card packed with benefits, ideal for those who want to customize their cashback earnings and enjoy a range of advantages without an annual fee. Don’t wait any longer — apply today to start maximizing your rewards!