Bank of America® Customized Cash Rewards credit card

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Bank of America® Customized Cash Rewards credit card

 

Rated 5/5.0 stars by our editorial team

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5/5.0 from 38 Offer Ratings
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®
  • Regular Purchase 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®

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.
  • 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.

 
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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, updated on Dec 01, 2022

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

  • 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

star rating

OFFER RATING

5.0/5.0

38 Total Ratings

5 STARS

(14)

4 STARS

(8)

3 STARS

(9)

2 STARS

(3)

1 STAR

(4)

YOUR RATING

 

Rated 5/5.0 stars by our editorial team

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Change my rating to: Average

5/5.0 from 38 Offer Ratings
Over the Past 60 Days!

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