Bank of America® Customized Cash Rewards credit card
on Bank of America's website, or call 877-754-6706
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
on Bank of America's website, or call 877-754-6706
Card details
$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 up to 5.25% cash back on purchases in your choice category.
No annual fee and no expiration on rewards
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% 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.
Rates, fees & offers
Annual fee
$0
Rewards rate
1%-3%
Bonus offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR
0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening
Ongoing APR
APR: 13.99% - 23.99% Variable APR
Penalty APR: up to 29.99%, Variable
Balance transfer fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR13.99% - 23.99% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APR0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
Rating details
4.5
Editor's overall rating
Pros and cons
Pros
No annual fee
New cardholder bonus offer
Intro APR period
Rotating bonus categories
Relationship rewards for customers
Cons
Requires good/excellent credit
Complicated rewards
Spending caps on bonus rewards
Best rewards limited to certain customers
The Bank of America® Customized Cash Rewards credit card can earn outstanding rewards rates — but only if you have a lot of money in Bank of America®-affiliated accounts. If not, your rewards rates will be only so-so.
The card itself offers 3% cash back in a category you choose and 2% at grocery stores and wholesale clubs on up to $2,500 in combined choice-category/grocery/wholesale club spending per quarter. All other purchases earn 1%.
But if you have at least $20,000 in combined accounts at Bank of America®, and/or Merrill, you can join the Preferred Rewards program and earn bonuses of 25% to 75%.
The card’s annual fee is $0. For more information, visit our full review.
