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 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, 18.24% - 28.24% 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 on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days
Ongoing APR
APR: 18.24%-28.24% Variable APR
Cash Advance APR: See Terms
Penalty APR: 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
| Learn more | ||
Annual fee$0 | Annual fee$99 | Annual fee$95 |
Regular APR18.24%-28.24% Variable APR | Regular APR19.24%-27.24% Variable APR | |
Intro APR0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days | Intro APR0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
4
Editor's overall rating
Pros and cons
Pros
No annual fee
New cardholder bonus offer
Rotating bonus categories
Relationship rewards for customers
Intro APR period
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.
