Bank of America® Customized Cash Rewards Credit Card
Customize where you earn more cash back, enjoy grocery rewards, and get Visa Signature perks with no annual fee.
- Annual Fee: $0
- Earning Rates:
- 3% cash back in your chosen category each month (within the quarterly cap)
- 2% cash back at grocery stores and wholesale clubs (within the same cap)
- 1% cash back on all other purchases
- Statement Credits & Perks:
- 0% intro APR for 15 billing cycles on purchases and balance transfers
- Visa Signature concierge and travel assistance
- Roadside dispatch service
- Extended warranty protection
- Museums On Us monthly access
- Up to 75% Preferred Rewards bonus
Credit Card Review
The Bank of America® Customized Cash Rewards Card gives you flexibility in how you earn rewards. Each month, you can choose a 3% cash back category such as gas, dining, travel, or online shopping. Grocery store and wholesale club purchases earn 2% cash back, while all other purchases earn 1%. A 0% intro APR applies for 15 billing cycles on purchases and balance transfers. After that, the standard variable APR applies.
The card also includes Visa Signature benefits such as concierge service, travel assistance, roadside dispatch, and extended warranty protection. Cardholders gain free admission once a month at select cultural institutions through the “Museums On Us” program. These perks add extra value to a no-annual-fee card. If you’re enrolled in Preferred Rewards, you can boost your cash back earnings by 25% to 75%.
Cash back can be redeemed as statement credits, direct deposits, or gift cards. The card works with Apple Pay, Google Pay, and Samsung Pay for secure, contactless payments. You’ll also get $0 liability fraud protection and helpful account alerts for spending and due dates. With its flexible reward categories and banking bonuses, this card is best for people who already bank with Bank of America and want to maximize rewards at no extra cost.
- Flexible 3% category you select each month
- No annual fee
- Visa Signature benefits add travel and lifestyle value
- Strong rewards boost with Preferred Rewards
- Intro APR helps with short-term financing
- 3% and 2% cash back capped each quarter
- You must manage your category choice for best results
- Regular APR can be high after intro offer
How to Apply for Bank of America® Customized Cash Rewards Credit Card
Check Eligibility
Verify Bank of America® Customized Cash Rewards Credit Card supports the transfer you need and check intro APR duration, transfer fees, and transfer deadlines.
Prepare Your Information
Prepare your personal info and the account details/balances you may want to transfer after approval.
Apply on the Issuer Site
Use the Apply button for Bank of America® Customized Cash Rewards Credit Card and complete the secure issuer application form with accurate information.
Review the Decision
If approved, confirm your starting credit limit and whether it can cover the balances you plan to transfer.
Activate and Set Up
Activate the card promptly and submit balance transfer requests early so they fall within any intro offer window.
Alex M.
"The rewards are straightforward and the mobile app made account setup quick."
Priya R.
"Good value for regular travel purchases and useful alerts for tracking spending."
Jordan T.
"The category rewards helped us reduce yearly grocery and gas costs more than expected."
Eligibility & Requirements
These are general credit card requirements. Exact approval criteria, minimum credit profile, and verification steps vary by issuer and product.
Age & Residency
Applicants are generally expected to be at least 18 years old (19 in some states) and provide a valid U.S. residential address.
Identity Verification
Most issuers require legal name, date of birth, Social Security number or ITIN, and contact details for identity checks.
Income Information
You may need to report total annual income, employment status, and housing payment so the issuer can evaluate repayment ability.
Credit Profile
Approval usually depends on your credit history, recent inquiries, and current debt levels. Required score range varies by issuer.
Application Accuracy
Details should match official records and your credit file to avoid extra verification steps or decision delays.
Final Issuer Decision
Meeting baseline criteria does not guarantee approval. Terms, limit, APR, and fees are determined by the issuer after review.
Common Questions
How do I apply for Bank of America® Customized Cash Rewards Credit Card?+
Use the Apply button on this page to go to the issuer site, complete the application with accurate personal and income details, and submit for a decision.
Can I get an instant decision for Bank of America® Customized Cash Rewards Credit Card?+
Many issuers provide an instant approval or pending message right away, but some applications are manually reviewed and can take longer.
Can I transfer balances right after getting Bank of America® Customized Cash Rewards Credit Card?+
Usually yes, but you should confirm the issuer process, transfer fee, and intro APR timing window immediately after approval.
Does Bank of America® Customized Cash Rewards Credit Card charge a balance transfer fee?+
Most balance transfer cards charge a fee per transfer. Always check the card terms to calculate whether the transfer still saves you money.
What is the biggest mistake when using Bank of America® Customized Cash Rewards Credit Card for transfers?+
Missing the intro-period deadline or adding new purchases that accrue interest can reduce the value of the balance transfer strategy.
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