Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Ashley Parks, BankrateCards where you can select your bonus categories are becoming more popular, and the Bank of America Customized Cash Rewards credit card is one of the most flexible and rewarding choice category cards, especially for Bank of America Preferred Rewards® members. But the quarterly spending limit could b...
- Ben Luthi, SlickDealsThe Bank of America® Customized Cash Rewards credit card is a solid choice for many people who want to maximize their everyday spending. The card is one of the top cash-back credit cards on the market because it provides flexibility with its top rewards bonus category. It’s especially worth consider...
- Claire Tsosie, NerdWalletThe option to choose your 3%-back category is appealing, if a bit complicated. If you qualify for the Bank of America Preferred Rewards® program, the card can be even more valuable. But its spending caps mean it's not a strong choice for big spenders.
- Yury Byalik, Dylan Pearl, ForbesFinding the balance between every user’s ideal credit card and every credit card offer’s ideal user can be tricky. While the card’s limits put a damper on its ability to compare well to competitors, its flexibility in category reward earning might be a promising feature for some. For those intereste...
- Emily Sherman, CreditCards.comThe Bank of America Customized Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 combined spending cap on bonus category rewards limits how much cardholders can earn.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
18.24% ‐ 28.24% (Variable) (0% for the first 18 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
18.24% ‐ 28.24% (Variable) (0% for the first 18 months)
|
| Cash Advance Interest Rate |
21.24% ‐ 30.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
3% |
| Cash Advance Fee | 3% |
| Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
| Over Limit Fee |
$0.00 |
| Late Payment Fee |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
$200 after spending $1,000 On purchases within the first 3 months. |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas | No |
| Groceries |
2% cash back On up to $2,500 of quarterly spending |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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