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...
- Cynthia Bowman, GOBankingRatesHas some solid strengths when it comes to a low-fee rewards credit card. If all else fails and you don’t want to track your spending, you can rest assured that you’ll earn at least 1% back on your purchases.
- Ben Luthi, Kara Coleman Fields, Ray Frag, U.S. NewsOffers flexibility to cardholders by allowing them to choose their 3% cash back category and to change it monthly. Cardholders earn bonus rewards on this category as well as 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined purchases each quarter; other purchases receive...
- Garrett Yarbrough, Nouri Zarrugh, Brady , BankrateChoice category cash back cards seem to be picking up a little steam, but the Bank of America Customized Cash card keeps its unique degree of flexibility by being the only card that allows you to swap your boosted cash back categories each month. It’s especially suited for big month-to-month expense...
- Emily Sherman, CreditCards.comThe Bank of America Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 spending cap on bonus category rewards limits how much cardholders can earn.
- Holly Johnson, Madeline Simpson, The BalanceA solid way to earn cash back on your grocery and wholesale club spending, and it lets you earn at an even higher rate on your choice of six popular spending categories. The fact that it also has no annual fee and comes with a very competitive sign-up bonus also work in its favor. But there are limi...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
14.24% ‐ 24.24% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
14.24% ‐ 24.24% (Variable) (0% for the first 15 months)
|
| Cash Advance Interest Rate |
17.24% ‐ 27.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
3% Minimum of $10 |
| Cash Advance Fee |
3% For Direct Deposit and Check Cash Advances or $10 whichever is greater. 5% for ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances or $10 whichever is greater. |
| 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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