How to Apply for Bank of America Customized Cash Rewards Credit Card

The Bank of America Customized Cash Rewards Credit Card offers 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs, and 1% on other purchases. Enjoy no annual fee, potential for up to 75% extra cash back with Preferred Rewards, and a 0% introductory APR period.

Por: Linda Carter em 27 de October de 2025

Discover the Benefits of the Bank of America Customized Cash Rewards Credit Card

Cash Back on Every Purchase

The Bank of America Customized Cash Rewards Credit Card offers a flexible cash back program that tailors to your spending habits. You can earn 3% cash back on a category of your choice, such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. This means if you tend to spend more on dining out, you can select that category to maximize your rewards. Additionally, you earn 2% cash back at grocery stores and wholesale clubs, and 1% on all other purchases. To make the most of this benefit, assess your spending habits regularly and adjust your 3% category as needed. You can choose a new category once each calendar month, ensuring your choice reflects your current spending.

No Annual Fee

Another standout feature is that this credit card comes with no annual fee. This can save you money each year compared to cards with annual fees, especially if you’re someone who primarily uses your card for the rewards program. Ensuring you pay your balance in full each month can help you maximize the card’s benefits without incurring interest charges that might offset the rewards.

Preferred Rewards Program

If you’re a Bank of America customer, you might qualify for the Preferred Rewards program, which provides even more cash back bonuses. Depending on your tier in the program, you can receive a cash back bonus of 25% to 75%. For instance, if you choose gas as your 3% category, with a 75% bonus, that cash back rate can transform into 5.25%. Be sure to check your eligibility and sign up if you’re a qualifying customer, as these extra rewards can significantly boost your cash back earnings.

Introductory APR Offer

The card also features an introductory 0% APR on purchases and balance transfers for a specified period. This can be particularly advantageous if you have large purchases planned or need to transfer existing high-interest balances to consolidate and save on interest. Take advantage of this offer by planning significant expenses within this promo period to avoid paying interest, but remember, after the introductory period, the usual interest rates will apply.

Category	Details
Cash Back Rewards	Earn 3% cash back on online shopping and 2% on grocery store purchases.
Flexible Redemption	Redeem rewards directly for statement credits, gift cards, or even travel expenses.

Requirements for the Bank of America Customized Cash Rewards Credit Card

The applicant must be at least 18 years old, which is the minimum legal age for holding a credit card in the United States.
A minimum credit score of 670 is typically required. Your credit score is a crucial financial indicator, reflecting your reliability in managing credit. An example of achieving this score is by consistently paying your bills on time.
Proof of income is necessary to ensure you have the means to repay any credit balance. This typically includes recent pay stubs or tax returns for self-employed individuals.
Identification documentation, such as a valid Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN), is required to verify your identity.
A U.S. address is essential. This residency requirement ensures that the cardholder can be reached for official communication and billing purposes.

SEE HOW TO GET YOUR BANK OF AMERICA CUSTOMIZED CASH REWARDS CREDIT CARD

How to Apply for the Bank of America Customized Cash Rewards Credit Card

Step 1: Visit the Bank of America Website

Start by navigating to the official Bank of America website. You can do this by typing www.bankofamerica.com into your web browser’s address bar. Once there, look for the “Credit Cards” section, which is typically found in the main navigation menu. Select the “Customized Cash Rewards Credit Card” to view more details about the card’s benefits and terms.

Step 2: Review the Card Details and Eligibility

Before proceeding, take the time to carefully review the details about the credit card. This includes understanding the cash back rewards, annual fees, and interest rates. Familiarize yourself with the eligibility requirements to ensure you qualify. Consider if your credit score meets the typical approval criteria, as this will affect your application’s success.

Step 3: Start Your Application

Once you are ready, click on the “Apply Now” button found on the card’s detail page. You will be directed to an online application form where you’ll need to input your personal information, such as full name, address, Social Security number, and financial details including your income.

Step 4: Submit Your Application

After filling out the required fields accurately, review your information for any errors. Correcting mistakes before submission can prevent delays in processing. Once everything looks good, click the “Submit” button to send your application for review.

Step 5: Wait for Approval

After submission, Bank of America will review your application. You might receive an instant decision, or it may take a few days to process. Approval usually depends on your credit history and current financial situation. Keep an eye on your email or log into your Bank of America account for updates.

LEARN MORE DETAILS ABOUT BANK OF AMERICA CUSTOMIZED CASH REWARDS CREDIT CARD

Frequently Asked Questions about the Bank of America Customized Cash Rewards Credit Card

What is the main benefit of the Bank of America Customized Cash Rewards Credit Card?

The main benefit of the Bank of America Customized Cash Rewards Credit Card is the flexibility it offers in earning cash back. You can earn 3% cash back in a category of your choice, such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Additionally, you’ll get 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% cash back on all other purchases.

Are there any annual fees for this credit card?

The Bank of America Customized Cash Rewards Credit Card has no annual fee, making it an attractive option for those who wish to earn rewards without the added expense of a yearly fee.

How can I maximize my cash back with this card?

To maximize your cash back, choose a 3% category that aligns with your regular spending habits. For example, if you frequently purchase gas, selecting gas as your chosen category can significantly boost your rewards. Always keep track of the quarterly spending cap of $2,500 in the 3% category and 2% grocery/wholesale club combined, as purchases beyond this limit will earn 1% cash back.

What kind of introductory offers does this card provide?

The Bank of America Customized Cash Rewards Credit Card often includes an introductory offer like a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. It may also offer an introductory 0% APR on purchases and balance transfers for the first 15 billing cycles.

Are there any considerations regarding foreign transaction fees?

Yes, the Bank of America Customized Cash Rewards Credit Card charges a foreign transaction fee of 3% on all transactions made outside the United States. If you frequently travel abroad, you might want to consider a card with no foreign transaction fees to avoid these additional costs.