online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$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.
0% intro APR for 18 billing cycles, 16.99% - 26.99% Variable APR after that
0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days, 16.99% - 26.99% Variable APR after that
Balance Transfer Fee 3% (min $10)
Bank of America Customized Cash Rewards credit card Pros & Cons
$200 initial bonus (online exclusive)
Potential for a very high regular APR
3% foreign-transaction fee
Bank of America Customized Cash Rewards credit card Review
View 1285 User Reviews
cash advance fee | See Terms |
cash advance APR | See Terms |
foreign transaction fee | 3% |
smart chip | Yes, chip-and-PIN |
max late fee | See Terms |
max overlimit fee | $0 |
max penalty APR | 29.99% (V) |
grace period | See Terms |
at Bank of America's secure site
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, 16.99% - 26.99% 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.
at Bank of America's secure site
Can't find what you are looking for? Submit your question about Bank of America® Customized Cash Rewards credit card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Maria Adams, Credit Cards Moderator The Bank of America Customized Cash Rewards credit card foreign transaction fee is 3%. The card's foreign transaction fee can apply whether you travel to
another country or you go shopping internationally through your computer. Not every Bank of America credit card charges foreign transaction fees. The Bank of America® Travel Rewards credit card card has 0% foreign fees, for example, as does the
Bank of America® Premium Rewards® credit card. So, they are better options to use for foreign purchases than Bank of America Customized Cash Rewards credit card. Bank of America Customized Cash Rewards credit card Foreign Transaction Fee Info: The Bank of America Customized Cash Rewards credit card foreign transaction fee isn't the only fee you have to worry about with the Bank of America Customized Cash Rewards credit card. If you take out a cash advance, you will owe $10 or up to 5% of the transaction amount, whichever is greater. Late payments will cost you up to $40. Plus, if you transfer a balance to the card, you'll pay a fee equal to 3% (min $10) of the amount.
Fortunately, the Bank of America Customized Cash Rewards credit card has a $0 annual fee. One of the best cash back credit cards with $0 foreign transaction fees is the Capital One Quicksilver Cash Rewards Credit Card, which gives a $200 bonus when you spend $500 in the first 3 months, plus 1.5% cash
back on all purchases. You can also check our editors' latest picks for the best no foreign transaction fee credit cards on the market to weigh your options. Chip Lupo, Credit Card Writer View more answers Maria Adams, Credit Cards Moderator View more answers Chip Lupo, Credit Card Writer Paddy Sullivan, WalletHub Credit Card Advisor Kendall Morris, Credit Cards Moderator Chip Lupo, Credit Card Writer Cameron DiGiovanni, Writer Chip Lupo, Credit Card Writer Cameron DiGiovanni, WriterHow much is the Bank of America Cash Rewards foreign
transaction fee?
What are the Bank of America Cash Rewards categories?
How can I redeem my Bank of America cash rewards?
What is the Bank of America Cash Rewards online shopping benefit?
What's the Bank of America Cash Rewards credit score requirement?
How does the Bank of America Cash Rewards travel insurance work?
What are the best Bank of America Cash Rewards credit card benefits?
How much is the Bank of America Cash Rewards bonus?
Does the Bank of America Cash Rewards card cover rental car insurance?
What is the Bank of America Cash Rewards grocery stores list?
Share your insights and review the Bank of America® Customized Cash Rewards credit card
What's Your Rating?
Sumeeth
October 1, 2022 • @sumeeth_sahadeo
4 Star Rating
Verified CustomerSolid credit card for someone starting off for the first time in America. Could have higher limits automatically increase once you reach a certain duration of time with the account.
Comment
Chris M
June 29, 2022 • @Chris19601
1 Star Rating
I have a BofA credit card that gets monthly use, is always paid on time, and carries no balance. For the last month, BofA has been emailing me pre-screened offers, about 3 a week, asking me to apply for this new 'customized cash rewards' credit card. I finally applied (my credit score is excellent with no negative reporting, and I'm prescreened, so why not?) DENIED, is why not. Now I have a pointless hard pull on my credit report, harming my score. BofA: Don't barrage me with prescreened offers if you're regularly denying applicants who have excellent credit.
Comment
Arlindo K
June 3, 2022 • @arlindo
1 Star Rating
Useless card. The bank Closed my account as soon as I got the balance to 0. I never missed a payment. No late payments. They closed the account without any explanations
Comment
Allen
April 9, 2022 • @allenbee94
3 Star Rating
Verified CustomerIt's decent. The major perk is the 3% cashback in online shopping, which is a quite rare but broadly useful perk you don't see in a lot of other cards. No minimum rewards redemption is also nice. I just don't like Bank of America as a company, and their customer service can be very hit or miss.
Comment
Pierce R
December 31, 2021 • @pierceruby643
4 Star Rating
This is one of the best cards I've used. I'll surely recommend. If there's anyone looking to work on their credit score, debt payment or wants an opportunity to benefit from a profitable side hustle program to get your finance on the right track, i'll advice you seek help from CreditMason. My entire debts was paid by this company and that had a huge impact on the increase of my credit score. If your credit needs some work and you aren't sure where to start, look up CreditMason on Google to get started. I can assure you a positive transformation.
Comment
Mark
December 24, 2021 • @pumpingironmke
5 Star Rating
Verified CustomerI think so far it is a pretty solid card, there is a reason your getting 3% Bank Of America, their going for it, if you stacking cards to raise that score, this will be a keeper card, not one you will be tossing once you can get better cards, THIS CARD IS ONE OF THE BETTER CARDS!!!! Once you start getting some money saved get a Merril Lynch account with 10k in it and this 3% card goes to 4% all the way to 6 or 7% that is AMEX level with some smart investments over time!
Comment
DJ
November 14, 2021 • @dj_the_savior
3 Star Rating
Verified CustomerAverage cash back credit card with 3% on just one category of your choice and 2% cash back on fixed category of supermarkets, 1% on everything else; however, this card did come with a nice initial credit limit.
Comment
syismaster1
July 29, 2021 • @syismaster1
5 Star Rating
This was my first credit card.
Started off with $500 secured and they automatically raised it to $700 after 5 months. I had the card manually graduated to $1200 CL after 6 months of use with a quick phone call and it improved my credit by a-lot by having a lower utilization.
I have to say, every branch I went to,
multiple banking employees said "We've never seen a secured card graduated earlier than 1-2 years" or "It takes 2 years I speak from experience."
I literally called 6 months after I got the card, graduated it to a normal credit card and helped my credit tremendously.
The Bank Of America app is what makes this card outstanding.
Being able to change the 3% cash back category before you make a big purchase is the best. No annual fee on this either, it is a good card to just have but I will
be utilizing AMEX cards for the better rewards and have this as a back-up. This is a good card to build credit if you pay it off every month with no balance.
Also the 2% on Wholesale clubs is awesome as I frequent Sams, Bj's and Costco a lot.
The Foreign transaction fee is slightly annoying but not every card can be perfect I suppose.
Again USE THE APP for this card. It literally transforms the experience of this card (being able to lock card in seconds) or order a replacement, check
your FICO score for free.
No complaints thanks Bank of America!
I just wish they offered a credit card with good rewards such as AMEX.
Comment
Dorinda G Ammons
June 17, 2021 • @dorindaa
3 Star Rating
Verified CustomerI don't like reviews. Things change over time and what was good can become bad and vice-versa. Over all interest rate higher on this card than others.
Comment
Shawna
June 6, 2021 • @sgant2
5 Star Rating
Verified CustomerPlease pay at least 50% of balance in full every month. I have attempted to set up automatic payments today and was unsuccessful.
Comment
Review Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
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