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

The Bank of America Customized Cash Rewards Credit Card offers flexible cash back options with up to 3% in a chosen category, no annual fees, and a 0% introductory APR for 15 billing cycles. Preferred Rewards members can enjoy an additional 25% to 75% cash back.

Por: Linda Carter em 24 de September de 2025

Embarking on the journey to find the right credit card can be a daunting task, but the Bank of America Customized Cash Rewards Credit Card offers a compelling choice for those seeking flexibility and rewards. With its ability to let you earn cash back on purchases tailored to your spending habits, this card is designed to fit seamlessly into your financial lifestyle. Whether it’s groceries, gas, or dining, you can customize your cash back categories to maximize your benefits.

For those who value a card with no annual fee, the Customized Cash Rewards Credit Card stands out. It offers a generous introductory APR on purchases alongside competitive variable APR rates thereafter. As you consider applying, knowing the card’s application process and eligibility requirements is crucial. Dive deeper to explore how to unlock these enticing rewards and find out if this card is the right match for your wallet.

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

Flexible Cash Back Options

The Bank of America Customized Cash Rewards Credit Card provides an exceptional opportunity for cardholders to earn cash back with flexibility. Users can enjoy a 3% cash back in a category of their choice, such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Additionally, there is a 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases.

No Annual Fee

A notable benefit of this credit card is that it comes with no annual fee, providing long-term savings for cardholders. This feature enables users to maximize their cash back earnings without the concern of offsetting benefits with a yearly fee.

Introductory APR Offers

The card offers enticing introductory annual percentage rate (APR) deals, which include a 0% introductory APR on purchases, applicable for the first 15 billing cycles. This benefit allows new cardholders to spread out their payments on significant purchases without incurring interest during the introductory period.

Enhanced Rewards for Preferred Rewards Members

Cardholders who are part of the Bank of America Preferred Rewards program are eligible to receive elevated cash back rates. As a Preferred Rewards member, you can earn between 25% to 75% more cash back on every purchase, maximizing the card’s cash back potential.

Practical Tips for Maximizing Benefits

To make the most of these benefits, consider the following tips:

Select your 3% cash back category based on your highest spending habits.
Utilize the introductory APR for planned large purchases to avoid interest charges.
Consider joining the Preferred Rewards program to enhance your cash back rewards.

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

Category 1	Category 2
Cash Back Rewards	Earn 3% cash back on categories of your choice.
No Annual Fee	Enjoy benefits without a membership fee, maximizing your savings.

The Bank of America Customized Cash Rewards Credit Card offers an array of financial advantages that set it apart in the competitive credit card market. The card provides flexibility with its customizable cash back categories, allowing cardholders to earn rewards on purchases that matter most to them. This feature is particularly appealing for those who wish to optimize their rewards by selecting categories such as gas, online shopping, or dining.Another significant highlight of this credit card is its introductory offer, which typically includes bonus cash back opportunities during the initial months following account opening. Such incentives can greatly enhance the overall rewards experience for consumers who frequently use their credit cards for everyday transactions.Moreover, the card is equipped with advanced security features, ensuring peace of mind for users through real-time transaction alerts and fraud monitoring services. This level of security not only protects your financial information but also assists in maintaining an organized spending pattern.Given these points, the Bank of America Customized Cash Rewards Credit Card presents itself as an attractive option for individuals seeking to manage their finances effectively while reaping the benefits of enhanced cash back rewards.

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

Applicants must meet the minimum age requirement of 18 years old (or 21 in certain states) to be eligible for the Bank of America Customized Cash Rewards Credit Card.
A fair to good credit score is generally needed, ideally above 670, to enhance the chances of approval.
Applicants should demonstrate stable income, though Bank of America does not specify a minimum, evidence of sufficient income to manage credit obligations is necessary.
Documentation includes a valid Social Security Number or Individual Taxpayer Identification Number, ensuring identification verification.
An active U.S. residential address is required for application processing and correspondence purposes.

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

Step 1: Visit the Bank of America Website or Local Branch

To initiate the application process for the Bank of America Customized Cash Rewards Credit Card, you can start by visiting the official Bank of America website. Alternatively, you may choose to visit a local Bank of America branch to receive personalized assistance from a bank representative. Ensure that you have all personal information ready, which includes your Social Security number, date of birth, and current employment details.

Step 2: Navigate to the Credit Card Section

On the website, locate the section dedicated to credit cards. This can usually be found under the ‘Products’ or ‘Banking’ tab on the homepage. Click on the ‘Credit Cards’ link to explore various offerings. From the list of options, select the Customized Cash Rewards Credit Card for more details and to proceed with the application.

Step 3: Begin the Online Application Process

Once on the page for the Bank of America Customized Cash Rewards Credit Card, click on the ‘Apply Now’ button to start your application. You will be prompted to fill out a form with your pertinent details. It’s crucial to provide accurate and up-to-date information to avoid any delays in processing your application. Carefully review all the information before submitting the application form.

Step 4: Review Terms and Conditions

Before final submission, take the time to thoroughly read the terms and conditions of the credit card. Understanding the interest rates, fees, and rewards structure is important for managing your new credit card effectively. Ensure that you agree with all the terms provided by Bank of America before proceeding.

Step 5: Await Approval Decision

After submitting your application, Bank of America will process it, which can take a few business days. You may receive an immediate decision, but in some cases, additional information may be requested. If your application is approved, you will receive your new credit card in the mail. Follow any final instructions provided upon approval to activate your card and start utilizing the rewards.

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

What are the rewards categories for the Bank of America Customized Cash Rewards Credit Card?

The Bank of America Customized Cash Rewards Credit Card offers a tiered rewards structure. Cardholders earn 3% cash back in a category of their choice, such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Additionally, cardholders receive 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined quarterly purchases in these categories. All other purchases earn 1% cash back.

Is there an annual fee for the Bank of America Customized Cash Rewards Credit Card?

No, the Bank of America Customized Cash Rewards Credit Card does not have an annual fee. This makes it an attractive option for those looking to earn rewards without incurring additional yearly costs.

Are there any introductory offers for new cardholders?

Yes, new cardholders can enjoy a 0% introductory APR for the first 15 billing cycles on purchases and any balance transfers made within the first 60 days. After that, a variable APR will apply. This introductory offer provides an opportunity to make large purchases or consolidate debt without immediate interest charges.

Can I change my 3% cash back category, and if so, how often?

Yes, Bank of America allows cardholders to change their 3% cash back category every month through the Bank of America mobile app or online banking. This flexibility enables cardholders to optimize rewards based on their spending habits.

Does the Bank of America Customized Cash Rewards Credit Card offer any additional benefits?

Aside from cash back rewards, this credit card provides additional benefits, including access to the Bank of America Preferred Rewards program, which can enhance cash back earnings. Furthermore, cardholders enjoy features like fraud protection, account alerts, and free FICO score access, enhancing financial security and management.