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

The Bank of America Customized Cash Rewards Credit Card offers attractive benefits, including up to 3% cash back in your chosen category and flexible redemption options. Enjoy a 0% introductory APR for 15 months and no annual fee, making it a valuable choice for budget-conscious consumers.

Por: Linda Carter em 6 de August de 2025

Unlock Rewards with the Bank of America Customized Cash Rewards Credit Card

Imagine a credit card that not only provides flexibility in your spending but also rewards you for it. The Bank of America Customized Cash Rewards Credit Card is your ticket to earning valuable rewards on your everyday expenses, transforming your routine purchases into opportunities for savings. This isn’t just a card for transactions—it’s a financial tool tailored to offer personalized benefits that suit your lifestyle seamlessly.

Flexible Rewards That Suit Your Lifestyle

One of the standout features of this card is its customizable rewards categories. Cardholders can earn 3% cash back in the category of their choice, such as gas, online shopping, dining, or travel—areas where you might spend the most. Additionally, you’ll receive 2% cash back at grocery stores and wholesale clubs, making it ideal for families who spend a significant portion of their income on household supplies. For all other purchases, you’ll enjoy 1% cash back. It’s like having a little reward every time you swipe your card!

Practical Financial Benefits

The card also provides an attractive introductory APR offer on purchases and balance transfers, making it a smart choice if you’re looking to manage larger expenses or pay down existing debt. For instance, if you need to make a big purchase like new appliances or you’re consolidating high-interest debts, this card can offer some relief by reducing the interest you might pay initially.

Why Choose This Card?

In addition to the rewards structure, the Bank of America Customized Cash Rewards Credit Card provides reliability and security, crucial aspects everyone should consider when selecting a credit card. With access to online banking and mobile management, you’re always in control of your finances. Furthermore, if you’re already a Bank of America banking customer, you could qualify for additional bonuses through their Preferred Rewards program. This card serves not just as a payment method but as an intelligent approach to managing and optimizing your financial health.

Benefits of the Bank of America Customized Cash Rewards Credit Card

1. Earn Rewarding Cash Back on Every Purchase

The Bank of America Customized Cash Rewards Credit Card provides an excellent opportunity to earn cash back on every purchase. With this card, you can enjoy a 3% cash back in the category of your choice, such as gas, online shopping, or dining. Additionally, you’ll earn 2% cash back at grocery stores and wholesale clubs, along with 1% cash back on all other purchases. For smart planning, review your monthly spending habits and choose the category where you spend the most, to maximize your cash-back benefits.

2. Flexible Redemption Options

With the cash back you earn, flexibility is at your fingertips. You can redeem your rewards as a statement credit, direct deposit into your Bank of America checking or savings account, or even as a contribution to a qualifying Merrill account. This flexibility allows you to use your rewards in a way that best suits your financial goals. For example, setting up automatic redemptions can help you integrate rewards seamlessly into your budget.

3. Introductory APR Offers

A notable benefit for new cardholders is the 0% introductory APR on purchases for the first 15 billing cycles. This feature can be immensely helpful if you plan to make a large purchase and pay it off over time without accruing interest. Be sure to pay close attention to your billing cycle to avoid any potential interest charges once the introductory period concludes. Setting up automatic payments can ensure you never miss a due date.

4. No Annual Fee

Unlike some other premium credit cards, the Bank of America Customized Cash Rewards Credit Card does not charge an annual fee. This allows you to earn cash back and enjoy other benefits without subtracting anything from your earnings. If you are a budget-conscious consumer, a no-annual-fee card can offer the most value over time.

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

Feature	Advantage
Cash Back Rewards	Earn 3% cash back on a category of your choice, including groceries, online shopping, or gas.
No Annual Fee	This card has no annual fee, making it cost-effective for everyday purchases.

The Bank of America Customized Cash Rewards Credit Card stands out for its exceptional cash back rewards, which allow you to earn enhanced returns in categories most relevant to your spending habits. For example, if you frequently shop at grocery stores, you can maximize your savings while enjoying your everyday purchases, providing a tangible benefit that you can appreciate with each transaction.Another remarkable feature is the absence of an annual fee. This makes the card an attractive option for users who want to enjoy rewards without the burden of additional costs. Even if you do not use the card extensively, the savings from not having an annual fee can contribute to your financial well-being. Together, these benefits enhance the user experience, prompting cardholders to explore and utilize their rewards effectively.

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

Minimum Credit Score: To increase your chances of approval, aim for a good credit score, typically above 670. If you’re not sure of your score, consider checking through a credible credit bureau.
Proof of Income: Demonstrating a steady income stream is crucial. This might be your salary, self-employed earnings, or other regular income sources to showcase your ability to repay expenses on the card.
Residential Address: You’ll need to provide a verified U.S. mailing address. Having up-to-date identification, such as a driver’s license or utility bill, will be beneficial.
Social Security Number (SSN): This is essential for identity verification and credit history assessment, a standard requirement for most credit applications in the U.S.
Age Requirement: Applicants must be at least 18 years old. If you’re younger, you may need a co-signer or authorized user status on a parent’s account.

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

Step 1: Visit the Bank of America Website

Begin your application process by visiting the official Bank of America website. Navigate to the section dedicated to credit cards. You can do this by typing “Bank of America credit cards” into the search bar of your preferred web browser. Once there, look for the “Bank of America Customized Cash Rewards Credit Card” amongst the options available.

Step 2: Review the Card Details

Before you apply, it’s important to thoroughly review the card details. Understand the benefits, such as cash back rewards on various categories like gas, groceries, and online shopping. Pay attention to the terms and conditions, including the interest rates, any applicable fees, and the rewards structure. This understanding ensures you make an informed decision that aligns with your financial goals.

Step 3: Start Your Application

Once you are familiar with the card details, locate the application link on the credit card page. Click on the “Apply Now” button to begin your application. You will be asked to provide personal information such as your name, address, Social Security Number, employment details, and income. Ensure all information is accurate, as errors can slow down the approval process.

Step 4: Submit Your Application

After completing all required fields in the application form, review your information carefully. Ensure everything is correct and complete. Once you’re satisfied, click the “Submit” button to send your application to Bank of America. Be prepared to receive a confirmation email that indicates your application has been received.

Step 5: Wait for Application Status

After submitting your application, Bank of America will process your details to determine approval. This may take a few minutes to a few days. You might receive immediate feedback online, or be notified via email of your application’s status. If approved, you will receive your new card by mail, along with instructions on how to activate it.

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

What are the main benefits of the Bank of America Customized Cash Rewards Credit Card?

The Bank of America Customized Cash Rewards Credit Card offers a unique feature that lets you earn cash back on categories that suit your spending habits. You can earn 3% cash back in a category of your choice, such as gas, online shopping, dining, travel, drug stores, or home improvement. You’ll also earn 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. Remember, the 3% and 2% cash back apply to the first $2,500 in combined purchases each quarter.

How does the introductory APR work for this credit card?

This card offers an introductory 0% APR for the first 15 billing cycles on purchases and balance transfers made within the first 60 days. After the introductory period, a variable APR of 16.99% – 26.99% applies, depending on your creditworthiness. Balance transfers are subject to a fee of either $10 or 3% of the amount of each transaction, whichever is greater.

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

No, there is no annual fee for this card, making it an attractive option for those who want to save money on credit card fees while taking advantage of the cash back rewards.

How do I choose or change my cash back category with this card?

You can choose or change your 3% cash back category via the Bank of America mobile app or online banking. The chosen category can be changed once each month, allowing you to tailor your rewards to match your changing spending patterns.

Does the Bank of America Customized Cash Rewards Credit Card have any additional perks?

Yes, cardholders enjoy additional perks such as access to the Bank of America Preferred Rewards program, which can enhance your cash back earnings by up to 75% if you qualify. Furthermore, you receive benefits like $0 liability fraud protection, online and mobile banking, and free access to your FICO® Score.