Credit Cards (US)

Bank of America® Customized Cash Rewards credit card review

Read our Bank of America® Customized Cash Rewards credit card review to learn how you can earn and customize your cash back rewards!

Bank of America® Customized Cash Rewards credit card: Great intro APR and no annual fee.

Read our Bank of America® Customized Cash Rewards credit card review. Source: The Mister Finance.
Read our Bank of America® Customized Cash Rewards credit card review. Source: The Mister Finance.

The Bank of America® Customized Cash Rewards credit card can be great for people who would like to choose their spending bonus categories.

You can choose categories to earn 3% cash back rewards and to get 2% back at wholesale clubs and grocery stores.

Even the card has a spending cap of $2,500 for combined categories, this can be a great cash back card for you. So, keep reading our full review of this rewarding Bank of America card!

Bank of America® Customized Cash Rewards credit card

How to get the BofA Customized Cash Rewards

Read on to learn how you can apply and start earning cash back rewards with the Bank of America® Customized Cash Rewards credit card.

How does this card work?

As a cardholder, you can get a $200 online cash back rewards bonus after spending at least $1,000 in the first 90 days after you have opened your account.

Also, you can get a 3% cash back bonus in a category of your own choice, and you can get 2% back at grocery stores and wholesale clubs. However, when you choose a category to get these bonuses, you have a $2,500 spending cap.

The card offers unlimited 1% back on all purchases. Plus, there’s no annual fee and a 18-month 0% period on purchases and balance transfers.

Bank of America® Customized Cash Rewards benefits

What are the benefits to this card? Source: Freepik.
What are the benefits to this card? Source: Freepik.

Pros

  • Get 3% cash back on your top category of choice;
  • No annual fee.
  • Long 0% APR intro offer.

Cons

  • The rewards categories of 2% and 3% cash back have a $2,500 spending limit per quarter.
  • The spending requirement to get the welcome bonus is a bit high.
  • 3% foreign transactions fee.

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Should you get a Bank of America® Customized Cash Rewards credit card?

This card has great cash back rewards, such as the 3% cash back in a category of your choice and 2% back at wholesale clubs and grocery stores.

With this in mind, to get this card, you must be able to spend enough money to get this cash back amount. And also, you must know that there is a spending cap of $2,500 when you choose the combined categories.

So, if you don’t mind the spending cap, you should consider getting this card.

How good does your credit score need to be?

To get this Bank of America credit card, you must have an excellent credit score. This means that your score should be above 700.

So, if you want to get this great cash back credit card, you should improve your score if you do not have a qualifying one.

How can you apply for this card?

It can be very straightforward to apply for this Bank of America card. You can easily make your application online. In the post below, we will show you some great information about how to apply for this credit card, so check it out!

Bank of America® Customized Cash Rewards credit card

How to get the BofA Customized Cash Rewards

Read on to learn how you can apply and start earning cash back rewards with the Bank of America® Customized Cash Rewards credit card.

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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