Best customizable cash-back card Show
If you find that other cash-back cards don’t exactly match your lifestyle and spending habits, you’ll like the flexibility of the Bank of America® Customized Cash Rewards credit card. You have the power to pick your bonus category each month, which can appeal to those who don’t have traditional spending habits. (Partner offer)
At a glanceRewards Rates
Intro Offer $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening Ongoing Penalty APR Up to 29.99% APR Ongoing Cash Advance APR See Terms Ongoing Balance Transfer APR 16.99% - 26.99% Variable APR on purchases and balance transfers Introductory Balance Transfer APR 0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies. Ongoing Purchases APR 16.99% - 26.99% Variable APR on purchases and balance transfers Introductory Purchases APR 0% Intro APR for 18 billing cycles for purchases Recommended Credit 670-850 Excellent/Good More details
At a glanceRewards Rates
Intro Offer $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening Ongoing Penalty APR Up to 29.99% APR Ongoing Cash Advance APR See Terms Ongoing Balance Transfer APR 16.99% - 26.99% Variable APR on purchases and balance transfers Introductory Balance Transfer APR 0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies. Ongoing Purchases APR 16.99% - 26.99% Variable APR on purchases and balance transfers Introductory Purchases APR 0% Intro APR for 18 billing cycles for purchases Recommended Credit 670-850 Excellent/Good More details
Our TakeOverviewThe Bank of America Customized Cash Rewards card empowers the cardholder to choose their bonus category each quarter (to earn 3% cash back on up to $2,500 in combined purchases per quarter). Pros
Cons
Who is this card good for?The best candidate for this cash-back card would be someone who already owns a checking or savings account with Bank of America and want to apply for their first no-annual-fee cash-back credit card. That’s because the rewards add up even more if you’re eligible for the Bank of America Preferred Rewards program. You’ll qualify for the lowest level (Gold) if you have $20,000 to $49,999 in your Bank of America deposit accounts, which will get you a 25% points bonus on all your purchases. The highest tier in this program offers a whopping 75% more points than the current rates, meaning this card will provide tremendous value on your everyday purchases for Bank of America fans.
Earning RewardsWith a 3%/2%/1% rewards scheme, you get to pick where you spend the most each quarter from gas, online shopping, dining, travel, drug stores or home improvements and furnishing. Regardless of which category you pick, you can earn 3% cash back and furthermore, this credit card is a fantastic everyday card, thanks to its 2% rewards rate at grocery stores and wholesale clubs (3% and 2% applies to the first $2,500 in combined choice category/grocery/wholesale club purchases spent each quarter; then 1%). Frequently asked questions
Keep readingWhat are the benefits of the Bank of America cash rewards card?Bank of America® Customized Cash Rewards Secured credit card. 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and 1% cash back on all other purchases.
Is Bank of America cash rewards credit card hard to get?The Bank of America Customized Cash Rewards card is as easy to get as most other no annual fee cash back credit cards. You'll just need to provide the typical personal information, Social Security number and total annual income through Bank of America's online application or over the phone by calling (800) 932-2775.
What is the limit on Bank of America cash rewards card?FAQs. The credit limit for the Bank of America® Customized Cash Rewards credit card is usually at least $1,000 and can be much higher, with some cardholders reporting limits of over $50,000.
What is Visa Signature cash rewards?1. Visa Signature cashRewards Cardholders will earn 1.75% cash back rewards on every $1 of eligible net purchases with direct deposit at Navy Federal, or 1.5% cash back rewards without direct deposit.
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