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Bank of America ® Customized Cash Rewards Credit Card Review

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Bank of America ® Customized Cash Rewards Credit Card Review


The Bank of America ® Customized Cash Rewards credit card is the ideal credit card that offers great shopping rewards at online shopping sites, restaurants, airlines, hotels, supermarkets, wholesale clubs, gas stations and more. It allows everyday spenders to accumulate cash from your daily expenses. Plus, the Bank of America ® Customized Cash Rewards credit card offers a $200 sign-up bonus with no annual fee.

Bank of America ® Customized Cash Rewards Credit Card Review
  • Earn a $200 online cash bonus after you spend at least $1,000 in purchases within the first 90 days of account opening.
  • Earn 3% cash back in categories of your choice, automatic 2% cash back at Grocery and Wholesale Club (combined select category/grocery/wholesale club quarterly purchases up to $2,500) and unlimited 1% on all other purchases
  • Earn 25%-75% more cash back on every purchase if you’re a Preferred Rewards member. This means you can earn 3.75%-5.25% cashback on purchases in selected categories.
  • There is no annual fee and rewards are indefinite.
  • There is an introductory APR of 0% on purchases for 18 billing cycles and on any balance transfers made within the first 60 days. After the introductory APR offer ends, a variable APR of 17.99% – 27.99% will apply. Place
  • There is a 3% fee on all balance transfers.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • If you navigate away from this page or visit Bank of America Financial Center, this online offer may not be available. Apply now to take advantage of this offer.

Benefits of the card

$200 Cash Back Bonus Offer

With the Bank of America ® Customized Cash Rewards credit card, new cardholders can receive a welcome bonus of $200 in cash just by using their card. To get the $200 cash back bonus, all you need to do is charge your card with at least $1,000 in purchases within the first 90 days of opening your credit card account. Earning $200 cash back is like getting 20% off your first $1,000 in purchases, an easy way to put more cash back in your pocket.

Reward Program

Wherever you go, you’ll be rewarded with cash back. The card pays you 3% cash back in categories of your choice: gas stations, online shopping, dining, travel, drugstores or home improvement and furniture, plus 2% cash back on grocery store and wholesale club purchases. Quarterly combined select category, grocery and wholesale club purchases capped at $2,500. Afterwards, earn 1% cash back on those purchases. You’ll automatically earn unlimited unlimited 1% cash back on all other purchases.

For example, if you spend $7,500 on items eligible for 3% cash back, $2,500 on groceries, and $20,000 on everything else in a year, you’ll get $475 in annual cash rewards.

To earn cash rewards, you can request cash back as a statement credit, check, or direct deposit to a Bank of America or Merrill Lynch Cash Management account. Best of all, your rewards never expire, so you can use them whenever you want.

Loyalty bonuses

If you’re a Bank of America Preferred Rewards customer, your reward bonus can range from 25% to 75% of your base cash reward. There are 3 tiers in the Preferred Rewards program: Gold, Platinum, and Platinum Honors. Your tier is based on your qualifying combined balance in your Bank of America deposit account and/or Merrill Lynch investment account. Depending on your qualifying Preferred Rewards tier, you can earn rewards bonuses ranging from 25%, 50% to 75% of your base reward.

Admission to the museum is free

As a Bank of America credit card member, you can visit more than 200 museums for free on the first full weekend of every month. For more than two decades, Bank of America has run the Our Museums program, which offers its customers free admission to more than 200 museums on the first weekend of every month. You can present your Bank of America custom cash rewards credit card along with photo ID to receive free general admission to any of the more than 200 museum attendees.

Visa Signature® Benefits

If you’ve been looking for a cash rewards card that also offers VIP benefits, look no further. Cardholders of the Bank of America ® Customized Cash Rewards credit card automatically receive Visa Signature ® benefits, including 24-hour personalized concierge service while traveling, discounts at select hotels, resorts and spas, travel and roadside assistance, $0 in fraud responsibility. All of these benefits are included at no additional cost to cardholders.


The Bank of America® Customized Cash Rewards credit card has no annual fee. You can earn cash back rewards without worrying about paying an annual fee to keep the card. As an added bonus, new members pay 0% interest on purchases and qualifying balance transfers for an extended period of 18 billing cycles, which is great if you’re planning on making large purchases or transferring high-interest balances to the card. After the introductory period, a variable preferred rate of 17.99% – 27.99% applies.

Is this the right card for you?

With no annual fee and an easy-to-understand rewards structure, the Bank of America ® Customized Cash Rewards credit card is an excellent payment card for anyone looking to earn extra cash back on everyday purchases. In addition to the $200 new account credit, you can also earn up to 3% cash back on regular purchases. Unlike many other rewards cards, there are no rotating categories to track. You can earn even more bonuses just by being a Bank of America customer. Bank of America customers can earn top-tier cash rewards of up to 5.25% cash back with this credit card, making it one of the highest cash back credit cards available.

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