Credit Cards (US)
Bank of America® Customized Cash Rewards Credit Card review
If you’re in the market for a new rewards card, the Bank of America® Customized Cash Rewards Credit Card is a fantastic option! Check out our full review.
Bank of America® Customized Cash Rewards Credit Card: Get a customized card to fit your needs!
Are you looking for a card that offers a customizable experience to fit your unique spending habits? Then you’ll want to take a closer look at this Bank of America® Customized Cash Rewards Credit Card review.
- Credit Score: You should have at least a 700 score to qualify.
- Annual Fee: There are no maintenance or membership fees.
- Intro offer: By spending at least $1,000 within the first 90 days of card membership, you’ll get a $200 online cash bonus.
- Rewards: Choose one category to earn 3% back, get automatic 2% at grocery stores and wholesale clubs, and 1% back on all other daily purchases.
- APRs: New cardholders can take advantage of a 0% intro APR on purchases for 18 billing cycles. After that period, the standard variable APR is 17.74% – 27.74%. The same introductory APR applies for balance transfers made within the first 60 days. Then, a variable of 17.74% – 27.74%. Based on creditworthiness, the cash advance APR varies between 20.74% and 30.74%.
- Other Fees: There’s a 3% balance transfer fee per transaction, a 3% foreign transaction fee, and a max late fee of up to $40.
The Bank of America® Customized Cash Rewards is a solid card that will give you the rewards you deserve.
With this card, you can customize your cash back by choosing the categories that work best for you.
With no annual fee, you can save a lot of money while making great value of all earned rewards.
This Bank of America® Customized Cash Rewards Credit Card review will show why this card is a great addition to your wallet. Want to learn more? Then read on!
Bank of America® Customized Cash Rewards Credit Card: What can you expect?
The Bank of America® Customized Cash Rewards Credit Card is a great way to make the most value out of your hard-earned money.
Whenever you use it, you’ll earn cash rewards that can be easily redeemed for statement credits, gift cards, and more.
Plus, Bank of America® makes it easy to customize your rewards so you can earn even more for the purchases you make most often.
The card also charges no monthly or annual fees, so you can earn and save money while you’re at it.
You’ll earn a generous welcome bonus by meeting the spending requirements within the 90-day time frame.
You can use this bonus to cover your everyday expenses or save it for a special occasion. There’s an introductory period for both purchases and balance transfers.
However, it’s important to pay attention to the bank’s Terms & Disclosures, plus eligibility requirements, before taking advantage of them.
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Do the pros outweigh the cons?
This Bank of America® Customized Cash Rewards Credit Card review wouldn’t be complete without the pros and cons.
So, compare the advantages and disadvantages below to see if this is the right card for your lifestyle.
- You can tailor your rewards to your spending habits quarterly;
- There are no membership fees, so you’ll save money;
- You can up your cash back game with the Preferred Rewards program;
- There’s a generous and easily achievable welcome bonus.
- You can get a high APR if you’re creditworthiness is not in top form;
- The card charges a foreign transaction fee, so international purchases become more expensive.
What are the eligibility requirements?
The Bank of America® Customized Cash Rewards usually requires applicants to have a good or excellent credit score.
If you’re looking to apply for this card, it’s always a good idea to check your credit score before applying.
Additionally, Bank of America® may consider other factors when evaluating your application for approval, such as income and debt-to-income ratio.
Learn how to request the Bank of America® Customized Cash Rewards Credit Card
If you want to apply for the card after reading our Bank of America® Customized Cash Rewards Credit Card review, it’s easy!
Check out the following link to learn every step of the application process and how you can start earning rewards the way you want to earn them.
About the author / Aline Barbosa
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