ADVERTISEMENT
The Bank of America Customized Cash Rewards credit card offers real advantages for those who want to earn cashback on everyday purchases. It’s simple, practical, and designed to help you save more without complication.
With this card, you choose the category where you want to earn more cashback, making your expenses much more rewarding. With no hidden fees and an initial bonus, it’s easy to start enjoying the benefits.
Want to discover how this card can make your money go further and simplify your financial life? Keep reading and see how to take advantage of each benefit with ease.
About Bank of America
The Bank of America Customized Cash Rewards credit card is issued by Bank of America, one of the largest banks in the United States. The bank has a solid reputation and offers various financial products focused on security and customer service.
Bank of America is available nationwide and is known for its efficient support and user-friendly digital platforms. This makes the card experience even better, especially for those who like to manage everything from their phones.
Having a card issued by a large and trustworthy bank means you’ll have fast support if needed and that your information will be protected.
Benefits
6% cashback in your chosen category: Choose a category like gas or groceries and earn 6% back on those purchases during the first year. That means more savings where you spend the most.
2% cashback at grocery stores and wholesale clubs: In addition to your selected category, you get 2% cashback on purchases at supermarkets and wholesale stores—perfect for regular bulk shopping.
1% cashback on all other purchases: Even for expenses outside the main categories, you still earn 1% cashback. Every purchase contributes to your savings.
$200 welcome bonus: Spend $1,000 within the first 90 days and receive a $200 bonus. It’s a quick and easy way to start saving immediately.
No annual fee: There’s no yearly fee, so you can enjoy all the benefits without paying extra. This makes the card affordable and accessible to everyone.
Option to change cashback category each month: You can switch your 3% or 6% cashback category every cycle, giving you the flexibility to match your spending habits.
Free access to your FICO® Score: The bank offers free credit score tracking to help you stay on top of your financial health.
Fraud protection and unauthorized purchase security: Advanced security features protect you from misuse, giving you peace of mind.
Bank of America Customized Cash Rewards credit card – Fees and commissions
This card has no annual fee, which is a major advantage for those looking to save. The standard APR is variable, ranging from 18.24% to 28.24%, as determined by the issuer.
Interest rates vary depending on your credit profile and the type of transaction. It’s important to read the agreement carefully and stay aware of usage terms to avoid surprises.
Note: Rates and terms may change at any time without notice. Always check official Bank of America communications for updates.
Credit limit
The credit limit depends on the bank’s review of your income, financial history, and payment capacity. Those with good credit often receive a higher limit.
If needed, you can request a limit increase after demonstrating responsible use over time. This can help with larger purchases and give you more financial flexibility.
It’s important to use your limit wisely to avoid overspending and high interest charges.
Positive points
- Flexible Cashback:Choose where to earn the most rewards.
- No Annual Fee:Save without any yearly costs.
- Welcome Bonus:Earn $200 just for getting started.
Negative points
- Variable Rates:Interest can be high if payments are late.
- Low Initial Limit:Based on your financial profile.
- Cashback Limitations:The 6% cashback applies to one category at a time.
How to apply for Bank of America Customized Cash Rewards
- Go to the official Bank of America website.
- Click on credit card options.
- Choose the Bank of America Customized Cash Rewards credit card.
- Click “Apply now”;
- Fill out the online application form;
- Submit and wait for credit analysis.
- You’ll receive a response via email or phone.
- Once approved, your card will be mailed to you.
How to contact Bank of America
If you need assistance or have questions, Bank of America offers several contact options:
- Phone: 1-800-432-1000 (for U.S. customers)
- Customer Service: 24/7 emergency and support line
- Online Chat: Available on the official website for quick support
The Bank of America Customized Cash Rewards credit card is an excellent choice for anyone looking to earn cashback and save money. Take advantage of this opportunity, apply today, and start turning your purchases into real savings!
