How to Apply for Bank of America Customized Cash Rewards Credit Card

The Bank of America Customized Cash Rewards Credit Card offers up to 3% cash back in a category of your choice, plus 2% at grocery stores and 1% on other purchases, all with no annual fee. Enjoy a 0% introductory APR for 15 billing cycles and enhance rewards with the Preferred Rewards program.

Por: Linda Carter em 24 de September de 2025

Looking for a flexible credit card that adapts to your lifestyle? The Bank of America Customized Cash Rewards Credit Card might be just what you need. This card offers customizable cash rewards, allowing you to earn cash back on the categories that matter most to you. Whether it’s grocery shopping, dining out, or hitting the road, you can select a category to earn 3% cash back and enjoy 2% at grocery stores and wholesale clubs. It brings the power of choice right to your wallet.

In addition to cash back benefits, the card provides a great introductory offer, making it easier to manage expenses or indulge in a treat today with no annual fee. Learning how to apply is straightforward, and soon you’ll unlock more ways to enhance your financial flexibility. Ready to explore the full potential of this card? Let’s dive into the application process.

Unlocking the Benefits of the Bank of America Customized Cash Rewards Credit Card

Earn Cash Back on Every Purchase

The Bank of America Customized Cash Rewards Credit Card offers a flexible cash back program that allows you to earn rewards on every purchase. You’ll receive 3% cash back in the category of your choice, such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Additionally, earn 2% cash back at grocery stores and wholesale clubs, and 1% on all other purchases. To maximize these benefits, be sure to choose the 3% category that best aligns with your spending habits and switch categories in advance when your spending patterns change.

No Annual Fee

One of the standout features of this card is that it comes with no annual fee, allowing you to enjoy the benefits without any additional cost. This makes it an ideal option for those looking to earn cash back without the burden of added expenses. By using this card for day-to-day purchases, you’re essentially earning rewards for free, which can be especially beneficial if you’re budget-conscious.

Introductory APR Offer

The card provides a 0% introductory APR for the first 15 billing cycles on purchases, and on any balance transfers made within the first 60 days. Keeping track of this period can help you manage larger purchases more effectively or consolidate high-interest debt without accruing additional interest. Just ensure to pay off the balance before the regular APR applies to avoid potential interest charges.

Preferred Rewards Program Boost

If you’re a member of Bank of America’s Preferred Rewards program, you can potentially boost your cash back earnings by 25% to 75%. This means the 3% category could earn up to 5.25% cash back. To take advantage, consider exploring the Preferred Rewards program and adjust your banking relationship accordingly to qualify for higher reward tiers.

LEARN MORE DETAILS ABOUT BANK OF AMERICA CUSTOMIZED CASH REWARDS CREDIT CARD

Advantages	Details
Cash Back Rewards	Earn 3% cash back in categories of your choice, making it a flexible option for everyday spending.
No Annual Fee	Enjoy a card that offers excellent perks without the burden of an annual fee, making it more accessible.

The Bank of America Customized Cash Rewards Credit Card is designed to provide consumers with maximum flexibility by offering cash back in everyday categories that you can select. This allows you to tailor your spending according to your lifestyle. For instance, if you frequently shop at grocery stores or fuel stations, you can choose categories that enhance your cash back rewards in those areas.Another remarkable feature is that the card accommodates various interests and spending habits, which means it can truly work for you, whether you prefer dining out, shopping online, or purchasing gas. Furthermore, being free of an annual fee is significant for cardholders who want to maximize their benefits without incurring additional costs. This combination of cash back opportunities and no annual fee establishes the card as an appealing choice for many individuals looking to manage their finances wisely.

Requirements to Apply for Bank of America Customized Cash Rewards Credit Card

Minimum Credit Score: Applicants should generally have a good credit score, typically 670 or higher, to qualify for the Bank of America Customized Cash Rewards Credit Card. This indicates a solid credit history and increases the likelihood of approval.
Proof of Income: When applying, you need to demonstrate a reliable source of income. This ensures your ability to manage the credit card repayments. Documentation could include pay stubs, tax returns, or bank statements.
U.S. Residency: Applicants must be resident within the United States. This ensures compliance with banking regulations and assists in maintaining transparent communication between the bank and the customer.
Age Requirement: You must be at least 18 years old to apply. In Alabama and Nebraska, the minimum age is 19.
Bank Account Information: Providing details of an existing bank account could be beneficial. It demonstrates financial stability and may streamline the application process.

VISIT THE WEBSITE TO LEARN MORE

How to Apply for the Bank of America Customized Cash Rewards Credit Card

Step 1: Visit the Official Bank of America Website

Your journey to securing the Bank of America Customized Cash Rewards Credit Card begins with visiting the official Bank of America website. Once there, navigate to the ‘Credit Cards’ section. This section provides a detailed list of available credit card options. Locate ‘Bank of America Customized Cash Rewards Credit Card’ to begin your application process.

Step 2: Review the Card Details and Requirements

Before diving into the application, it’s crucial to review the card details thoroughly. Ensure you understand the cash-back benefits, interest rates, and any applicable annual fees. Additionally, take note of the eligibility criteria, such as having a good credit score and being a U.S. resident, to ensure you meet the minimum requirements.

Step 3: Begin the Application Process

Once you’re informed and feel confident about your choice, click the ‘Apply Now’ button next to the credit card listing. You will be prompted to fill out an application form with personal information, including your full name, address, social security number, and annual income. Ensure all information provided is accurate to avoid delays or complications in the approval process.

Step 4: Submit Your Application and Await Approval

After verifying your details, submit the completed application form. Depending on the information provided and your financial background, you may receive an instant decision, or you might need to wait a few days. During this time, Bank of America will assess your eligibility based on your credit history and current financial situation.

Step 5: Receive Your Credit Card

If approved, congratulations! You’ll receive your new credit card in the mail within 7 to 10 business days. Upon receipt, ensure to activate it promptly by following the instructions provided, which may include calling a number or accessing your online banking account.

Frequently Asked Questions about the Bank of America Customized Cash Rewards Credit Card

What is the Bank of America Customized Cash Rewards Credit Card?

The Bank of America Customized Cash Rewards Credit Card is a versatile credit card offering personalized cashback rewards. Cardholders can earn 3% cash back in a category of their choice such as gas, online shopping, dining, travel, or drugstores, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. It helps tailor rewards to your spending habits, making it an attractive option for those looking to maximize their cashback potential.

How can I personalize my cashback category with this card?

To personalize your cashback category, you can log into your Bank of America online banking account or use the Bank of America mobile app. Navigate to the rewards section and select the category where you wish to earn 3% cash back. You can change this category once each calendar month, allowing you to adapt to changing spending patterns.

Does the Bank of America Customized Cash Rewards Credit Card offer an introductory bonus?

Yes, typically there is an introductory bonus offer. For example, new cardholders may receive a bonus of $200 after making at least $1,000 in purchases within the first 90 days of account opening. It’s an excellent way to start earning rewards as soon as you receive the card.

Are there any annual fees associated with this credit card?

This card comes with no annual fee, making it an attractive option for budget-conscious consumers. You can enjoy the benefits and cashback rewards without worrying about additional yearly costs.

What kind of credit score is recommended for applying for this card?

A good to excellent credit score is generally recommended when applying for the Bank of America Customized Cash Rewards Credit Card. Typically, this means having a FICO score of 670 or higher. Having a strong credit history can increase your chances of approval and potentially secure you a more favorable credit limit and terms.