Bank of America® Customized Cash Rewards credit card
Basic Information
Program ID: bank-of-america-customized-cash-rewards-credit-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:55
Last Scraped: 01/15/2026 05:52
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 1,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Cash rewards bonus typically posts to your account within 8-12 weeks after meeting the spending requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.25%
Bonus Categories: 3% cash back on your choice category (Gas, Online Shopping, Dining, Travel, Drug Stores, or Home Improvement/Furnishings); 2% cash back at Grocery Stores and Wholesale Clubs; 1% cash back on all other purchases. (Preferred Rewards members earn 25% to 75% more cash back, making the top tier 5.25% on choice category, 3.5% on grocery/wholesale, and 1.75% on all other purchases).
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash rewards do not expire as long as your account is open and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, based on current Bank of America policies, applicants must generally have good to excellent credit (FICO score 700+), be a U.S. resident, 18 years or older, and possess a Social Security Number or ITIN. A sufficient income to support the credit line is also required. The typical sign-up bonus is $200 cash back after spending $1,000 within the first 90 days of account opening. Eligibility for the sign-up bonus is generally restricted if you currently have or have had this specific card in the past 24 months. Bank of America also enforces a velocity rule for new applications: no more than 2 new cards in 2 months, 3 new cards in 12 months, and 4 new cards in 24 months across all Bank of America credit products.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, sudden drastic changes in spending patterns, high cumulative credit limit across all BoA cards relative to income, defaulting on payments, suspicious or fraudulent activity, or applying for too many cards too quickly (violating the 2/3/4 rule).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Flexible 3% cash back category choice, no annual fee, enhanced rewards for Bank of America Preferred Rewards members, easy reward redemption.
Top Negative Feedback:
Earning caps on bonus categories, foreign transaction fees, rewards can be less competitive without Preferred Rewards status.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Citi Custom Cash Card
- Discover it Cash Back
Card Value Score: 75.0 / 100
Est. Annual Rewards: $275.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 05/15/2024 00:00