Bank of America Customized Cash Rewards credit card

Bank of America Visa Standard Pending

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22

Benefits

8

Reward Categories

3x

Max Reward

19.2%

APR From
Basic Information
PENDING

Program ID: bank-of-america-customized-cash-rewards-credit-card

Issuer: Bank of America

Card Name: Bank of America Customized Cash Rewards credit card

Card Type: Credit

Network: Visa

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:55

Last Scraped: Jan 24, 2026 15:24

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 8 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas and EV charging stations 3x Cash Back Earn 3% cash back in this chosen category. This rate applies to the first $2,500 in combined purchases across your chosen 3% category, grocery stores, and wholesale clubs each quarter, then 1%. You can change your chosen 3% category once a month. No Cap
Online shopping 3x Cash Back Earn 3% cash back in this chosen category. This rate applies to the first $2,500 in combined purchases across your chosen 3% category, grocery stores, and wholesale clubs each quarter, then 1%. You can change your chosen 3% category once a month. No Cap
Dining 3x Cash Back Earn 3% cash back in this chosen category. This rate applies to the first $2,500 in combined purchases across your chosen 3% category, grocery stores, and wholesale clubs each quarter, then 1%. You can change your chosen 3% category once a month. No Cap
Travel 3x Cash Back Earn 3% cash back in this chosen category. This rate applies to the first $2,500 in combined purchases across your chosen 3% category, grocery stores, and wholesale clubs each quarter, then 1%. You can change your chosen 3% category once a month. No Cap
Drug stores 3x Cash Back Earn 3% cash back in this chosen category. This rate applies to the first $2,500 in combined purchases across your chosen 3% category, grocery stores, and wholesale clubs each quarter, then 1%. You can change your chosen 3% category once a month. No Cap
Home improvement/furnishings 3x Cash Back Earn 3% cash back in this chosen category. This rate applies to the first $2,500 in combined purchases across your chosen 3% category, grocery stores, and wholesale clubs each quarter, then 1%. You can change your chosen 3% category once a month. No Cap
Grocery Stores and Wholesale Clubs 2x Cash Back Earn 2% cash back at grocery stores and wholesale clubs. This rate applies to the first $2,500 in combined purchases across your chosen 3% category, grocery stores, and wholesale clubs each quarter, then 1%. No Cap
All Other Purchases 1x Cash Back Earn 1% cash back on all other purchases, including purchases in 3% and 2% categories after the combined quarterly cap of $2,500 is met. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x (chosen category: gas, online shopping, dining, travel, drug stores, home improvement/furnishings), 2x (grocery stores, wholesale clubs)

Quarterly Rotating: No

Cap Amount: $2,500.00

Expiration Policy: Cash rewards do not expire as long as your account remains open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A

Redemption Penalties: None

Benefits & Protections (Detailed) 22 Total
PENDING
Account Management 4
Account Alerts
Customizable alerts

Receive alerts for important account activity, such as unusual spending or payment reminders.

Online & Mobile Banking
Comprehensive account management

Manage your account, pay bills, view statements, and more through Bank of America's secure online banking and mobile app.

Paperless Statements
Digital statements

Opt for paperless statements to receive your monthly statements electronically, reducing clutter and environmental impact.

Add Authorized Users
Share card access

Add authorized users to your account to share card benefits and manage spending for family members.

Cash Back Rewards 6
3% Cash Back in Choice Category
3% cash back

Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You can change your choice category once a month or keep it the same.

2% Cash Back at Grocery Stores and Wholesale Clubs
2% cash back

Earn 2% cash back at grocery stores and wholesale clubs.

1% Cash Back on All Other Purchases
1% cash back

Earn 1% cash back on all other purchases not included in the 3% or 2% categories.

Quarterly Cash Back Cap
$2,500 quarterly cap

The 3% and 2% cash back categories apply to the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. After reaching this cap, purchases in these categories will earn 1% cash back.

Rewards Don't Expire
Rewards never expire

Your cash rewards do not expire as long as your account remains open.

Flexible Redemption Options
Multiple redemption options

Redeem your cash rewards for a statement credit, direct deposit into a Bank of America checking or savings account, or a credit to an eligible Merrill account.

Digital Tools 1
Digital Wallet Compatibility
Compatible with major digital wallets

Easily add your card to your digital wallet (Apple Pay®, Google Pay™, Samsung Pay) for secure and convenient payments.

Fees & Costs 1
No Annual Fee
$0 annual fee

There is no annual fee for this credit card.

Financial Tools 1
Free FICO Score Access
Free FICO Score

Access your FICO® Score for free within your online banking account or mobile app.

Introductory Offer 3
0% Intro APR on Purchases
0% Intro APR for 15 billing cycles

Enjoy a 0% introductory APR for 15 billing cycles on purchases. After the intro period, a variable APR of 19.24% - 29.24% will apply.

0% Intro APR on Balance Transfers
0% Intro APR for 15 billing cycles

Enjoy a 0% introductory APR for 15 billing cycles on balance transfers made within the first 60 days of account opening. After the intro period, a variable APR of 19.24% - 29.24% will apply. A balance transfer fee of 3% applies to each transfer (minimum $10).

$200 Online Cash Rewards Bonus
$200 bonus

Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Payment Features 1
Contactless Payments
Tap to Pay

Tap to pay securely at millions of merchant locations worldwide with contactless technology.

Preferred Rewards Program 1
Preferred Rewards Bonus
25% - 75% more cash back

Bank of America Preferred Rewards members can earn 25% - 75% more cash back on every purchase, depending on their tier. This bonus is applied to the base cash back earnings.

Security 3
Fraud Protection
$0 Liability Guarantee

Enjoy $0 Liability Guarantee for unauthorized transactions, protecting you from fraudulent charges.

Chip Technology
EMV chip security

Enhanced security for in-store purchases with EMV chip technology.

Lost or Stolen Card Replacement
Expedited card replacement

Get a replacement card quickly if yours is lost or stolen.

Travel Services 1
Travel Notice
Travel notifications

Set travel notices to ensure uninterrupted card use while traveling internationally.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$200

Cash Back

Requirement: Spend $1,000 in 90 days

Timing: Typically within 8-12 weeks after requirement is met, often within 1-2 billing cycles.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $1.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $10 or 3% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 19.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: For 2026, based on current trends and rules, the Bank of America Customized Cash Rewards credit card is expected to continue offering a sign-up bonus (typically $200 cash back) after spending a specified amount (e.g., $1,000) within the first 90 days of account opening. Eligibility for the sign-up bonus usually requires the applicant to be a new cardholder for this specific product or not have received a bonus for it in the past 24 months. Bank of America enforces strict application rules, commonly known as the '2/3/4 Rule' for new credit card applications: a maximum of 2 new Bank of America cards in the past 2 months, 3 new Bank of America cards in the past 12 months, and 4 new Bank of America cards in the past 24 months. These rules apply across all Bank of America branded credit cards. Applicants generally need good to excellent credit (FICO score 670+) for approval, along with a stable income.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, money orders), high cumulative credit limit across all BoA products relative to income, sudden large or unusual transactions, not using the card for extended periods after earning a bonus, cycling credit, defaulting on other Bank of America accounts (e.g., loans, mortgages), excessive balance transfers, or suspected fraud.

Cliff Effect Rules: Bank of America does not have specific 'card family' cliff effects where applying for one card might preclude you from another within the same family. However, the overarching '2/3/4 Rule' applies across *all* Bank of America branded credit cards, meaning that applying for any BoA card counts towards these limits, regardless of the specific product. This limits the pace at which new BoA cards can be acquired.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.1 / 5.0

Top Positive:
Customizable 3% cash back category, no annual fee, and potential for high rewards with Preferred Rewards program.

Top Negative:
Cash back cap on bonus categories, 1% base rate, and foreign transaction fees.

Approval Experience: 82.5 / 100

Recommended Alternatives
  • Chase Freedom Flex
  • Citi Custom Cash Card
  • Discover it Cash Back

Card Value Score: 78.0 / 100

Est. Annual Rewards: $300.00

Approval Probability: 90.0%

Version Control
PENDING

Version ID: v1.0