Bank of America Custom Cash Rewards: How to Apply, Benefits & Fees®

If you’re considering a Bank of America Customized Cash Rewards application, here’s what you need to know.

Managing your finances smartly is no longer just an option—it’s a necessity in today’s fast-paced world.

Whether you’re a frequent shopper, a foodie, or someone who loves exploring new destinations, this card adapts to your lifestyle.

It empowers you to earn rewards on purchases that matter most to you, providing a personalized financial experience.

With flexible cash back categories and user-friendly features, this card stands out as a versatile tool for anyone seeking financial convenience and value.

Let’s dive into how you can claim your Bank of America Customized Cash Rewards® and maximize its benefits.

Step-by-Step Bank of America Customized Cash Rewards Application Guide

Getting started with the Bank of America Customized Cash Rewards® credit card is simple and straightforward.

Begin by visiting the official Bank of America website and navigating to the credit card application section.

You’ll need to provide basic personal details, including your name, address, Social Security number, and income information.

Once your application is submitted, Bank of America will review your credit history and financial information to determine your eligibility.

If approved, your new card will be delivered promptly, and you can start earning cash back on your purchases.

For existing Bank of America customers, the process is even more seamless.

Log in to your online banking account to prefill application details, saving you time and effort.

Why the Bank of America Customized Cash Rewards Card Stands Out

The standout feature of this card is its customizable cash back rewards. Choose a 3% cash back category that aligns with your spending habits—whether it’s gas, online shopping, dining, travel, drug stores, or home improvement.

Additionally, you’ll earn 2% cash back at grocery stores and wholesale clubs and 1% on all other purchases.

Another highlight is the generous introductory bonus. Earn $200 in cash rewards after spending $1,000 within the first 90 days of opening your account—a fantastic way to kick-start your rewards journey.

The card also comes with no expiration on rewards as long as your account remains active.

Plus, it integrates with Bank of America’s Preferred Rewards program, allowing eligible members to boost their cash back rates by 25% to 75%, depending on their program tier.

Know the fees

The Bank of America Customized Cash Rewards® credit card comes with no annual fee, making it accessible for users looking to maximize their rewards without extra costs.

The card offers a 0% introductory APR for 15 billing cycles on purchases and balance transfers made within the first 60 days.

After the introductory period, the variable APR ranges between 18.24% and 28.24%, depending on your creditworthiness.

Balance transfer fees are 3% of the amount transferred, with a minimum of $10.

It’s worth noting that foreign transaction fees of 3% apply, making this card less ideal for international travelers. However, for domestic use, it provides excellent value.

With its flexible rewards, user-friendly application process, and transparent fee structure, the Bank of America Customized Cash Rewards® credit card is a powerful ally for anyone looking to optimize their spending.

Tailor your rewards to fit your lifestyle and start enjoying financial benefits that truly work for you.

Ready to claim your card? Take the first step toward smarter spending today!

Ingrid 20 de January de 2025