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

Maximize Your Spending Power with a Tailored Cash-Back Program
If you’re seeking to enhance your purchasing power, the Bank of America Customized Cash Rewards Credit Card offers an attractive opportunity. This credit card stands out because of its personalized cash-back rewards program, designed to align with your specific spending habits. By enabling cardholders to earn rewards on purchases that resonate most with their lifestyle, it ensures you get the most out of your spending.
Flexible Cash-Back Options
The card offers a remarkable 3% cash back in a category that you can choose according to your preferences. Whether your highest expenses are on groceries, gas, dining, travel, or online shopping, this card adapts to suit your needs. Additionally, you can benefit from an extra 2% cash back at grocery stores and wholesale clubs, which can translate to substantial savings over time. It’s worth noting, however, that these rewards apply to the first $2,500 in combined purchases each quarter, providing an incentive to plan your spending strategically.
Introductory APR and Financial Benefits
Another appealing feature for new cardholders is the introductory APR of 0% on purchases for the first 15 billing cycles. This offers a valuable window for managing significant expenses or large purchases without the immediate pressure of interest charges. For those looking to spread out payments on high-cost items, this can be particularly advantageous.
Understanding the application process and conditions for this credit card is crucial. By effectively applying and making use of the benefits offered, you can open the door to more personalized financial incentives, which in turn can significantly enhance your purchasing power and contribute positively to your financial well-being.
Additional Considerations
- Ensure you comprehend the full terms and conditions associated with the card to best utilize its features.
- Consider the potential to increase rewards by coordinating high-expense periods with the cash-back categories.
- Evaluate whether the card’s benefits align with your spending patterns to optimize advantages.
Benefits of the Bank of America Customized Cash Rewards Credit Card
1. Flexible Cash Back Options
The Bank of America Customized Cash Rewards Credit Card offers a unique cash back program that allows cardholders to maximize their spending. You earn 3% cash back in a category of your choice, including gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Additionally, you receive 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. To make the most of this benefit, periodically review your spending habits and adjust your chosen 3% category to align with your current expenses.
2. No Annual Fee
The absence of an annual fee makes the Bank of America Customized Cash Rewards Credit Card an attractive option for those seeking to save money on card costs. This feature enables cardholders to retain more of their earned cash back without worrying about offsetting hefty annual expenses. Remember to check other associated fees and operate within the terms of the card agreement to fully leverage this benefit.
3. Introductory 0% APR Offer
This credit card provides an enticing introductory offer of 0% APR on purchases and balance transfers for the first 15 billing cycles. This feature can be advantageous for cardholders looking to make significant purchases or consolidate higher-interest debt without incurring additional interest costs in the short term. Be sure to plan for a transition to the regular APR after the introductory period and pay attention to any balance transfer fees.
4. Preferred Rewards Program
Members of the Bank of America Preferred Rewards program can enhance their cash back earnings by receiving a bonus of up to 75% more cash back, depending on their tier. This potentially elevates your 3% category cash back rate to 5.25%. To benefit from this perk, consider joining the program and maintaining qualifying accounts to elevate tier status.
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Requirements for the Bank of America Customized Cash Rewards Credit Card
- Applicants must have a minimum annual income that demonstrates their ability to manage credit payments responsibly. While a specific income amount is not publicly disclosed by Bank of America, a stable income source is crucial to meet eligibility criteria.
- Possessing a good to excellent credit score is essential to qualify for this credit card. Typically, a FICO score of 670 or higher is recommended to increase approval chances, reflecting creditworthiness and responsible credit behavior.
- Applicants are required to provide necessary identification documentation, which generally includes a valid Social Security number and a government-issued ID, such as a driver’s license or passport.
- Having a U.S. residential address is mandatory, as the credit card is primarily available for residents within the United States. Post office box addresses are typically not accepted for credit card applications.
- Providing details of an existing Bank of America account might be required, if applicable, to facilitate a smoother application process and connection of banking accounts for potential rewards and benefits.
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How to Apply for the Bank of America Customized Cash Rewards Credit Card
Step 1: Visit the Bank of America Website
Start the application process by navigating to the Bank of America official website. You can do this by entering the URL: www.bankofamerica.com in your browser’s address bar. Once the homepage loads, locate the “Credit Cards” section either through the main navigation menu or by using the search function to find the Bank of America Customized Cash Rewards Credit Card.
Step 2: Review Card Details and Eligibility
Carefully examine the features, benefits, and terms related to the Bank of America Customized Cash Rewards Credit Card. Pay special attention to details such as interest rates, rewards structure, and any applicable fees. It’s vital to ensure that you meet the eligibility criteria, which typically include being at least 18 years old and a resident of the United States, along with an assessment of your creditworthiness.
Step 3: Initiate the Online Application Process
Once you have confirmed your eligibility and are satisfied with the card’s terms, click on the “Apply Now” or similar link to begin your application. You will be asked to provide personal information, including your full name, Social Security number, employment details, income information, and contact details. Ensure that all information is accurate and complete to avoid delays in processing your application.
Step 4: Review and Submit Your Application
Before submitting your application, carefully review all entered details for accuracy. Confirm that you understand the terms and conditions of the card, as well as any consent regarding electronic communications or credit checks. When you are ready, finalize your application by clicking on the “Submit” button. Bank of America will then process your application, usually providing a response within minutes.
Step 5: Await Approval Decision
After submission, you will receive a decision on your application either instantly or via email within a few business days. If additional information is required, Bank of America may contact you directly. Upon approval, expect to receive your new Bank of America Customized Cash Rewards Credit Card by mail within 7-10 business days.
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Frequently Asked Questions about the Bank of America Customized Cash Rewards Credit Card
What are the main features of the Bank of America Customized Cash Rewards Credit Card?
The Bank of America Customized Cash Rewards Credit Card offers a unique rewards program, featuring 3% cash back in a category of your choice, such as gas, online shopping, dining, travel, drug stores, or home improvement. Additionally, it provides 2% cash back at grocery stores and wholesale clubs. All other purchases earn 1% cash back. The 3% and 2% categories apply to the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, after which 1% is earned.
Are there any introductory offers for new cardholders?
Yes, new cardholders can take advantage of a 0% introductory APR on purchases and on balance transfers for the first 15 billing cycles. After the introductory period, the APR will be a variable rate based on the prime rate, currently ranging from 18.24% to 28.24%. Additionally, a cash rewards bonus may be available for new cardholders if a specified spending threshold is met within the first 90 days of account opening.
Is there an annual fee for the Bank of America Customized Cash Rewards Credit Card?
This credit card comes with no annual fee, making it a cost-effective option for those seeking to earn rewards without the burden of yearly charges.
How can I maximize my cash back earnings with this card?
To maximize your cash back earnings, you should optimize your choice category based on your regular spending habits. Evaluate which of the available categories—such as gas, online shopping, or groceries—aligns with your monthly expenses and allocate the 3% category accordingly. It is also advantageous to track your quarterly spending to ensure you make the most of the higher reward rates before reaching the $2,500 cap.
Are there any additional benefits or protections that come with this card?
Yes, cardholders benefit from several added features, including zero liability for unauthorized transactions, overdraft protection if you have a Bank of America checking account, and access to FICO® Score updates. Moreover, Preferred Rewards members can enjoy bonus rewards of 25% to 75% on every purchase, depending on their tier, further enhancing the card’s value.

Linda Carter is a writer and financial consultant specializing in economics, personal finance, and investment strategies. With years of experience helping individuals and businesses make complex financial decisions, Linda provides practical analyses and guidance on the The House On Cliff platform. Her goal is to empower readers with the knowledge needed to achieve financial success.