Written Best for
- Cash Back Seekers
- Students
- Everyday Spending
- U.S. Supermarket Spending
Considerations
- Rewards Program (Cashback, Points, Miles)
- Sign-Up Bonus
- Reward Redemption Options
Pros
- Free FICO® Score access
- Low intro APR on balance transfers
- Competitive cash-back reward rates
- Solid welcome bonus
Cons
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- 3% Foreign fee
- While the $200 bonus offer may seem less competitive, it's a valuable incentive for new cardholders to kickstart cash back earnings.
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.
See our full methodologyIn This Review
Review: Bank of America® Customized Cash Rewards Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score Bank of America® Customized Cash Rewards Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Excellent |
| Regular APR | Fair |
| Annual Fee | Exceptional |
| Welcome Bonus | Exceptional |
| Rewards | Good |
| Benefits | Very Good |
| Recommended Credit Score | Good |
| Foreign Transaction Fee | Good |
| Cash Advance Fee | Very Good |
| Balance Transfer Fee | Very Good |
Who can apply for Bank of America® Customized Cash Rewards Card?
We have categorized Bank of America® Customized Cash Rewards Card 4 main useful user criteria. it's applied using the Lootrs methodology.
Bank of America® Customized Cash Rewards Card Annual Fee
Card type: Student Credit Cards
Issuer Name: Bank of America
No annual fee
The Bank of America® Customized Cash Rewards credit card, with an annual fee of $0, offers a range of benefits and rewards tailored to your spending habits. Enjoy perks such as cash back, travel rewards, or points on every purchase, making it a valuable addition to your wallet.
Welcome Bonus
The Bank of America Customized Cash Rewards Credit Card extends a valuable welcome bonus to new cardholders. By meeting the spending threshold in time, you can earn a big cash bonus. It will add to the value of your initial card usage. This bonus jumpstarts your cash back earnings, enriching your overall card experience.
New cardholders can get the bonus with the Bank of America Customized Cash Rewards Credit Card. By meeting the spending requirement in the set time, you unlock a cash bonus. This will kickstart your cash back earnings and maximize your new card's value. This bonus enhances your card experience from the start.
APRs: Bank of America® Customized Cash Rewards Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the Bank of America® Customized Cash Rewards Card.
| Type of APR | Rating |
|---|---|
| Intro APR - and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. | 9.5/10Excellent |
| Regular APR - 18.24% - 28.24% Variable APR on purchases | 7/10Fair |
| Purchase - 18.24% - 28.24% Variable APR on purchases and balance transfers | 8.5/10Very Good |
| Balance transfer - 3% intro APR on Balance Transfers for 2 months, and then 4% | 9.4/10Very Good |
| Cash advance - For Direct Deposit and Check Cash Advances, you'll incur a $10 fee or 3% of the transaction amount. You pay whichever is greater. The fee for ATM, Over-the-Counter, Same-Day Online, and Cash Equivalent Cash Advances is $10 or 5% of the transaction amount. It's whichever is greater. Overdraft Protection Cash Advances come with a $12 fee per transaction. | 8.6/10Very Good |
| Penalty - Up to 29.99% | 8/10Good |
Bank of America® Customized Cash Rewards Card Benefits
Certainly! Here's a table. It shows the benefits of the Bank of America® Customized Cash Rewards credit card:
| Benefits | Score |
|---|---|
| Cash Back Rewards Earn 3% cash back on everyday purchases. You get bonuses for gas. You also get them for shopping online, dining, travel, drug stores, and home improvements. |
9.3/10Very Good |
| No Annual Fee Enjoy the card's benefits. You won't pay an annual fee. This makes it a cost-effective choice for student cardholders. |
10/10Exceptional |
| Flexible Redemption Redeem cash back rewards as a statement credit, deposit into a Bank of America® checking or savings account, or use it for purchases. |
8.6/10Very Good |
| Introductory Offer Enjoy a $200 online cash rewards bonus after spending $1,000 in the first 90 days, providing a rewarding start. |
9/10Very Good |
| Category Spend Limit Benefit from a combined spend limit of $2,500 on 2% and 3% categories each quarter, maximizing rewards potential. |
9/10Very Good |
Bank of America® Customized Cash Rewards Card Rewards
Bank of America® Customized Cash Rewards Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
- Enjoy 3% cash back on a category of choice including gas, online shopping, dining, travel, drug stores, or home improvements.
- Earn 2% cash back on grocery store and wholesale club purchases, maximizing savings on everyday essentials and bulk items.
- Get up to $2,500 combined spend limit on 2% and 3% categories each quarter
- 1% cash back on other purchases.
Bank of America® Customized Cash Rewards credit card Rewards Potential
| Category | Cash Back Percentage | Estimated Annual Spend | Estimated Annual Earnings |
|---|---|---|---|
| Gas Stations | 3% | $1,200 | $36 |
| Online Shopping | 3% | $1,500 | $45 |
| Dining | 2% | $2,000 | $40 |
| Travel | 2% | $1,500 | $30 |
| Drug Stores | 2% | $800 | $16 |
| Home Improvements | 2% | $1,000 | $20 |
| Grocery Stores/Wholesale Clubs | 1% | $3,000 | $30 |
| Other Purchases | 1% | $7,000 | $70 |
| Total: $287 |
Recommended Credit Score
Credit Score : 690 - 850 (Fair - Exceptional)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.The Bank of America® Customized Cash Rewards Card recommends a credit score of 690 (Fair) to 850 (Exceptional). That range is from Fair to Exceptional. This range ensures eligibility for tailored benefits and rewards. It aligns with your credit profile and financial needs. Apply now to access exclusive perks designed to enhance your credit card experience.
Compare The Bank of America® Customized Cash Rewards Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Bank of America® Customized Cash Rewards Card
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Discover it® Student Cash Back Card
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Capital One SavorOne Student Cash Rewards Card
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|---|---|---|
| 8.7MyCreditCardLab Score |
9.0MyCreditCardLab Score MyCreditCardLab Score 9.0We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
9.1MyCreditCardLab Score MyCreditCardLab Score 9.1We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
| INTRO APR | ||
| 0% first 15 billing cycles | 0% intro APR for 6 months | 0% intro APR for 15 months |
| REGULAR APR | ||
| 18.24% - 28.24% Variable APR | 18.24% - 27.24% Variable APR | 19.99% - 29.99% (Variable) |
| WELCOME BONUS | ||
| $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. | Discover will match all cash back earned at the end of your first year with the card. | Earn $50 Cash Back when you spend $100 in the first three months |
| REWARDS | ||
| choose the category that earns 3% for eligible spending. | 5% cash back on rotating quarterly bonus categories | Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases. |
| BENEFITS | ||
| $0 liability guarantee for fraudulent transactions, Paperless statement, Digital wallet | Choice of card designs, Text and email alerts | No annual fee, International use, Entertainment |
| CASH ADVANCE FEE / APR | ||
| 3% (min $10) / 3% | 5% (min $10) / 18.24% - 27.24% Variable | 5% (min $5) / 5% |
| BALANCE TRANSFER FEE | ||
| 3% for 60 days from account opening, then 4% | 10.99% APR on Balance Transfers for 6 months, and then 18.24%-27.24% Variable APR | 0% APR on Balance Transfers for 15 months, and then 19.99% - 29.99% Variable APR |
| RECOMMENDED CREDIT SCORE | ||
| 690 - 850 (Fair - Exceptional) | 630 - 689 (Poor - Fair) | 630 - 689 (Poor - Fair) |
| FOREIGN TRANSACTION FEE | ||
| 3% | None | None |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
Bank of America Credit Card Login
Follow these easy steps:
Step 1. Go to the Login Bank of America credit card page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Bank of America credit card Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the Bank of America® Customized Cash Rewards credit card below and get the answers you're looking for.
You can earn cash back on everyday purchases, with bonus categories like gas, online shopping, dining, travel, drug stores, or home improvements. Plus, get 2% cash back at grocery stores and wholesale clubs.
New cardholders can get a $200 online cash bonus. They get it after spending $1,000 in the first 90 days of account opening.
Yes, there is a combined spend limit of $2,500 on 2% and 3% categories each quarter. Purchases beyond this limit will earn 1% cash back.
You can redeem your cash back rewards as a statement credit. You can also deposit them into a Bank of America® checking or savings account. Or, you can use them for purchases.
No, there is no annual fee for this card, making it a cost-effective choice for student cardholders.
Yes, international students in the U.S. may be eligible. They need a valid U.S. address and other required documents to apply.
Yes, there is a foreign transaction fee of 3% of the U.S. dollar amount of each transaction made outside the U.S.
