Last Updated: 07/28/2025
Bank of America® Customized Cash Rewards Credit Card
Unaffiliated
in Credit Cards from Bank of America
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +48
Mostly recommended25 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
19.24% - 29.24%(Verified 08/02/2024)
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Balance Transfer APR (Variable APR)
19.24% - 29.24%(Verified 08/24/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
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Number of Reviews
Bank of America® Customized Cash Rewards Credit Card Review
This is a cashback credit card issued by Bank of America. If you're wondering whether Bank of America® Customized Cash Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.24% up to 29.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.$0
- A 3% balance transfer fee. Bank of America® Customized Cash Rewards Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. Bank of America is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Bank of America Cash Rewards credit card
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Bank of America Cash Rewards credit card FAQ
Does Bank of America Cash Rewards credit card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Bank of America Cash Rewards credit card have a signup bonus?
Yes. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Does Bank of America Cash Rewards credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Bank of America Cash Rewards credit card benefits?
Bank of America® Customized Cash Rewards Credit Card provides the following benefits:
- Free Credit Score
- Zero fraud liability
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Bank of America Cash Rewards credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Bank of America® Customized Cash Rewards Credit Card has a variable purchase APR that ranges from 19.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 19.24% up to 29.24%. It also has a variable cash advance APR that ranges from 19.99% up to 29.99%.
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Bank of America Cash Rewards credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.24% - 29.24% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Bank of America Cash Rewards credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 18 months.
What are the fees for Bank of America Cash Rewards credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Bank of America Cash Rewards credit card have a foreign transaction fee?
Bank of America Cash Rewards credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Bank of America Cash Rewards credit card?
The customer service number for Bank of America Cash Rewards credit card is (800) 932-2775.
What is the support contact email for Bank of America Cash Rewards credit card?
The support contact email for Bank of America Cash Rewards credit card is customerservicealert@bankofamerica.com.
What is the login page for Bank of America Cash Rewards credit card?
You can access the login page of Bank of America Cash Rewards credit card here.
How do people rate the customer service and user experience of Bank of America Cash Rewards credit card?
Overall, Bank of America Cash Rewards credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does Bank of America® Customized Cash Rewards Credit Card report your account activity to credit bureaus?
Yes, Bank of America® Customized Cash Rewards Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Bank of America perform a hard credit pull?
Yes, Bank of America Cash Rewards credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Bank of America Cash Rewards credit card
- Visit the website of Bank of America Cash Rewards credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Bank of America® Customized Cash Rewards Credit Card's published terms & conditions
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