Last Updated: 07/28/2025
Bank of America® Customized Cash Rewards Credit Card
Unaffiliated
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)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
19.24% - 29.24%(Verified 08/24/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Disclaimer popup with additional information
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
| The Good | The Bad |
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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) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Credit Cards from Bank of America
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
12.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 23.9%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$59
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$89
Rating not yet determined
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$550
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +48, or 4 on a 5-point rating scale.
+48
-1000+100
No one recommends
Everyone recommends
Bank of America® Customized Cash Rewards Credit Card Community Reviews
Would you recommend Bank of America® Customized Cash Rewards Credit Card to your friends?
Mohammed M.
Mar 4, 2022
May or may not recommend
Great company...loveeee theyre app interface easy to you and excellent customer service!
IH
Irem H.
Feb 22, 2022
May or may not recommend
I have had this credit card for 5 years by now and am pretty happy about it. You don't pay annual fees, pay low interest rates and get cash rewards frequently. You can either get cash rewards to your credit card or your checking account which is great! Bofa takes care of its customers. Highly recommended!
JL
Jamie L.
Feb 22, 2022
May or may not recommend
I've been a member of Bank of America since I've been banking. I trust them with my finances and their rates are reasonable. Not too many fees and there's always someone to answer your questions.
FI
Fatima I.
Jan 20, 2022
May or may not recommend
I was very happy to be approved with Bank of America and this is my first credit card in the US. My starting credit limit is $500 so I can start with building my credit. The first visit we had, the bank officer who assisted us said that I may have to pay as much as $200 for deposit in order to get a partially secure credit card since I ...Show More
Renee D.
Jan 5, 2022
May or may not recommend
This was my first personal credit card. The limit started at $500 with the intent of building up credit. I got this card around 19 years old and at 28 I still have it. The limit is now ten times the original limit. It is, fortunately and unfortunately, my most used card. The app makes managing the account easy and the online website operates similarly. The interest rate is relatively ...Show More
JN
Joel N.
Dec 21, 2021
May or may not recommend
It's an okay card. It's really only good if you have a premium account with Bank of America so you can earn additional rewards.
VJ
Vallarie J.
Nov 10, 2021
May or may not recommend
I had this credit card when I was a student, and after I graduated, I got the regular cash rewards card! I loved it while I was a student so I wanted to continue using it post grad! I love bank of america, they have not let me down yet! I have a checking, savings, and a travel rewards credit card in addition to the cash rewards card. Wouldn't want ...Show More
BD
Bourama D.
Nov 9, 2021
May or may not recommend
The Bank of America credit card system has a long way to go. Personally, it was my first credit card in the US. But I got many experience belling on my credit card without my will. This is a big issue even though they paid back my money every time, but it still annoying to know that someone else use your credit card so easily. Also, the rate is high ...Show More
AT
Antonio T.
Jul 15, 2021
May or may not recommend
Not accepted as a new credit card holder. They even left a strike on my credit and only sent by email that I wasn't approved.
ES
Emily S.
Jun 23, 2021
May or may not recommend
Personally I don't like this card because the interest rate is very high and the cash back rewards are very low. There are better cards out there to build your credit. It is a nice beginner card to have for a year because you can get bigger bonuses the first year of owning it. However, there is no annual fee.
KR
Kristina R.
Apr 12, 2021
May or may not recommend
I have had a good experience with card, however one one occasion I had to work tirelessly for 3 days to resolve a disputed transaction.
LL
Lucky Lou L.
Jan 6, 2021
May or may not recommend
This is one of the banks that my husband's employer suggested when we were looking for an institution to open an account with. We eventually chose it after hearing good reviews from our relatives and friends. We are happy with their service so far. They are quick in responding to any query. When we needed some document from them, they provided it without hesitation. Overall, I give this institution a ...Show More
SL
Sean L.
Dec 23, 2020
May or may not recommend
The Bank of America Cash Awards card was offered to me after a few months of my banking with Bank Of America with my regular checking and saving account. I decided to give it a try and was very satisfied with all of the benefits from the cash awards card from Bank of America. I was able to get approved with a very average credit score and a fair interest ...Show More
CS
C S.
Dec 22, 2020
May or may not recommend
Great personal credit card for just about anyone. This card is especially great for students or anyone in credit recovery. The 0 APR period and 0 annual fee are both very beneficial and will save you money. This card helped me build some credit and get a little cash back in the process. The cash back rewards could be better but that's what you get for a $0 annual ...Show More
Sara D.
Dec 8, 2020
May or may not recommend
I highly recommend the Bank of America Cash Rewards Personal Credit Card. First, if you are a Bank of America banker then this credit card can be easily seen on your BOA account/app. It is easy to use the app with all of you BOA things which is why this is my go to card. The cash back categories are what I use on a daily basis. It is easy ...Show More
NI
Nicole I.
Nov 2, 2020
May or may not recommend
Having a Bank of America credit card for years now, I can safely say that this is the best credit card to use. First, I find the customer service to always be very helpful. My grandmother also uses this credit card, and she also claims how nice, friendly, and understanding the customer service is to her. Something else I love about this card is that there are no annual fees, ...Show More
CL
Cnadace L.
Oct 11, 2020
May or may not recommend
I have been using the Bank of America Cash Rewards credit card for 4 years. I would recommend this to anyone, but it is especially good for those who do not have any credit history or looking to apply for their first credit card. It is fairly easy to get approved, and Bank of America employees are always very helpful in helping us apply for one. We get cash back ...Show More
PR
Poorva R.
Oct 9, 2020
May or may not recommend
I would definitely recommend the Bank of America Cash Rewards Card since it allows you to customize your rewards structure by choosing categories every month. This flexibility Is amazing as you can earn maximum rewards by selecting categories based on your purchases. And Bank of America also provides a breakdown of your spendings per category so customizing your rewards structure is like a cakewalk. I took advantage of this benefit ...Show More
JP
Jacob P.
Oct 2, 2020
May or may not recommend
I have used the Bank of America Cash Rewards card for the past 4 years and am very happy with it. Probably the biggest strength of this card comes with the generous 0% intro APR period and the large amount of rewards available. If you are the type of person to use rewards and cashback bonuses frequently, then this card is perfect for you.
DG
David G.
Sep 23, 2020
May or may not recommend
I have had this card for years and would 100% recommend. The cash back options are flexible, and the user is allowed to select which type of purchases they wish cash back points on (i.e. groceries, restaurants, etc.) . Also, anytime I have accidentally missed a payment, Bank of America has waived the fees. Great company and great product.
Showing 20 of 25 reviews
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