Reviews
Bank of America Customized Cash Rewards credit card review: is it worth it?
The Bank of America Customized Cash Rewards credit card offers 3% cash back on select purchases, and a $200 welcome bonus. Learn more about the benefits, drawbacks, and whether or not this is a good choice for your financial needs.
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by Aline Barbosa
Bank of America Customized Cash Rewards credit card: 3% cash back on the things you want most

If you’re looking for a great everyday card that matches your lifestyle, the Bank of America Customized Cash Rewards credit card might be the perfect choice for you. Its customizable earning options allow cardholders to choose their 3% cash back from different categories each month, which is an excellent deal for those who don’t have a traditional spending habit.
The card offers an easy-to-get welcome bonus of $200 online cash rewards. There is no annual fee and a 0% intro APR for the first 15 billing cycles. So, if you want to learn more about the benefits as well as the drawbacks of this credit card, keep reading our full review below.

How do you get the Bank of America Customized Cash
Learn how to apply for the Bank of America Customized Cash Rewards card and get yourself a credit card with a rewards program that you can tailor to your spending habits.
Credit Score | 670 to 850 |
Annual Fee | $0 |
Regular APR | 13.99% – 23.99% (variable) |
Welcome bonus | $200 online cash rewards after at least $1000 in purchases within the first 90 days of opening the account |
Rewards | No annual fee; Cash back; Good APR intro. |
Bank of America Customized Cash Rewards credit card
This card is a solid choice for anyone looking for a customizable rewards format. That is because it is one of the few cards in the market that allows you to choose how to redeem your cash back points according to your personal needs.
It comes with a Visa signature, which means it is widely accepted nationwide, and you can use it for in-person shopping or online deals. The card’s low introductory intro APR offer and no annual fee can be a deciding factor for new cardholders. Also, Preferred Rewards members can earn up to 75% more cash back in each purchase.
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Bank of America Customized Cash Rewards card: should you get one?

Before applying for any product that can affect your credit score, you should always consider not only its benefits but also its disadvantages. That said, check out some of the this product’s highlights and drawbacks below.
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Pros:
- No annual fee and the rewards earned never expire.
- Customizable earning format.
- Great intro APR and balance transfers.
- 3% cashback on gas, online shopping, drugstores, travel, and more.
- 2% cashback on groceries and wholesale clubs.
- 75% more cashback for Preferred Rewards members.
- Option to swap 3% cashback categories once a month.
Cons:
- $2,500 spending limit per quarter in the 3% and 2% cashback categories.
- Requires minimum spending on the welcome bonus for new clients.
- Not suitable for big spenders who are looking for better cashback profits.
- 3% foreign fee.
Credit scores required
If you’re interested in applying for this card, you need a credit score ranging from good (670) to excellent (850). Anything below 670 will most likely undermine your chances of approval.
Bank of America Customized Cash Rewards credit card application: how to do?
Now that you’ve learned everything this product has to offer, how about applying for your very own Bank of America Customized Cash Rewards Credit card? We will show you how at the following link!

How do you get the Bank of America Customized Cash
Learn how to apply for the Bank of America Customized Cash Rewards card and get yourself a credit card with a rewards program that you can tailor to your spending habits.
Aline Barbosa
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