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Earn More Rewards with the Bank of America® Customized Cash Rewards Credit Card
The Bank of America® Customized Cash Rewards credit card is a flexible financial tool that can help you earn cash back on your everyday purchases. The card provides an impressive 3% cash back on the category of your choice (gas, online shopping, dining, travel, drug stores or home improvement/furnishings). Plus, you’ll earn 2% cash back at grocery stores and wholesale clubs, and 1% on everything else. The best thing about this card is its versatility — you can select your 3% cash back category each month from a list of options, so you can always make sure it aligns with how you spend.
New cardholders can also access a onlinecashrewardsbonusonlinecashrewardsbonus after making 1,000 in purchases in the first 90 days of accountopening. In addition, there’s a 0% intro APR for 15 billing cycles on purchases and balance transfers (with a 3% balance transfer fee), great for anyone looking to defer interest.
The card also features a simple redemption process that lets you use your cash back as a statement credit, deposit it into a Bank of America® checking or savings account or even cash it in for gift cards. The Bank of America® Customized Cash Rewards credit card has no annual fee and one of the best, most user-friendly mobile apps around.
Special Offer on the Bank of America® Customized Cash Rewards Credit Card
Flexible 3% Cash Back Categories: An appealing selling point of this card is the ability to choose your 3% cash back category. It allows you to customize how you earn rewards — whether you spend more on gas, going out to eat or shopping online. Additionally, you can switch your category once per month, so you’re always earning the most rewards possible.
Generous Sign-Up Bonus: New cardholders can earn a 200cashrewardsbonusafterspending just 1,000 in the first 90 days. This bonus can help you jump-start your cash back earnings and help offset your out-of-pocket costs at the beginning.
0% Intro APR: 0% intro APR on purchases and balance transfers for 15 billing cycles. This feature is also ideal for financing a significant purchase or consolidating debt, as long as you’re not accumulating interest during the promotional period.
No Annual Fee: Unlike many rewards cards, the Bank of America® Customized Cash Rewards credit card has no annual fee. This is a great budget option for people looking to earn cash back without worrying about additional fees.
Drawbacks to Consider Before Applying for the Bank of America® Customized Cash Rewards Credit Card
3% Cash Back Cap: Although getting 3% cash back in your choice category is nice, it only applies to the first $2,500 in combined purchases per quarter. After you cross this threshold, you’ll receive only 1% cash back in that category. This may limit the reward potential for high spenders.
Balance Transfer Fee: While this card comes with a 0% introductory APR on balance transfers, you’ll pay 3% for each transfer. Though this fee is normal among credit cards, it’ll be something to remember in the event you’re aiming to transfer a big balance.
5 Steps to Apply for the Bank of America® Customized Cash Rewards Credit Card
The application for the Bank of America® Customized Cash Rewards credit card is simple and can be done online in a matter of minutes. To set up an account, you’ll be asked for some basic personal and financial information, like your name, address, Social Security number and annual income. Use this information to assess your creditworthiness and eligibility for the card. If approved, you’ll receive your card in the mail in 7-10 business days. So there’s no playing around — and it’s quick and easy to apply, so you can immediately earn cash back rewards. We’ve provided the five easy steps to apply for this card and gain access to its many benefits.
How to Apply for the Bank of America® Customized Cash Rewards Credit Card in 5 Easy Steps
- Visit the Official Website: First, head to the Bank of America® website and search for the credit cards section.
- Select the Customized Cash Rewards Card: Click on the Bank of America® Customized Cash Rewards credit card[1] in the list of options.
- Apply Now: Click on the “Apply Now” button to start your application.
- Complete the Application: Enter your personal information, such as your name, address, Social Security number, and annual income.
- Submit & Wait for Approval: Finally, review everything for accuracy and submit your application. Then, you’ll just need to wait for Bank of America® to process your request.
Why You Must Have Bank of America® Customized Cash Rewards Credit Card For Smart Spendings
Powerful; features wide benefits that fit your spending habits and lifestyle. You can earn 3% cash back in the category you care about most, be it gas, dining, online shopping or travel. The ability to change your category monthly, guarantees that you’re always getting the most rewards possible. Plus, the 2% cash back at grocery stores and wholesale clubs and 1% on all other purchases also helps make this card a good choice for everyday purchases.
If you are a new cardholder, the $200 online cash rewards bonus is a great bait to start, and the 0% intro APR for 15 billing cycles on purchases and balance transfers makes it a good option for managing bigger purchases or debt consolidation. With no annual fee, the card is also a cost-effective opportunity for cash back without the extra costs.
If you can get past the few drawbacks, like the $2,500 cap on your 3% cash back each quarter and the 3% balance transfer fee, it’s easy to see how much better the card is than most people would realize. In general, the Bank of America® Customized Cash Rewards credit card is a superb choice for anyone looking for some extra cash with a flexible, rewarding, and low-cost credit card solution. Sign up now to start sharing those perks!
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