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Bank Of America Customized Cash Rewards Credit Card

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welcome offer

Earn $200 after spending $1,000 within the first 3 months. Intro 0% APR for 15 months on purchases and balance transfers (after that 13.99% - 23.99% variable).

Bonus Value

Approximately $200*

Annual Fee

$0

Card Rewards

3% on your choice of one of the following categories: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cashback on groceries and wholesale clubs (up to $2,500 spent each quarter combined with the 3% categories, then 1%)

1% everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Bank Of America Customized Cash Rewards card is great for BOA rewards as they offer an additional 25%/75% rewards bonus on every purchase for preferred rewards customers. Worth it to be a customer! Earn 3% on these categories and on more: gas, online shopping, and travel.

Card-Smart Tips & Advice
  • Max cards: Bank of America will only approve you for 2 Bank of America personal cards within 2 months, 3 Bank of America personal cards within 12 months, and 4 Bank of America personal cards within 24 months
  • You cannot get approved for a personal Bank of America card if you have more than 5 Bank of America personal credit cards open
  • BOA 2/6 cards in 12 months rule: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers.  Except if your a BOA bank account holder, then, you can get approved even if you opened up to 6 cards in 12 months
  • Credit bureau: Bank Of America will usually pull your Experian credit report (If you freeze Experian then Bank Of America will pull your TransUnion credit report)
  • Combining same-day credit inquiries: Credit inquiries for all Personal BOA cards for same-day applications will be combined; also, Credit inquiries for all Business BOA cards for same-day applications will be combined
  • Check application status: You can check your application status  here
  • Reconsideration: The old reconsideration number stopped working. There is currently no  reconsideration phone line that I am aware of

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

86% Approved
757 Avg. Score of those approved
14% Denied
Approved 86%
Denied 14%

Credit limit range $1-$16,000

Avg. Credit limit$8,117

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Welcome Offer Eligibility
You are eligible to receive the Welcome Bonus even if you received the Welcome Bonus in the past
Card Details And Benefits
Foreign Transaction Fee

3%

Extra Redemption Value

Bonus rewards with Bank Of America Preferred Rewards. Platinum Honors members ($100,000 or more in your Bank of America accounts) earn 75% more rewards on all purchases, Platinum members ($50,000 or more in your Bank of America accounts) earn 50% more rewards on all purchases, Gold members ($20,000 or more in your Bank of America accounts) earn 25% more rewards on all purchases.

Extended Warranty Protection

Get your original manufacturer's warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per cardholder.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $500 per claim, $50,000 per year.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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