How to Apply for Bank of America Customized Cash Rewards Credit Card

The Bank of America Customized Cash Rewards Credit Card offers versatile perks with 3% cash back on a category of your choice, plus 2% at grocery stores and wholesale clubs. Enjoy a 0% intro APR for 15 months, robust online banking tools, and no annual fee, enhancing your financial flexibility.

Por: Linda Carter em February 26, 2026

The convenience of having a personalized rewards system at your fingertips makes the Bank of America Customized Cash Rewards Credit Card a standout choice for many Americans. Imagine earning cash back tailored to your spending habits, be it on groceries, gas, or online shopping. With this card, you can enjoy 3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs, up to a combined $2,500 each quarter.

What makes it even more appealing is the absence of an annual fee, ensuring that your rewards genuinely benefit your wallet. Additionally, new cardholders have the opportunity to snag a generous online cash rewards bonus after making a certain amount of purchases in the first 90 days. Applying for this card can bring these benefits and more right to your pocket. Ready to find out how? Let’s dive into the details.

Benefits of the Bank of America Customized Cash Rewards Credit Card

1. Flexible Cash Back Earnings

The Bank of America Customized Cash Rewards Credit Card offers you the flexibility to earn cash back in categories that suit your spending habits. You can earn 3% cash back in the category of your choice, such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Additionally, you receive 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. To maximize your rewards, plan your spending by activating the category where you expect to spend the most each quarter.

2. Competitive Introductory APR Offer

Take advantage of a 0% introductory APR for the first 15 billing cycles on purchases and any balance transfers made within 60 days of opening your account. This feature can be particularly useful if you’re planning a large purchase or consolidating debt from higher-interest credit cards. Be sure to pay off your balance before the introductory period ends to avoid paying interest.

3. Online and Mobile Banking

Bank of America provides robust online and mobile banking services, allowing you to track your cash rewards, monitor transactions, and manage your account anytime from anywhere. You can also set up alerts to stay informed about your account activity, and set automatic payments to never miss a due date. Take full advantage of these digital tools to stay organized and financially savvy.

4. No Annual Fee

Unlike some premium credit cards, the Bank of America Customized Cash Rewards Credit Card comes with no annual fee. This means you can enjoy the card’s benefits and rewards without worrying about an additional yearly cost, making it an economical choice for those who want to earn perks without added expenses.

LEARN MORE DETAILS ABOUT BANK OF AMERICA CUSTOMIZED CASH REWARDS CREDIT CARD

Category	Details
Cash Back Rates	Earn 3% cash back on online shopping and 2% at grocery stores.
Flexible Rewards	Customize your 3% category monthly to suit your spending habits.

The Bank of America Customized Cash Rewards Credit Card is designed to help you maximize your savings on everyday purchases. With the attractive cash back rates, you can enjoy 3% cash back on your top category of online shopping, which is perfect for frequent shoppers. Additionally, you earn 2% cash back at grocery stores, allowing you to save more on essential purchases. What sets this card apart is its flexible rewards structure. Each month, you have the opportunity to choose your top spending category, enabling you to tailor the rewards to your personal needs. This means that if you find yourself dining out more often one month or shopping for home essentials, you can easily switch to capitalize on those expenses. In summary, the customizable rewards and high cash back percentages make this card an attractive option for those looking to manage their finances effectively while earning rewards that suit their lifestyle.

Requirements for the Bank of America Customized Cash Rewards Credit Card

Minimum Age: You must be at least 18 years old to apply for a credit card in the United States. If you are under 21, you may need to show proof of independent income or have a cosigner.
Credit Score: A good to excellent credit score is typically required. This usually means a score of at least 670 or higher. Bank of America tends to favor applicants with a solid credit history.
Proof of Income: You may need to provide documentation such as recent pay stubs or tax returns to demonstrate your ability to repay any credit extended to you.
Social Security Number: A social security number is necessary to process your application and access your credit history.
Residential Address: A valid U.S. residential address is required. This helps verify your identity and establish where the card will be sent if approved.

How to Apply for the Bank of America Customized Cash Rewards Credit Card

Step 1: Visit the Bank of America Website

To begin your application process for the Bank of America Customized Cash Rewards Credit Card, open your web browser and navigate to the official Bank of America website. You can do this by entering the URL directly or searching for “Bank of America Customized Cash Rewards Credit Card” in your preferred search engine. Once on the website, locate the credit card section to find more details about this particular card.

Step 2: Review Card Details and Prepare Necessary Information

Before applying, it’s crucial to review all the features and terms of the Customized Cash Rewards Credit Card. Look for information such as interest rates, reward structures, and any fees associated with the card. Make sure you have personal information ready, such as your Social Security Number, employment details, and income information, as these will be necessary for the application.

Step 3: Begin the Application Process

Once you have reviewed the card details and gathered the required information, you can start your application. On the credit card product page, you’ll find an option to “Apply Now.” Click this button to proceed to the online application form. The form will guide you through a series of questions related to your personal, financial, and employment information.

Step 4: Submit and Wait for Approval

After you’ve completed the application form, review all the details to ensure accuracy. Once satisfied, submit your application. You will typically get an immediate response regarding your approval status. If not, Bank of America will contact you with further information or any additional steps you might need to take.

Step 5: Receive and Activate Your Card

If your application is approved, you’ll receive your Bank of America Customized Cash Rewards Credit Card in the mail within a few business days. Upon receiving it, follow the instructions provided to activate your card. Activation may typically be done online or over the phone.

Frequently Asked Questions About the Bank of America Customized Cash Rewards Credit Card

What is the Bank of America Customized Cash Rewards Credit Card?

The Bank of America Customized Cash Rewards Credit Card is a flexible rewards credit card designed for everyday spending. It offers cash back on various categories such as gas, online shopping, dining, and more. The unique feature of this card is its customizable cashback options, allowing you to select a category each month to maximize your rewards.

How does the cash back customization work?

You can earn 3% cash back in one category of your choice, such as gas, online shopping, or dining. Additionally, you earn 2% cash back at grocery stores and wholesale clubs, and 1% on all other purchases. The 3% and 2% cash back is capped at the first $2,500 in combined purchases each quarter, after which those purchases earn 1% cash back.

Is there an annual fee for this credit card?

No, the Bank of America Customized Cash Rewards Credit Card does not have an annual fee. This means you can enjoy the benefits of cash back rewards without worrying about an extra cost impacting your annual budget.

What is the introductory APR offer for new cardholders?

New cardholders can benefit from a 0% introductory APR for the first 15 billing cycles on purchases and any balance transfers made within 60 days of account opening. After the introductory period, the standard APR will apply, which varies based on your creditworthiness.

Are there additional benefits if I am a Bank of America Preferred Rewards client?

Yes, if you are a Bank of America Preferred Rewards member, you can receive an additional cash back bonus of 25% to 75% on every purchase. This enhancement makes the Bank of America Customized Cash Rewards Credit Card especially valuable for Preferred Rewards clients who want to further boost their earnings.