Bank of America
Bank of America Customized Cash Rewards Card
Consumer
| Annual fee | $0 Fact |
| Foreign transaction fee | Not confirmed |
| Rewards currency | cash back |
| Cash back value | 1.00¢ Fact |
Last updated Nov 2, 2026
Checked Nov 2, 2026
Before you apply
7/12. Bank of America generally declines applicants who have opened 7 or more cards from any issuer in the past 12 months. Without a Bank of America deposit relationship the commonly reported bar is 3 cards in 12 months.
Community-reported.
2/3/4 rule (2 in 2 months). Bank of America generally approves at most 2 of its cards per rolling 2 months.
Community-reported.
2/3/4 rule (3 in 12 months). Bank of America generally approves at most 3 of its cards per rolling 12 months.
Community-reported.
2/3/4 rule (4 in 24 months). Bank of America generally approves at most 4 of its cards per rolling 24 months.
Community-reported.
General Bank of America policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
Unchanged since Nov 2021
$1k spend
View as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Nov 2021 to now · 5 yr | $200 credit | $1,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Rotating category | 3% | cash back | $2,500/qtr |
| Groceries | 2% | cash back | $2,500/qtr |
| Everything else | 1% | cash back | No cap |
Conditional earning rates
| Rate | When it applies |
|---|---|
| 6% | For the first 365 days from account opening, earn an additional 3% cash back bonus (for 6% total cash back) on purchases in your selected choice category, subject to the $2,500 combined quarterly purchase cap. |
Authorized users on the BofA Customized Cash Rewards
Card factsAuthorized users are free.