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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Bank of America Customized Cash Rewards Card card art
BofA Customized Cash Rewards 1 of 1
Comparing 1 card
Bank of America Customized Cash Rewards Card card art
Bank of America
BofA Customized Cash Rewards
Apply Details
Cost and value $0 fee
Annual fee
$0
Credits you can use a year, if you use every one
None
Fee after credits
$0
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
Not confirmed
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $200 statement credit, about $200
Bonus
$200 statement credit
Estimated value
$200
Spend to earn it less a month is easier
$1,000 in 90 days about $333 a month
Earning rates Top rate 3% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Groceries
2% back on up to $2,500/qtr
Everything else
1% back
Only on this card
  • 3% back Rotating category
Statement credits No credits
Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Protection and insurance None listed
Lifestyle and other perks None listed
Authorized users Free
Cost
Authorized users are free.
Each one gets
Not listed
Application rules 7/12
Issuer approval rules
  • 7/12 Community-reported
    What counts

    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.

  • 2/3/4 rule (2 in 2 months) Community-reported
    What counts

    Bank of America generally approves at most 2 of its cards per rolling 2 months.

  • 2/3/4 rule (3 in 12 months) Community-reported
    What counts

    Bank of America generally approves at most 3 of its cards per rolling 12 months.

  • 2/3/4 rule (4 in 24 months) Community-reported
    What counts

    Bank of America generally approves at most 4 of its cards per rolling 24 months.

Bonus eligibility
Not listed
Card type
Personal