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Bank of America · credit
Last updated
Welcome offer — Offer varies — typically $200 after $1,000 spend in 90 days Estimated by source
Apply on Bank of America's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | Your choice of 3% category (gas, online shopping, dining, travel, drugstores or home improvement) — Combined with grocery/wholesale up to $2,500/quarter, then 1% Inferred by source |
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| 2× | Grocery stores & wholesale clubs — Combined with the 3% category up to $2,500/quarter, then 1% Inferred by source |
| 1× | Everything else Inferred by source |
No lounge access.
| Preferred Rewards boost | Up to 25–75% more cash back with Bank of America Preferred Rewards tiers Inferred by source |
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Using BofA Customized Cash at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Around 29.99% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Bank of America® Customized Cash Rewards Credit Card has no annual fee.
The Bank of America® Customized Cash Rewards Credit Card earns Redeem for statement credit, deposit to a BofA/Merrill account, or gift cards.
No — the Bank of America® Customized Cash Rewards Credit Card does not include airport lounge access.
Yes — the Bank of America® Customized Cash Rewards Credit Card charges a 3% foreign transaction fee.
Offer varies — typically $200 after $1,000 spend in 90 days. Welcome offers change frequently — confirm the current one on the issuer's page before applying.