Review
Bank of America® Customized Cash Rewards Credit Card Review: Maximize Cash Back on Your Chosen Spending
Discover how the Bank of America® Customized Cash Rewards card lets you choose your top 3% cash back category, maximizing rewards on your biggest expenses without an annual fee. Our review dives into its flexible earning potential and valuable bonuses for smart spenders.
| Annual Fee | $0.00 |
| Sign-up Bonus | $200 cash rewards bonus |
| Rewards Rate | 1-6% Cash Back |
| Intro APR | 0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. |
| Regular APR | Standard APR 17.49% - 27.49% variable |
| Other Fees | 3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 5%. |
Overview
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High cashback rates
- Customizable bonus categories
- Rewards do not expire
Things to consider
- High regular APR
- High balance transfer fee
Benefits
Drawbacks
Decision Guidance
Summary
The Bank of America® Customized Cash Rewards Credit Card earns an 'Excellent' overall rating of 4.1 out of 5.0. This card stands out as a highly versatile and rewarding option, particularly for consumers seeking flexibility in their cash back earning...