The Bank of America® Customized Cash Rewards Credit Card offers a range of benefits, including a $200 online cash rewards bonus, flexible 3% cash back in chosen categories, and a 0% introductory APR. This blog post explores the advantages, disadvantages, and extra features of this card, guiding you through the application process.

Advantages of the card Bank of America® Customized Cash Rewards Credit Card

The card stands out with its $200 online cash rewards bonus, available after making at least $1,000 in purchases within the first 90 days of account opening. Additionally, cardholders enjoy a 0% introductory APR for the first 15 billing cycles on purchases and balance transfers made within 60 days, providing a great opportunity for interest-free spending.

The 3% cash back in a chosen category, along with 2% at grocery stores and wholesale clubs, and 1% on all other purchases, allows for personalized rewards based on spending habits. Preferred Rewards members can earn even more cash back, enhancing the overall rewards potential.

The card’s security features, including fraud detection, $0 Liability Guarantee, and Contactless Chip Technology, contribute to a secure and convenient user experience.

Disadvantages of the card Bank of America® Customized Cash Rewards Credit Card

While the card offers attractive benefits, it’s essential to be aware of the 3% fee on balance transfers after the introductory period. Additionally, the variable APR ranging from 18.24% to 28.24% applies after the introductory period, so it’s crucial to manage the balance to avoid high-interest charges.

Extra features offered by Bank of America® Customized Cash Rewards Credit Card

The card provides additional features such as Balance Connect® for overdraft protection, paperless statement options, and Digital Wallet Technology for added convenience. Cardholders can also access their FICO® Score for free, keeping track of their credit health.

Learn how to apply for your credit card Bank of America® Customized Cash Rewards Credit Card

Applying for the Bank of America® Customized Cash Rewards Credit Card is a straightforward process. Potential applicants can apply online, ensuring a quick and efficient submission.

Discover the main ways to apply for the card Bank of America® Customized Cash Rewards Credit Card

There are several ways to apply for the card: through the official website, the mobile app, or by visiting a Bank of America financial center. Each method offers a user-friendly experience, allowing applicants to choose the most convenient option for them.

Prerequisites for request

To apply, individuals need to meet certain prerequisites, including a minimum credit score and income requirements. The application process may require personal and financial information for verification purposes.

From the site

To apply online, visit the Bank of America website and follow the step-by-step application process. Make sure to provide accurate and up-to-date information for a smooth application experience.

From the site App

Download the Bank of America Mobile Banking app, navigate to the credit card section, and follow the instructions to submit your application. The app offers a convenient way to manage your account and track your rewards.

By agency

For in-person assistance, visit a Bank of America financial center, where a representative can guide you through the application process and address any questions or concerns you may have.

The Bank of America® Customized Cash Rewards Credit Card presents a compelling option for individuals seeking a flexible and rewarding credit card experience. With its bonus offers, cash back options, and additional features, it caters to a variety of financial needs. However, potential applicants should carefully consider the fees and APR to make informed decisions based on their financial situation. Overall, this credit card provides a valuable combination of benefits for savvy consumers.