Bank of America Customized Cash Rewards Credit Card Review
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Bank of America Customized Cash Rewards Credit Review reddit : Are you looking for a credit card that offers flexible rewards and benefits tailored to your spending habits? Look no further than the Bank of America Customized Cash Rewards credit card. This card offers a unique rewards program that allows you to earn cash back in categories that matter most to you.
In this article, we’ll take a closer look at the features and benefits of the Bank of America Customized Cash Rewards credit card. We’ll also discuss the rewards program, fees, and eligibility requirements to help you decide if this card is right for you.
Key Features and Benefits
The Bank of America Customized Cash Rewards credit card offers a range of features and benefits that make it an attractive option for consumers. Here are some of the key benefits:
– Customizable Rewards Program: Earn 3% cash back in the category of your choice, such as gas, online shopping, or dining. You can also earn 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases.
– No Annual Fee: This card has no annual fee, making it a great option for consumers who don’t want to pay a fee for their credit card.
– Introductory APR: Enjoy a 0% introductory APR for 12 billing cycles on purchases, and for any balance transfers made within the first 60 days of opening your account.
– Cash Rewards: Earn cash rewards that can be redeemed for a statement credit, direct deposit, or check.
– Travel and Purchase Protections: Enjoy travel and purchase protections, including trip cancellation insurance, travel delay insurance, and purchase protection.
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Interest Rates & Fees Summary
Introductory APR |
Standard APR |
Annual Fee |
0% for 15 billing cycles |
18.24% – 28.24% |
$0 |
Rewards Program
The rewards program offered by the Bank of America Customized Cash Rewards credit card is one of its most attractive features. Here’s how it works:
– Choose Your Category: Choose the category in which you want to earn 3% cash back. You can choose from a range of categories, including gas, online shopping, dining, and more.
– Earn Cash Back: Earn 3% cash back in your chosen category, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases.
– Cash Back Limits: There are no limits on the amount of cash back you can earn, but you can only earn 3% cash back in your chosen category up to $2,500 in combined purchases per quarter.
– Redeem Your Rewards: Redeem your cash rewards for a statement credit, direct deposit, or check.
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Fees and Charges
While the Bank of America Customized Cash Rewards credit card has no annual fee, there are some other fees and charges you should be aware of:
– Introductory APR: 0% introductory APR for 12 billing cycles on purchases, and for any balance transfers made within the first 60 days of opening your account.
– Regular APR: 13.99% – 23.99% (Variable) APR after the introductory period ends.
– Balance Transfer Fee: 3% of the amount transferred, or $10, whichever is greater.
– Cash Advance Fee: 3% of the amount advanced, or $10, whichever is greater.
– Late Payment Fee: Up to $38.
– Returned Payment Fee: Up to $35.
Eligibility Requirements
To be eligible for the Bank of America Customized Cash Rewards credit card, you’ll need to meet the following requirements:
– Age: You must be at least 18 years old (21 in some states) to apply for this credit card.
– Income: You must have a steady income to qualify for this credit card.
– Credit Score: You’ll need to have a good credit score to qualify for this credit card. Bank of America typically requires a credit score of 660 or higher to approve applicants for this card.
– Residency: You must be a resident of the United States to apply for this credit card.
Bank of America Customized Cash Rewards Credit Card Review
How to Bank of America Customized Cash Rewards Credit Apply
If you’re interested in applying for the Bank of America Customized Cash Rewards credit card, here’s how you can do it:
– Online Application: You can apply for this credit card online through the Bank of America website.
– Phone Application: You can also apply for this credit card by phone by calling the Bank of America customer service number.
– In-Person Application: You can also apply for this credit card in person at a Bank of America branch location.
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Conclusion
The Bank of America Customized Cash Rewards credit card is a great option for consumers who want to earn cash back in categories that matter most to them. With its customizable rewards program, no annual fee, and introductory APR, this card is a great choice for anyone looking to earn rewards on their purchases.