Bank of America® Customized Cash Rewards
Issuer
Bank of America
Network
Visa
Regular APR
18.24% - 28.24%
Annual Fee
$0.00
Intro Offer
$200
Rewards Rate
1% - 3% Cashback
Recommended Credit Score
690 - 850 (Good - Excellent)
Pros
✅ No annual fee
✅ Generous intro APR period for purchases and balance transfers
✅ Flexible cash back with the option to update your 3% category each month
✅ Sign-up bonus offer
✅ Rewards don’t expire
✅ Preferred Rewards® members can earn up to 75% more cash back on all purchases
Cons
❌ 2% and 3% cash back categories have a $2,500 combined spending cap each quarter
❌ Foreign transaction fee of 3%
❌ Best rewards are limited to certain customers with Bank of America Preferred Rewards status
❌ Complex rewards structure may confuse some users
❌ Rival cards offer higher welcome bonuses
Combinations
Essential Family Savers
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