Credit card review
Bank of America Customized Cash Rewards Credit Card Review
Bank of AmericaVisaCash backNo annual fee0% intro APR
Bank of America Customized Cash Rewards Credit Card earned 4.4 / 5 in our 2026 review. The Bank of America Customized Cash Rewards Credit Card earns 3% on choice category with no annual fee, a $200 online cash rewards bonus welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
TL;DR
Annual fee
$0
Signup bonus
$200
Top reward rate
3% on choice category
Intro APR
0% for 15 mo
Issuer
Bank of America
Network
Visa
Min credit score
670
Fintiex rating
4.4 / 5
Pros
- +3% cash back in your choice category: gas, online shopping, dining, travel, drug stores, or home improvement
- +2% cash back at grocery stores and wholesale clubs
- +No annual fee
- +$200 bonus after spending $1,000 in first 90 days
- +0% intro APR on purchases and balance transfers for 15 months
- +Preferred Rewards members can earn up to 5.25% in choice category
- +Contactless chip technology
Cons
- -3% category capped at $2,500 per quarter combined with 2% category
- -3% foreign transaction fee
- -Must manually select your 3% category each month or it defaults to gas
- -Preferred Rewards bonus requires substantial Bank of America banking relationship
Rewards detail
choice category
3%
grocery wholesale
2%
everything else
1%
Rates and fees
Annual fee
$0
Purchase APR
19.24% to 29.24%
Variable, based on prime rate and creditworthiness
Intro APR
0% for 15 months
Balance transfer APR
19.24% to 29.24%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
3%
Who it's for
The Customized Cash Rewards Credit Card is built for people who want a cash back, no annual fee or 0% intro apr card. Most approvals land at FICO 670 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best cash back cards roundup.
Compare with similar cards
Frequently asked questions
Does the Customized Cash Rewards Credit Card have a foreign transaction fee?
Yes. The Bank of America Customized Cash Rewards Credit Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Customized Cash Rewards Credit Card?
Approvals typically start around a FICO score of 670, but Bank of America prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Customized Cash Rewards Credit Card signup bonus?
New cardholders earn $200 online cash rewards bonus after spending $1,000 in the first few months. Fintiex values that at about $200 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Customized Cash Rewards Credit Card have an intro APR?
Yes. The Bank of America Customized Cash Rewards Credit Card offers a 15-month 0% intro APR. After the promo period ends, the standard variable APR of 19.24% to 29.24% applies. Pay off the balance before the intro window closes to avoid back interest.
How much is the annual fee on the Customized Cash Rewards Credit Card?
$0. The Bank of America Customized Cash Rewards Credit Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Customized Cash Rewards Credit Card worth it?
Fintiex rates the Bank of America Customized Cash Rewards Credit Card 4.4 out of 5 for 2026. It is best for cash back and no annual fee and 0% intro apr. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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