Card details · Bank of America
Bank of America Customized Cash Rewards Credit Card review: fees, rewards and APR
The Bank of America® Customized Cash Rewards Credit Card is a credit card from Bank of America with a $0 annual fee. By our overall score it ranks #75 of the 242 credit cards we rank (store-only cards excluded), and #6 of 24 Bank of America cards. It is listed in our cash back and 0% intro APR rankings.
Key facts
- Issuer
- Bank of America
- Network
- Visa
- Annual fee
- $0
- Welcome offer
- Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening and 6% cash back in the category of your choice – for the first year.
- Intro APR
- purchases 15 months · balance transfers 15 months
- Ongoing APR
- 17.49%–27.49%
- Balance transfer fee
- 3% 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 4%.
- Our overall score
- 60 (#75 of 242 cards)
Sign-up bonus history
We have tracked this card’s welcome offer since April 2026 and have not recorded a change in its headline amount ($200). How we track offer history.
Rewards
- 3% cash back + 3% first-year cash back bonus in the category of your choice including gas and EV charging station, online shopping/cable/streaming/internet/phone plans, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
Intro APR and balance transfers
0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: 3% 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 4%.
Balance transfer fee: 3% 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 4%.
Ongoing APR: 17.49%–27.49%
Where it ranks
- Overall: #75 of 242 cards (score 60)
- Bank of America credit cards: #6 of 24
- Cash back cards: #9 of 69 by our cash back score
- 0% intro APR cards: #16 of 46 by our 0% intro APR score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Bank of America’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Bank of America Customized Cash Rewards Credit Card?
$0, as stored in our database. Confirm the current fee on Bank of America’s site.
Does the Bank of America Customized Cash Rewards Credit Card have a welcome bonus?
Our database lists this offer: Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening and 6% cash back in the category of your choice – for the first year. Offers change often and terms apply.
Does the Bank of America Customized Cash Rewards Credit Card have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: 3% 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 4%. Terms apply.
How does the Bank of America Customized Cash Rewards Credit Card rank on YourBestCards?
#75 of 242 cards by our overall score (60). In our category lists: #9 of 69 cash back cards; #16 of 46 0% intro APR cards.
Has the Bank of America Customized Cash Rewards Credit Card sign-up bonus changed?
Not in its headline amount, as far as we have tracked since April 2026: it has stayed at $200 in our records. Offers can change at any time; terms apply.
Other top Bank of America cards
- #1
Atmos™ Rewards Ascent Visa Signature®
Score 65- Unlimited 3 points for every $1 spend on eligible Alaska Airlines and Hawaiian Airlines purchases
- Unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
- Unlimited 1 point for every $1 spent on all other purchases
- Annual fee
- $95
- Welcome offer
- Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2,500 or more on purchases within the first 90 days of opening your account.
- #2
Bank of America® Customized Cash Rewards for Students
Score 63- 6% cash back first year in choice category (then 3%)
- 2% at grocery stores and wholesale clubs
- 1% on all other purchases
- Annual fee
- $0
- Welcome offer
- $200 cash rewards bonus after $1,000 spend in 90 days
- Intro APR
- purchases 15 months · balance transfers 15 months
- Unlimited 1.5% cash back on all purchases.
- Annual fee
- $0
- Welcome offer
- $250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening
- Intro APR
- purchases 15 months · balance transfers 15 months
- #4
Air France KLM World Elite Mastercard®
Score 62- 3 Miles per $1 spent directly on Air France, KLM, and other SkyTeam member airlines
- 1.5 Miles per $1 spent on all other purchases
- Annual fee
- $89
- Welcome offer
- Online offer: 50,000 Bonus Miles + 100 Experience Points (XP) after you make $2,000 or more in purchases within the first 90 days of your account opening
- #5
Atmos™ Rewards Summit Visa Infinite® Credit Card
Score 62- 3 points per $1 on Alaska Airlines, Hawaiian Airlines, foreign transactions and dining
- 1 point on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
- Annual fee
- $395
- Welcome offer
- Limited time online offer: Earn 80,000 bonus points and a 25,000 point Global Companion Award. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.