The Bank of America Customized Cash Rewards Credit Card is an excellent option for those seeking flexibility and personalized benefits. It has global acceptance and cutting-edge security to keep customers always at ease.
With customizable cashback categories, no annual fee, and a set of exclusive advantages, this card stands out for its versatility. It not only rewards your purchases but also offers various conveniences for your daily life.
If you’re looking for a card that fits your lifestyle and optimizes your finances, keep reading to discover how it can transform your shopping experience!
Meet the Issuer
Bank of America is one of the largest banks in the world, with over 200 years of experience in the financial market. Known for its solidity and reliability, it offers a wide range of financial services, including credit cards, checking accounts, and loans. Its long history makes it a safe choice for those seeking a trusted financial partner.
In addition, the bank has stood out for its innovation in the banking sector, offering digital solutions that make its customers’ daily lives easier. The Bank of America online platform allows you to manage your finances in a practical and efficient way, and it offers 24/7 support.
With the Bank of America Customized Cash Rewards Credit Card, you get the backing of a renowned institution, offering security, support, and an impeccable customer experience. The bank also provides dedicated support for its users, making the experience even smoother and more reliable.
Main Benefits of the Card
Customizable Cashback: The Bank of America Customized Cash Rewards Credit Card allows you to choose one category to earn 3% cashback, such as supermarkets, gas, or online shopping. You can change this category every month, maximizing your rewards based on your spending habits.
No Annual Fee: Unlike many credit cards that charge annual fees, the Bank of America Customized Cash Rewards Credit Card doesn’t have this fee. This means you can enjoy its benefits without extra costs, making it an even more attractive option for those looking to save money.
Cashback on All Purchases: In addition to the customizable category, you also earn 2% cashback at supermarkets and wholesale stores like Costco, up to a $2,500 limit per quarter. Other purchases earn 1% cashback, ensuring rewards even on more common purchases.
Bonus Offers: The card offers welcome bonuses for new customers. By spending a specific amount in the first 90 days, you can receive a significant cashback amount, making signing up even more worthwhile.
Access to Online Banking and App: With Bank of America, you have access to your card and account through an intuitive app, allowing you to manage your finances practically. Through the app, you can also monitor your rewards and manage bill payments.
Advanced Security: The card comes with EMV chip technology, providing an extra layer of security against fraud. Additionally, it offers transaction monitoring and real-time alerts to ensure all purchases are authorized by you.
Additional Benefits with Bank of America: If you’re already a Bank of America customer, you can enjoy extra perks such as discounts on products and services from partners. Additionally, with the Preferred Rewards program, you can earn extra cashback bonuses based on your bank account.
Purchase Protection: The card offers protection against damage or theft of items purchased with it, bringing greater security to your purchases. This benefit includes extended warranty, providing more confidence when making important purchases.
Bank of America Customized Cash Rewards Credit Card: Fees and Commissions
The Bank of America Customized Cash Rewards Credit Card is a card with no annual fee, making it an excellent option for those looking to minimize costs. However, there is a standard APR ranging from 18.24% to 28.24%.
It’s important to note that fees and charges can be changed by the bank at any time, so it’s essential to stay updated through the official Bank of America website.
Card limit
The credit limit for the Bank of America Customized Cash Rewards Credit Card can vary depending on your financial history and income. The bank evaluates your credit score when determining your initial limit, with the possibility of increasing it as you use the card responsibly.
It’s worth mentioning that you can request a credit limit increase after a certain period of use. To do this, the bank typically requests a review of your account and payment history.
Positive points
- Flexibility in Rewards:The card offers customizable categories, allowing you to earn more where you spend the most.
- Attractive Welcome Bonus:The $200 bonus is a great way to start using the card.
- No Annual Fee:Much more economical for all customers.
Negative points
- Variable Interest Rates:It has a variable interest rate, which can be high if payments are delayed.
- Balance Transfer Fee:4% after the initial balance transfer offer ends.
- Credit Requirements for Approval:A good credit history is required to be approved for the card.
How to Apply for Your Bank of America Customized Cash Rewards Credit Card
- Visit the Bank of America website.
- Select the Customized Cash Rewards Credit Card on the credit cards page.
- Click on the “Apply now” option.
- Fill out the application form with your personal information.
- Submit your application for credit review.
- Wait for approval, which may take a few days.
- Once approved, the card will be sent to your address.
How to Contact Bank of America
If you need help, Bank of America offers several contact options to assist its customers. Below are the contact options to resolve any doubts or issues:
- Phone: 800 932 2775
- Online Chat: Available on the bank’s website for live assistance
Ready to take advantage of all the benefits the Bank of America Customized Cash Rewards Credit Card offers? Apply for yours now and start earning rewards smartly!
