Customized Cash Rewards Card Bank of America: Great Choice
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When it comes to managing your finances, having the right credit card can make all the difference. The Bank of America Customized Cash Rewards Credit Card offers an attractive blend of cash back, flexibility, and valuable perks. Whether you’re looking to maximize your spending on dining, grocery shopping, or even your online shopping habits, this card offers personalized rewards that make it an excellent choice for those seeking to earn more while spending smarter. In this guide, we’ll walk you through the card’s key benefits, its rewards program, and how to apply for it.
What makes the Bank of America Customized Cash Rewards Card a great choice?
If you’re looking for a credit card that offers customizable rewards with no annual fee, the Bank of America Customized Cash Rewards Credit Card is an excellent choice. This card allows you to earn up to 6% cash back on the category of your choice for the first year, followed by 3% cash back on your chosen category after the first-year bonus. Plus, it offers 2% cash back on grocery store and wholesale club purchases and 1% on all other purchases. It’s ideal for someone who wants a flexible and customizable rewards program that doesn’t come with complicated structures or hidden fees.
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Additionally, this card comes with great bonuses like a $200 online cash rewards bonus after you make $1,000 in purchases in the first 90 days of account opening, making it even more rewarding to get started.
Top Features and Benefits of the Bank of America Customized Cash Rewards Card
Here’s what makes the Bank of America Customized Cash Rewards Credit Card stand out:
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1. Earn 6% Cash Back on the Category of Your Choice
The card’s standout feature is the ability to earn 6% cash back on your chosen category for the first year. This allows you to pick a category that aligns with your spending habits, whether it’s dining, online shopping, travel, or groceries. After the first year, you’ll continue to earn 3% cash back on this category, making it ideal for those who spend heavily in one area.
2. 2% Cash Back at Grocery Stores and Wholesale Clubs
The Bank of America Customized Cash Rewards Credit Card offers 2% cash back at grocery stores and wholesale clubs, making it the perfect card for anyone who does a lot of shopping for household essentials. This means you earn rewards on the things you buy every day, helping you save money while shopping for your groceries and more.
3. 1% Cash Back on All Other Purchases
Even when you’re not spending on bonus categories, the Bank of America Customized Cash Rewards Credit Card still offers 1% cash back on all other purchases. This ensures that every dollar you spend counts towards earning rewards, whether you’re buying clothing, electronics, or other necessities.
4. $200 Online Cash Rewards Bonus
To kick-start your rewards journey, you can earn a $200 online cash rewards bonus after spending $1,000 within the first 90 days of opening your account. This is a fantastic opportunity to quickly accumulate cash rewards, which can be redeemed for travel, shopping, or even reducing your outstanding balance.
5. No Annual Fee
One of the key benefits of this card is that there’s no annual fee. Many credit cards charge high fees just for the privilege of using the card, but not this one. You can earn cash rewards with no upfront cost, making it a budget-friendly option for anyone looking to maximize their rewards without paying extra fees.
6. 0% Intro APR on Purchases and Balance Transfers
For the first 15 billing cycles, the Bank of America Customized Cash Rewards Credit Card provides a 0% introductory APR for purchases and balance transfers for the first 15 billing cycles. After this period, a variable APR ranging from 18.24% to 28.24% will apply. This is a great benefit for anyone looking to make large purchases or consolidate high-interest debt without the burden of interest during the introductory period.
7. Flexible Redemption Options
You can redeem your cash back in a variety of ways, including:
- Statement credits
- Deposits made directly into a Bank of America checking or savings account
- Gift cards
- Travel through the Bank of America Travel Center
You can even donate your rewards to charity, with the added bonus of a 100% match. This flexibility allows you to choose how you want to spend or save your cash rewards.
8. Automatic Cash Back Redemption
You also have the option to set up automatic redemption of your cash rewards starting at $25. This feature makes it easy to redeem your rewards without having to manually request a redemption each time, ensuring that you can access your cash rewards effortlessly.
9. Fraud Protection and Security with the Customized Cash Rewards Card
With the Bank of America Customized Cash Rewards Credit Card, you get access to a range of security features. This includes the Zero Liability Guarantee, which protects you from fraudulent charges on your account. Additionally, the card has contactless chip technology, offering fast, easy, and secure payments at millions of locations worldwide.
