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The Bank of America Customized Cash Rewards credit card offers up to 3% cash back on purchases. You can customize your cash back categories to maximize rewards on your top expenses.
This card caters to frequent travelers, online shoppers, and those looking to save on daily costs. It provides a tailored solution to boost your spending power.
The Customized Cash Rewards card comes with a generous welcome bonus. It integrates smoothly with Bank of America’s online banking platform. This versatile card simplifies money management while rewarding your unique spending habits.
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Learn how this credit card can help you maximize cash back. Discover ways to improve your overall financial well-being with this flexible reward system.
Bank of America Customized Cash Rewards Credit Card
Click now to take the first step and find out how to request the card.
Bank of America Customized Cash Reward Overview
The Bank of America Customized Cash Rewards credit card offers a unique rewards program. Cardholders can choose their own cash back categories. This customization helps maximize earnings in your preferred spending areas.
The card stands out from other Bank of America credit cards. It gives you the power to tailor your rewards to your lifestyle.
Welcome Bonus Details
New cardholders have the opportunity to receive a $200 cash bonus. To qualify, spend $1,000 on purchases within 90 days of opening your account. This bonus gives your rewards a great start.
Basic Card Features
- 3% cash back in the personalized rewards program category you choose
- Earn 2% cash rewards on purchases at grocery stores and warehouse clubs.
- 1% cash back on all other purchases
Annual Fee Structure
The Bank of America Customized Cash Rewards card does not charge an annual fee. This makes it a smart choice for earning flexible cash back. You can enjoy rewards without extra costs.
| Card Feature | Details |
|---|---|
| Annual Fee | $0 |
| Welcome Bonus | $200 cash rewards bonus when you spend $1,000 on purchases in the first 90 days |
| Rewards Earning | 3% cash back in the personalized rewards program category you choose 2% 1% cash back on purchases made at grocery stores and wholesale clubs, and 1% cash back on all other transactions. |
This card adapts to your unique spending habits. It lets you earn maximum cash back in categories that matter most. The personalized program ensures your rewards align with your lifestyle.
Flexible Category Selection for Maximum Cash Back
The Bank of America Customized Cash Rewards Credit Card offers a unique 3% cash back category selection. This feature lets you tailor rewards to your spending habits. You can maximize your earn cash back potential with this customizable option.
Choose from various categories for your 3% cash back:
- Gas Stations
- Online Shopping
- Dining
- Groceries
- Travel
- Drug Stores
- Home Improvement & Furnishings
This tailored cashback offers feature helps you earn on purchases that matter most. You’ll get the most value from your credit card spending.
Change your 3% cash back category once per calendar month for greater flexibility. This allows you to adjust to shifting spending priorities. You can optimize your customizable cash rebates easily.
Use this unique feature to boost your earn cash back potential. Maximize the benefits of your Bank of America Customized Cash Rewards Credit Card.
How the Rewards Structure Works
The Bank of America Customized Cash Rewards credit card offers a flexible rewards program. Cardholders can maximize their cash back earnings with this personalized system. The program caters to individual spending habits.
Category Spending Limits
Cardholders can pick a 3% cash back category from various options. These include gas, online shopping, dining, grocery stores, or travel. This choice can change monthly to fit spending patterns.
There’s also a 2% cash back category for grocery stores and wholesale clubs. All other purchases earn 1% cash back.
Base Rate Earnings
The base rate for cash back is 1% on all purchases. This provides a solid foundation for earning rewards regardless of the category.
Preferred Rewards Benefits
- Bank of America Preferred Rewards members can earn up to 5.25% cash back on their preferred 3% category, along with 2.625% on the 2% category and 1.25% on all other purchases.
- These enhanced rewards rates are achieved through the Preferred Rewards program, which offers tiered benefits based on the customer’s combined balances across eligible Bank of America and Merrill accounts.
The flexible category selection lets cardholders tailor rewards to their needs. Base rate earnings ensure consistent rewards on all purchases. Preferred Rewards benefits boost earnings even further.
Online Banking Integration and Management
The Bank of America Customized Cash Rewards credit card integrates with the bank’s online platform. Cardholders can easily manage accounts and rewards. This digital integration offers many features to maximize bank of america credit cards benefits.
You can track spending and rewards in real-time. Monitor your category-specific cash back earnings with a few clicks. The dashboard provides a clear overview of your account activity.
The online platform allows easy redemption of accumulated cash back. Apply rewards to your credit card balance or transfer to a Bank of America account. You can also use them for gift cards or travel purchases.
Integrating your card with online banking unlocks more conveniences. Manage account settings and update preferred cash back categories. Set up automatic payments to avoid late fees.
The seamless digital experience empowers cardholders to maximize rewards effortlessly. Leverage the online banking integration to unlock this versatile card’s full potential.
Travel and Shopping Protection Benefits
The Bank of America Customized Cash Rewards credit card offers impressive protection benefits. These features provide peace of mind for your travels and everyday purchases. They go beyond standard cash rewards.
Purchase Security Features
The card’s purchase protection covers eligible items against damage or theft. This coverage lasts up to 90 days from purchase. You can be reimbursed up to $10,000 per claim and $50,000 per cardholder.
Travel Insurance Coverage
Using your card for travel expenses gives you valuable insurance benefits. These include trip cancellation and interruption coverage. It can reimburse non-refundable, prepaid travel expenses for covered reasons.
Extended Warranty Options
The extended warranty feature adds an extra year to the manufacturer’s warranty. This applies to eligible purchases. It’s especially useful for expensive items, protecting against unexpected repair costs.
These protection benefits make the card a well-rounded choice. Combined with flexible cash back, it offers both rewards and security.
Redemption Options and Flexibility
The Bank of America Customized Cash Rewards credit card offers many ways to use your cash back bonus. You can get statement credits, direct deposits, or spend rewards while shopping online. This card gives you flexible cash back categories to fit your needs.
You can use your cash back bonus to lower your monthly bill with statement credits. Or, you can get a direct deposit into your Bank of America account. This lets you use the money as you want.
The card also lets you use rewards through Bank of America’s online shopping portal. This makes it easy to maximize rewards while you shop. Your spending always works for you.
The Bank of America Customized Cash Rewards card gives you many options for your cash back bonus. You can cut expenses or treat yourself to something nice. This card is a great tool for your finances.
| Redemption Option | Benefit |
|---|---|
| Statement Credits | Reduce your monthly bill |
| Direct Deposit | Deposit rewards into your bank account |
| Online Shopping | Redeem rewards for online purchases |
Conclusion
The Bank of America Customized Cash Rewards credit card offers a versatile rewards program. It caters to various consumer spending habits. You can customize bonus categories to maximize cash back on important purchases.
The card’s welcome bonus and ongoing rewards structure are generous. It also provides travel and shopping protections. These features make it a compelling option for a tailored credit card experience.
This card suits frequent travelers, online shoppers, and those seeking more cash back. It allows you to align bonus categories with your spending patterns. This flexibility helps you optimize your rewards effortlessly.
The Customized Cash Rewards card stands out for its adaptability to unique preferences. It combines versatility, rewards, and additional features effectively. This card can enhance your financial management and maximize credit card rewards.
FAQ
What is the Bank of America Customized Cash Rewards credit card?
This card offers a flexible cash back program. Cardholders can choose their 3% cash back category from various options. These include gas, online shopping, dining, travel, and drug stores.
The customized rewards system enables users to optimize their cash back earnings. It’s based on their unique spending habits.
What are the key features of the Bank of America Customized Cash Rewards credit card?
The card offers a customizable 3% cash back category. It also provides 2% cash back at grocery stores and wholesale clubs. All other purchases earn 1% cash back.
Users can earn up to $2,500 in combined 3% and 2% cash back per quarter. The card comes with a welcome bonus and has no annual fee.
How do I select my 3% cash back category?
Cardholders can choose their 3% category each month. This can be done through Bank of America’s online banking portal or mobile app. Categories include gas, online shopping, dining, travel, and home improvement.
What are the rewards rates and spending limits for the Customized Cash Rewards card?
The card earns 3% cash back in the chosen category. Grocery stores and wholesale clubs earn 2%. All other purchases get 1% cash back.
The 3% and 2% cash back are capped at $2,500 in combined quarterly spending.
Does the Customized Cash Rewards card have an annual fee?
No, this card does not charge an annual fee.
What are the redemption options for the cash back earned with this card?
Cash back can be applied as a credit to your account statement. It can also be deposited into a Bank of America account. Alternatively, it can be used to make a payment on your card balance.
There is no minimum redemption amount.
Are there any additional benefits or protections that come with the Customized Cash Rewards card?
Yes, the card offers various purchase and travel protections. These include purchase security, extended warranty coverage, and secondary auto rental coverage.
Cardholders may also qualify for enhanced rewards through Bank of America’s Preferred Rewards program.
