Bank of America Customized Cash Rewards

Bank of America Customized Cash Rewards

ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates

$200 Cash Back + 6% back in category of your choice Non-AffiliateThis is NOT an affiliate offer.

$200 after $1000 spend in 90 days + 6% back in quarterly category of your choice (up tp $2500 spend/qtr)
No Annual Fee

Click here to learn how to apply

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Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter

Base: 1%

Travel: 3%

Dine: 3%

Gas: 3%

Grocery: 2%

Shop: 3%

Phone: 3%

Other: 3%

Card Info: Visa Signature issued by BOA. This card imposes foreign transaction fees.

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

Application Tips

Bank of America Application Tips 3/12 or 7/12 Rule: You won't be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts. 2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months. 5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open Get Same Card Again: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card. Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining. Click here to check your application status If denied, call reconsideration here: (800) 732-9194 (8am-7pm ET Mon-Fri); 888-782-7717 (business cards);

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