Bank of America Customized Cash Rewards Credit Card
Issued by Bank of America (Bank of America Corporation) · Visa network · Unsecured consumer card
At a glance
The Bank of America Customized Cash Rewards Credit Card is a cash back consumer credit card issued by Bank of America on the Visa network. Its current annual fee is $0, with a 3% of each transaction foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-08-17.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Read from the issuer agreement dated 2026-06-30 (Prime + 9.74% to Prime + 21.74%). Many review sites still publish an outdated 17.49%–27.49% range; the agreement governs.
Bank of America — official credit card agreement (PDF)verified 2026-08-17
Bank of America — official credit card agreementverified 2026-08-17
Fees
Bank of America — official product pageverified 2026-08-17
Bank of America — official credit card agreementverified 2026-08-17
Rewards
Bank of America — official product pageverified 2026-08-17
The $2,500 combined quarterly cap is the key limit — it works out to roughly $833/month across both bonus tiers.
Bank of America — cash back category choices pageverified 2026-08-17
Benefits and protections
- Choose your own 3% category each month. source
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $18.74 | $224.9 |
| $3,000 | $56.22 | $674.7 |
| $5,000 | $93.71 | $1,124.5 |
Paying only the minimum on $3,000
845 months
About $28,538.6 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$170.26 total cost
$150 upfront fee, plus post-intro interest at 22.49%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
3.83.8 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Earning value (net of fees) | 35% | 3.5/5 |
| Fees (annual, FTF) | 20% | 4/5 |
| Redemption simplicity | 20% | 4/5 |
| Terms transparency | 15% | 4/5 |
| Protections | 10% | 3.5/5 |
Methodology 2026.07 · full methodology · Credit Defense Hub earns no commission or affiliate revenue from card issuers; editorial scores are independent of any advertising relationship.
Choose-your-own 3% category with no annual fee — genuinely useful if your spending is concentrated. The catch is the $2,500 combined quarterly cap on the 3% and 2% tiers, after which everything drops to 1%. Worth noting: Bank of America publishes a current agreement PDF whose APR range differs from what most review sites repeat; we use the agreement.
Advantages
- Pick the 3% category that matches your spending
- No annual fee
- Official agreement PDF is public and current
Watch for
- $2,500 combined quarterly cap on bonus earning
- 3% foreign-transaction fee
- Best rates require a Bank of America relationship tier
Best for: Existing Bank of America customers with concentrated spending in one category.
Credit Defense Hub Editorial Team · reviewed 2026-08-17 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Bank of America Customized Cash Rewards Credit Card?
- It is issued by Bank of America (legally, Bank of America, N.A.) on the Visa network.
- What does the Bank of America Customized Cash Rewards Credit Card cost?
- The annual fee is $0, and the foreign-transaction fee is 3% of each transaction. Verified 2026-08-17. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Bank of America Customized Cash Rewards Credit Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Bank of America Customized Cash Rewards Credit Card help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-17; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
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If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page →
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.