Choose where you earn the most rewards and enjoy flexible cash back without paying an annual fee.
Whether you’re shopping online, buying groceries, or filling up your tank, this card lets you earn rewards on everyday purchases.
Choose an Option:
Why Consider This Card?
- Choose your preferred cash back category
- No annual fee
- Earn rewards on everyday spending
- Manage your account online or through the mobile app
What to Know Before Applying
Explore the Main Benefits
The card allows you to earn 3% cash back in your selected category, 2% at eligible grocery stores and wholesale clubs (up to quarterly limits), and 1% on other eligible purchases.
Eligible Bank of America Preferred Rewards members may qualify for additional cash back based on their relationship with the bank. Reward categories and limits are subject to the program terms.
Check the Requirements
Applicants generally must be at least 18 years old and meet the issuer's credit, income, and identity verification requirements. A stronger credit profile may improve your approval chances.
Before applying, prepare your personal information, employment details, income information, and government-issued identification.
Complete Your Application
Applications can be completed online through Bank of America's official website or by contacting customer service. Fill in your information carefully and review all terms before submitting.
After your application is received, the bank reviews your financial profile and determines eligibility based on its lending criteria.
Get Started in 3 Steps
- Choose the card that fits your spending habits.
- Prepare your personal and financial information.
- Submit your application through an official Bank of America channel.
Apply with Confidence
Before accepting any credit card, review the APR, introductory offers, balance transfer fees, foreign transaction fees, and late payment charges. Understanding these costs helps you make an informed financial decision.
Apply for the Card Now
View Current Cash Back Categories
How Does the Approval Process Work?
Application Review
Bank of America reviews your personal information, income, employment details, and supporting documentation. Accurate information can help avoid processing delays.
Credit Evaluation
The bank evaluates your credit profile and overall financial situation before making a decision. Meeting the minimum requirements does not guarantee approval.
Card Activation
If approved, you'll receive your card with activation instructions. Once activated, you can begin earning eligible cash back and manage your account through online or mobile banking.
Make Everyday Spending More Rewarding
The Bank of America Customized Cash Rewards Credit Card can be a practical option for people looking for flexible cash back without an annual fee.
Compare the available features, review the official terms carefully, and use your credit responsibly to maximize rewards while maintaining healthy financial habits.
