Bank of America Customized

By Raquel Oliveira • 04/08/2025

This credit card is perfect for those who want many benefits and enjoy all related advantages.

The Bank of America Customized gives you the flexibility to earn rewards your way. Get 3% cash back in a category you choose, plus extra rewards on groceries and other everyday purchases. 

A major advantage of this card is the $200 welcome bonus, available after spending $1,000 in the first 90 days. This incentive makes it especially appealing for those looking to get immediate value from their credit card.

For those seeking a customized rewards program with no annual fee, this credit card provides a strong combination of flexibility, savings, and financial benefits.

Earn Cash Back Your Way

One of the standout features of the Bank of America Customized credit card is its adaptable rewards program. This flexibility is valuable for individuals with varying spending patterns.

• The card offers 3% cash back in a category of your choice, including gas, dining, travel, or online shopping, which can be changed monthly.
• Automatically earn 2% cash back at grocery stores and wholesale clubs, making everyday shopping more rewarding.
• All other purchases earn 1% cash back, ensuring consistent rewards regardless of where you spend.
• The ability to switch the 3% category each month allows users to adjust their benefits based on changing spending needs.

With this level of customization, the rewards structure makes it easy to maximize cash back in the areas that matter most to each cardholder.

Pros and Cons

Before applying for the Bank of America Customized credit card, it is important to consider both the advantages and potential limitations to ensure it fits your financial goals.

Pros:

• – Offers 3% cash back in a category of your choice, making it flexible for different spending habits.
• No annual fee, allowing cardholders to maximize rewards without additional costs.
• 0% APR for the first 15 billing cycles, which is helpful for managing large purchases or balance transfers.

Cons:

• Cash back rewards for the 3% and 2% categories are capped at $2,500 in combined purchases per quarter.
• A higher APR applies after the introductory period, which could be costly for those who carry a balance.
• The limited number of categories may not match the spending habits of all users.

Understanding these factors can help you determine if this card aligns with your financial needs and expectations.

How Do I Know If the Bank of America Customized Card Is Right for Me?

The Bank of America Customized is a great choice if you want control over your rewards and spend regularly in the 3% categories. It’s perfect for people who shop online, drive a lot, or enjoy dining out. 

If you spend enough to take advantage of the $200 cash rewards bonus after spending $1,000 in the first 90 days, the value adds up quickly.

That said, it’s important to think about how you spend. If you don’t use the categories or often exceed the $2,500 limit on combined 3% and 2% purchases per quarter, the benefits may be less appealing. 

Why Do We Like This Card?

The Bank of America Customized is simple, flexible, and rewarding. The ability to choose a 3% category makes it easy to maximize cash back in areas you care about most, like gas, groceries, or travel.

The $0 annual fee means you can earn cash back without worrying about extra costs. The 0% APR for 15 billing cycles is also a big plus, giving you time to pay off large purchases or balance transfers without added interest.

If you’re part of Bank of America’s Preferred Rewards program, you can earn even more cash back—up to 5.25% in your chosen category. It’s a great option for everyday spending and bigger plans, making it one of the most versatile cards available.