Bank of America Customized
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This credit card is perfect for those who want many benefits and enjoy all related advantages.
Bank of America Customized
Flexible cash back Easy applicationThe 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.
There’s no annual fee, and you can even get a $200 bonus for signing up. Want to know more about how this card can help you save? Keep reading to see all the details!
3% Cash Back in Your Favorite Category
The Bank of America Customized makes it easy to earn more on what you spend most. With 3% cash back in a category of your choice—like gas, online shopping, dining, travel, drug stores, or home improvement—you can customize your rewards to fit your lifestyle.
You can even change your category monthly, so your card works for you as your needs change. Plus, rewards are easy to earn and never expire as long as your account is open.
Pros and Cons
This card has a lot to offer, but it may not work for everyone. Here’s a quick look at the good and the not-so-good:
Pros
- Flexible 3% cash back categories.
- No annual fee.
- 0% APR for the first 15 billing cycles.
Cons
- Quarterly limit on 3% and 2% rewards.
- Higher APR after the intro period ends.
- Limited categories may not match all spending habits.
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. Even better, the rewards are straightforward—no complicated points systems or hidden fees to worry about.
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.
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