Ranked as the top bank in customer satisfaction with over 68 million clients worldwide.
What you need to know about this credit card:
- Annual Fee: No annual fee to worry about
- Introductory APR: 0% intro APR for the first 18 months
- Cash Back: Up to 3% cash back in selected categories
- Fraud Protection: Advanced security measures against potential fraud
Pros:
- No Annual Fee: Enjoy all benefits without worrying about yearly fees.
- Low Introductory APR: Benefit from a 0% intro APR for the first 18 months.
- Contactless Payments: Tap to Pay technology for quick and secure transactions.
- Digital Wallet Compatibility: Seamlessly add your card to Apple Pay®, Google Pay™, or Samsung Pay.
- Cash Back Rewards: Earn 3% in selected categories, 2% at grocery stores, and 1% on other purchases.
Cons:
- Limited-Time Intro APR: After 18 months, you will incur a variable APR from 16.99% to 26.99%.
- Balance Transfer Fees: Charges apply, from $10 or 3% per transaction.
Why Choose Bank of America for Your Credit Card?
When compared to Chase Freedom Unlimited, the Bank of America Customized Cash Rewards offers more specific category perks, perfect for those who spend consistently in the same areas.
Unlike the Citi Double Cash Card, which offers a flat rate, this card provides the advantage of customized rewards, allowing you to maximize your earning potential in categories of your choice.
While the Discover it Cash Back guarantees 5% on rotating categories, the necessity to track and activate categories monthly isn’t as convenient as a set percentage.
TD Cash Credit Card gives 3% on dining, but if you want flexibility to choose categories beyond dining, the Bank of America Customized Cash Rewards Card is the better option.
Finally, Wells Fargo Propel AMEX offers competitive rewards but doesn’t match the introductory APR offer of 0% for 18 months found here, making it ideal for those needing to manage larger balances.
Bank of America Customized Cash Rewards Card: Let’s Get to Know it a Little Better
How to Apply for Your Bank of America Customized Cash Rewards Card
Ready to benefit from cash back without yearly fees?
Click here to be redirected to Bank of America’s application page, fill in your details, and await approval.