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Bank of America® Customized Cash Rewards Credit Card Expired

$200 Bonus Offer
w/ $1K in eligible purchases
+128 Deal Score
440,207 Views
Update: This popular deal is still available

Bank of America is offering a $200 cash rewards bonus offer after you make at least $1000 in purchases within the first 90 days of account opening with their Bank of America Customized Cash Rewards credit card. There is no annual fee.

Thanks to community member ToMaToSauces for finding this deal.



Slickdeals may be compensated by Bank of America.

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Edited September 28, 2021 at 08:36 AM by
Bank of America is offering a $200 cash rewards bonus offer after you make at least $1000 in purchases within the first 90 days of account opening with their Bank of America® Customized Cash Rewards credit card. There is no annual fee.



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+128
440,207 Views
$200 Bonus Offer
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Got rejected, have a 780ish credit score. Maybe too many credit card sign ups recently
From what I could find online regarding BofA these are their restrictions for credit cards:

- You can only get approved for 2 new cards in a 30-day period
- You can only get approved for 3 new cards in a 12-month period
- You can only get approved for 4 new cards in a 24-month period

Apparently it only looks at BofA cards. Where as the Chase 5/24 rule looks at any credit card issued to you, regardless of which company issued it to you.

Edit: Adding the 7/12 and 3/12 rules for BofA higher up to this comment.

"7/12 and 3/12 rule"

"According to this rule, customers with a BofA deposit account will not be approved for new cards if they've opened seven cards (across all issuers) in the last 12 months, while customers without a BoA deposit account will be rejected if they've opened three or more cards in the last 12 months."

Source: https://thepointsguy.com/guide/cr...trictions/
Also rejected - 820 credit score and i have no BoA credit cards (never have). They did hit me with a hard credit check though. :|

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ToMaToSauces
01-06-2021 at 04:15 PM.
01-06-2021 at 04:15 PM.
I got one card for my wife and one for myself. $400 free cash... Good luck!
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larrydavid123
01-18-2021 at 04:45 AM.

Our community has rated this post as helpful. If you agree, why not thank larrydavid123

01-18-2021 at 04:45 AM.
Got rejected, have a 780ish credit score. Maybe too many credit card sign ups recently
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rebenga12
01-21-2021 at 11:03 AM.
01-21-2021 at 11:03 AM.
I have a few of these on my account. The rotating categories help fill in the gaps my 5% cards leave depending on the quarter.
Technically if you're a large enough customer, you get 5.25% CB once the actual deposit is made and the 75% bonus is factored in. Not bad for a zero fee card.
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tygron
01-21-2021 at 11:05 AM.

Our community has rated this post as helpful. If you agree, why not thank tygron

01-21-2021 at 11:05 AM.
Quote from larrydavid123 :
Got rejected, have a 780ish credit score. Maybe too many credit card sign ups recently
From what I could find online regarding BofA these are their restrictions for credit cards:

- You can only get approved for 2 new cards in a 30-day period
- You can only get approved for 3 new cards in a 12-month period
- You can only get approved for 4 new cards in a 24-month period

Apparently it only looks at BofA cards. Where as the Chase 5/24 rule looks at any credit card issued to you, regardless of which company issued it to you.

Edit: Adding the 7/12 and 3/12 rules for BofA higher up to this comment.

"7/12 and 3/12 rule"

"According to this rule, customers with a BofA deposit account will not be approved for new cards if they've opened seven cards (across all issuers) in the last 12 months, while customers without a BoA deposit account will be rejected if they've opened three or more cards in the last 12 months."

Source: https://thepointsguy.com/guide/cr...trictions/
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Last edited by tygron January 21, 2021 at 05:51 PM.
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somethinghis
01-21-2021 at 11:05 AM.
01-21-2021 at 11:05 AM.
Posted on 1/05, shows up under the Popular tab on mobile and web now?
I thought sponsored/affiliated posts/deals are only under the Featured tab?

On a side note, new grad here, I opened like my second CC ~2months ago with the Freedom Chase card for the $200 promo, what's the drawback with opening another CC to get the promo within such a short timeframe?
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WittyHeat365
01-21-2021 at 11:22 AM.
01-21-2021 at 11:22 AM.
Quote from tygron :
From what I could find online regarding BoA these are their restrictions for credit cards:

- You can only get approved for 2 new cards in a 30-day period
- You can only get approved for 3 new cards in a 12-month period
- You can only get approved for 4 new cards in a 24-month period

Apparently it only looks at BoA cards. Where as the Chase 5/24 rule looks at any credit card issued to you, regardless of which company issued it to you.
Also rejected - 820 credit score and i have no BoA credit cards (never have). They did hit me with a hard credit check though. :|
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tygron
01-21-2021 at 11:26 AM.
01-21-2021 at 11:26 AM.
Quote from WittyHeat365 :
Also rejected - 820 credit score and i have no BoA credit cards (never have). They did hit me with a hard credit check though. :|
Do either of these apply to you?

"7/12 and 3/12 rule"

"According to this rule, customers with a BofA deposit account will not be approved for new cards if they've opened seven cards (across all issuers) in the last 12 months, while customers without a BoA deposit account will be rejected if they've opened three or more cards in the last 12 months."

Source: https://thepointsguy.com/guide/cr...trictions/
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Last edited by tygron January 21, 2021 at 11:29 AM.

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iBoo
01-21-2021 at 11:34 AM.
01-21-2021 at 11:34 AM.
Can we apply for this credit card if we already opened the mastercard logo?
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desynergy
01-21-2021 at 11:44 AM.
01-21-2021 at 11:44 AM.
If you use CashApp, dont use a BoA credit card on it. They've locked our card for "suspected fraud" several times since we received it in October, and dealing with their customer service is horrible. Transfers to wrong departments, agents lack training and have an attitude, etc. I even had my card locked when calling customer service to reset my online password, because I could not verify my credentials (previous address, current vehicle registered to me, etc), which turned out to be a problem with LexisNexis and not BoA and has been fixed since then. If you get transferred to the department that handles unemployment payments, hang up and try again. Those people do not know how to transfer you back to the correct department, and you'll end up wasting a lot of time.
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WittyHeat365
01-21-2021 at 12:08 PM.
01-21-2021 at 12:08 PM.
Quote from tygron :
Do either of these apply to you?

"7/12 and 3/12 rule"

"According to this rule, customers with a BofA deposit account will not be approved for new cards if they've opened seven cards (across all issuers) in the last 12 months, while customers without a BoA deposit account will be rejected if they've opened three or more cards in the last 12 months."

Source: https://thepointsguy.com/guide/cr...trictions/

Thanks for that info! Yep, definitely applies. I appreciate the clarification. I'll do a better job of reading the terms before applying next time
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lcz06
01-21-2021 at 12:59 PM.
01-21-2021 at 12:59 PM.
I just applied and was approved for this card. Check your mail, not sure if it helps that I used a mailed offer application # for the process.

12 months no interest, $200 cash back, and home improvement rewards. Sign me up!
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tygron
01-21-2021 at 01:48 PM.
01-21-2021 at 01:48 PM.
Quote from somethinghis :
Posted on 1/05, shows up under the Popular tab on mobile and web now?
I thought sponsored/affiliated posts/deals are only under the Featured tab?

On a side note, new grad here, I opened like my second CC ~2months ago with the Freedom Chase card for the $200 promo, what's the drawback with opening another CC to get the promo within such a short timeframe?
You'll just have another Hard Pull on your credit report, which will only ding you a few points. And you will recoup them within a few months.

Other than that many companies will not approve you if you open X amount of cards within a certain amount of time (Usually 12 or 24 months). For example, Chase has the 5/24 [cnbc.com] rule. BoA has some rules as well.

Honestly since you already have a Freedom card from Chase look into the Freedom Unlimited. It has the same $200 promo, with a much smaller spend requirement. And similar and arguably better rewards categories. It will also allow you to transfer your "cash back" to Ultimate Rewards points down the line should you ever open a Chase Sapphire Preferred or Reserve card.

If you stick with Chase you can also get the "Chase Trifecta [nerdwallet.com]", if you have the patience and discipline to plan which card gets used for each purchase!

I posted this link in another reply, but here are the general restrictions from each card issuer. If you ever get into churning and burning you will want to know the limits!

https://thepointsguy.com/guide/cr...trictions/
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sdxm
01-21-2021 at 04:30 PM.
01-21-2021 at 04:30 PM.
Quote from larrydavid123 :
Got rejected, have a 780ish credit score. Maybe too many credit card sign ups recently

That happened to me some time ago (applied at the local bank). Called them to ask way I was not approved they told me to reapply online, a week later they emailed letting me know that I was approved and sent me the card.
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