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Bank of America® Customized Cash Rewards Credit Card: $200 Cash Rewards Bonus If Spend $1,000 on Purchases in First 90 Days

+21 Deal Score
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Bank of America is offering $200 online cash rewards bonus after you make at least $1,000 on purchases in the first 90 days of account opening with their Bank of America® Customized Cash Reward credit card. No Annual fee.

Card Details:
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Slickdeals may be compensated by Bank of America.
Created 03-07-2023 at 10:45 AM by EfficientGame645
in Credit Cards (2) Bank of America - Bank Advertiser
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Deal
Score
+21
40,015 Views
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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Joined Aug 2007
L10: Grand Master
> bubble2 8,278 Posts
2,739 Reputation
ellemdee
06-13-2023 at 10:58 PM.
06-13-2023 at 10:58 PM.
I have 2 of these cards and put all of my daily expenses on one of them, just for the cash back. But, I pay off my balance every month.

I like (free) money.
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Joined Nov 2020
New User
> bubble2 6 Posts
10 Reputation
utosphere
06-15-2023 at 04:22 PM.
06-15-2023 at 04:22 PM.
One good use I've found for this card is that if you select the "Online Shopping" category for your 3% cashback, it'll apply to any sort of meal kit subscription like Hello Fresh, Green Chef, etc. That's the main thing I use it for these days as you can generally get better cashback without any annual fees for the other categories.
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Joined Sep 2010
L5: Journeyman
> bubble2 917 Posts
432 Reputation
Flawless700
06-24-2023 at 03:45 PM.
06-24-2023 at 03:45 PM.
It also counts as online shopping for me for rent.

Also, Merrill lynch does count towards preferred Rewards.

And it's 1% on everything, uncapped.

2% on. Grocery stores and wholesale, bjs Costco

3% on the category of you choose with 2500 spend cap then 1%

Like other members stated, this card can be best option for c.c period if you have platinum honors (100k total deposits between bofa and Merrill).

1.75%
3.50%
5.25%
Reply
Last edited by Flawless700 June 24, 2023 at 03:51 PM.
Joined Jul 2006
L4: Apprentice
> bubble2 355 Posts
70 Reputation
Troblin
06-25-2023 at 07:15 AM.
06-25-2023 at 07:15 AM.
This card is amazing.

There might be some slightly better options for travel enthusiasts with the Capital One Venture X, Sapphire Preferred, or AMEX Gold/Plat, but I don't really travel so for sheer cashback, this card is king.


5.25% with platinum honors. I use it with my Amazon FBA business since I do a bit of retail arbitrage. Just applied and was approved for my 5th BOA Cash Rewards card. It's my go to.
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Joined May 2006
E - 1/2 - junk - 3/4 - F
> bubble2 3,638 Posts
537 Reputation
dregan
07-03-2023 at 01:34 PM.
07-03-2023 at 01:34 PM.
One thing nice I've noticed is that it will show you how much you've spent in all the select-able categories, so if I'm not sure if something qualifies for such and such (i.e. does paying online bills count toward online shopping) then I can look at this and figure out what to select.
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Joined Oct 2018
New User
> bubble2 5 Posts
10 Reputation
NavyReward8780
07-09-2023 at 08:28 AM.
07-09-2023 at 08:28 AM.
For Costco members, this is better than the Citi card. It is a Visa card so it is accepted at Costco. You get the same 2% as the Citi card and you don't have to wait until the yearly check to redeem it. If you don't have any bonus $ on your Citi card, you could cancel your Costco membership temporarily.
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Joined Jul 2003
Master Of The Obvious
> bubble2 10,632 Posts
1,152 Reputation
burticus
07-09-2023 at 10:05 AM.
07-09-2023 at 10:05 AM.
Does anyone pay their utilities (ie - electric bill, water bill, etc) with this? Does it fall into one of the chooseable categories?

I have a citi mc now and I get the 3% on grocery stores / lowes/ travel but online bills are 1% which is kind of a drag since that is $500ish a month guaranteed.
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Joined May 2006
E - 1/2 - junk - 3/4 - F
> bubble2 3,638 Posts
537 Reputation
dregan
07-11-2023 at 01:51 PM.
07-11-2023 at 01:51 PM.
Quote from NavyReward8780 :
For Costco members, this is better than the Citi card. It is a Visa card so it is accepted at Costco. You get the same 2% as the Citi card and you don't have to wait until the yearly check to redeem it. If you don't have any bonus $ on your Citi card, you could cancel your Costco membership temporarily.
But you would still need your Costco membership to shop at Costco and to get Costco gas? Unless you buy Costco cash cards but would still need a membership or know someone who has one?

Citi custom cash card looks interesting to possibly pick up the slack on what BofA card doesn't cover: 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment. It looks like it will automatically pick the category you spend the most in, but I have a sneaking suspicion you may not be able to pull cash out until you hit 10k points ($100)? Whereas BofA lets you get any amount of cash back. Also capped at $500/month in category spending, BofA customized cash is $2500/quarter.

Quote from burticus :
Does anyone pay their utilities (ie - electric bill, water bill, etc) with this? Does it fall into one of the chooseable categories?
I don't think that will work, I tried paying T-Mobile and Cox bills hoping they would fall into the online shopping category but that was a no-go, they didn't fall into any category other than base.
Reply
Last edited by dregan July 11, 2023 at 02:12 PM.
Joined Jul 2006
L4: Apprentice
> bubble2 355 Posts
70 Reputation
Troblin
07-17-2023 at 07:34 AM.
07-17-2023 at 07:34 AM.
Quote from burticus :
Does anyone pay their utilities (ie - electric bill, water bill, etc) with this? Does it fall into one of the chooseable categories?

I have a citi mc now and I get the 3% on grocery stores / lowes/ travel but online bills are 1% which is kind of a drag since that is $500ish a month guaranteed.
Does not work for utilities. The only 5% utilities card i know of is the US Bank Cash +
Reply
Joined Dec 2018
Why is the Sky Blue?
> bubble2 685 Posts
203 Reputation
Sumt0n3
07-28-2023 at 02:10 AM.
07-28-2023 at 02:10 AM.
When is the MLB card coming back? Get $300 back after spending $500.00 =(
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Joined May 2014
Mr. President
> bubble2 399 Posts
54 Reputation
VladPootin
08-04-2023 at 09:48 AM.
08-04-2023 at 09:48 AM.
Probably the best card for cash back from online purchases IF you are a preferred client, which adds additional % back. No other card offers that much cash back.
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