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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

+45 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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America 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 cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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.


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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
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Created 08-07-2023 at 10:04 AM by EfficientGame645 | Staff
in Credit Cards (2)
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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 Dec 2010
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matrix5k
10-24-2023 at 01:55 PM.
10-24-2023 at 01:55 PM.
This is a good card. 0% apr for 15 months. Great arbitrage with 5% savings accounts now. The $200 and cash back categories are a nice bonus. Capital One denied me for the Quicksilver card, even though I have the Venture X. This card is basically the same.
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Joined May 2017
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Omeganuts79
10-24-2023 at 05:16 PM.
10-24-2023 at 05:16 PM.
Great card if you are a preferred client you can get up to 75% match
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Joined Dec 2006
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fmo
10-24-2023 at 07:59 PM.

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10-24-2023 at 07:59 PM.
FYI there is a fee on foreign currency purchases just in case anyone was wondering.
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MidnightGamer
10-25-2023 at 11:10 AM.
10-25-2023 at 11:10 AM.
I've had this card for years and really like it. I constantly get about $60 to $150+ back monthly with normal shopping and I don't pay anything for using other bank's ATM's as a preferred client. I also like being able to pay my balance to zero a few times a month. My other card won't allow that. It's also great card to have for Merrill Lynch customers, too.
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Last edited by OldwestGambler October 25, 2023 at 11:13 AM.
Joined May 2014
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VladPootin
10-25-2023 at 12:01 PM.
10-25-2023 at 12:01 PM.
Quote from Omeganuts79 :
Great card if you are a preferred client you can get up to 75% match

Exactly 💯%! 75% boost plus you get to choose a category (online purchases for me). With the rewards alone I pay my phone/Internet bill monthly 🙏
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LukeT9361
10-25-2023 at 01:16 PM.

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10-25-2023 at 01:16 PM.
I've had this card for a long time, be warned that account support on them are a complete disaster. I still use it often for the cash back, but for anything with a sketchy merchant or any reasonably important purchase, I use a different card. Every dispute I've done with bofa has been denied after 60 - 75 days with no explanation. Once my card was stolen and used a few states away - even that dispute was denied.
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Joined Nov 2012
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picubed
10-25-2023 at 03:09 PM.
10-25-2023 at 03:09 PM.
Quote from LukeT9361 :
I've had this card for a long time, be warned that account support on them are a complete disaster. I still use it often for the cash back, but for anything with a sketchy merchant or any reasonably important purchase, I use a different card. Every dispute I've done with bofa has been denied after 60 - 75 days with no explanation. Once my card was stolen and used a few states away - even that dispute was denied.
All my big and important purchases are done using this card. I avoid any kind of sketchy online transactions and not worth my time calling any card's customer support to save a few dollars and risk card security breaches.

Also, I usually make the payments in-store using Apple Pay or Walmart Pay and many of these transactions track as online purchases along with my preferred client bonus. Every quarter I max out on my online category cashback.
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HIDDENlesterhung10-26-2023 at 01:14 AM.
Joined Sep 2005
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spidrw
10-26-2023 at 06:25 AM.
10-26-2023 at 06:25 AM.
Quote from lesterhung :
Do NOT get ANYTHING related to this bank.
1. You cannot pay online, no way to add it, CS do not know why.
2. They do NOT even provide you a monthly stmt, no paper stmt, no e-stmt. Just NO stmt at all. CS does not know why.
3. Complaints with CFPB just go to a black hole.

Uh, 1 and 2 are categorically false.

Have had this card for years, and have done online bill pay (through the website or the BoA app) the entire time.

Also have always received a paper statement, email notifications for statements, and can access pdf statements online going back to 2016 (when I opened the card).
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LukeT9361
10-26-2023 at 06:44 AM.
10-26-2023 at 06:44 AM.
Quote from picubed :
All my big and important purchases are done using this card. I avoid any kind of sketchy online transactions and not worth my time calling any card's customer support to save a few dollars and risk card security breaches.

Also, I usually make the payments in-store using Apple Pay or Walmart Pay and many of these transactions track as online purchases along with my preferred client bonus. Every quarter I max out on my online category cashback.
this is the only card I've ever had where their dispute process wouldn't even cover a stolen card
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llovany
10-26-2023 at 02:16 PM.
10-26-2023 at 02:16 PM.
Quote from LukeT9361 :
this is the only card I've ever had where their dispute process wouldn't even cover a stolen card

It depends on if you have other accounts with them and your situation. My card numbers were stolen at a restaurant once. They made a fake card and charged thousand in another state. They send me a new card and removed all the charges very quickly. I've had no problems with BofA.
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HIDDENlesterhung10-26-2023 at 08:29 PM.
Joined Dec 2007
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splg38
10-26-2023 at 09:25 PM.

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10-26-2023 at 09:25 PM.
WORST credit card company I have ever dealt with.

- Refused to give proper rewards. BoA was recently fined $100 million on this by CFPB. They have not changed.

- As someone else commented, they do not care if you complain to CFPB, it's like the $100 million was a joke to them, probably because it is.

DO NOT RECOMMEND.
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HoloTM
11-03-2023 at 02:08 PM.
11-03-2023 at 02:08 PM.
It's a good card, especially if you use Merrill to invest as well, but with inflation that $200 should really be $300 now lol.
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