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Bank of America® Customized Cash Rewards Credit Card: Spend $1,000 or more on purchases in the first 90 days of account opening to earn a $200 Cash Rewards Bonus

+69 Deal Score
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Bank of America is offering a $200 online cash rewards bonus after you make at least $1,000 in 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/furnishings 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%. Balance transfers may not be used to pay any account provided by Bank of America.
  • 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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in Credit Cards (2) Bank of America - Bank Advertiser
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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 Apr 2007
L4: Apprentice
> bubble2 405 Posts
86 Reputation
porshuh
11-26-2023 at 05:52 PM.
11-26-2023 at 05:52 PM.
I bit and took a chance. I have my card activated and it shows right on the landing page of the card the little meter saying how far I have to go to unlock the $200 reward...
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Joined Aug 2005
L5: Journeyman
> bubble2 628 Posts
129 Reputation
deal_master
11-28-2023 at 09:31 AM.

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

11-28-2023 at 09:31 AM.
Quote from migdigital :
If preferred, based on category selection that give 3%, plus 1% for all purchases, total percentage of cash back is 5.257 after 75% boosting cash back. Categories range from Online Purchases to Home Improvement and Travel to mention some.
Three down sides: 1) limit up to purchase value of $2,500 per quarter. 2) Dispute of of purchase is not friendly as would be compared to Chase CC. 3) You can change category once a month.

Ability to change category once a month is not a downside but a plus in my opinion
1
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Joined Aug 2005
L5: Journeyman
> bubble2 628 Posts
129 Reputation
deal_master
11-28-2023 at 09:32 AM.
11-28-2023 at 09:32 AM.
Quote from OldwestGambler :
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.

hi wondering what is the specific advantage for Merrill Lynch customers?
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Joined Aug 2022
L4: Apprentice
> bubble2 625 Posts
71 Reputation
MidnightGamer
11-28-2023 at 09:43 AM.
11-28-2023 at 09:43 AM.
Quote from deal_master :
hi wondering what is the specific advantage for Merrill Lynch customers?
Here's information on benefits of being B of A card holder + Merrill Lynch customer.
https://www.ml.com/solutions/pref...wards.html
1
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Joined Aug 2007
L10: Grand Master
> bubble2 8,175 Posts
2,723 Reputation
ellemdee
11-29-2023 at 05:04 AM.
11-29-2023 at 05:04 AM.
Quote from migdigital :
If preferred, based on category selection that give 3%, plus 1% for all purchases, total percentage of cash back is 5.257 after 75% boosting cash back. Categories range from Online Purchases to Home Improvement and Travel to mention some.
Three down sides: 1) limit up to purchase value of $2,500 per quarter. 2) Dispute of of purchase is not friendly as would be compared to Chase CC. 3) You can change category once a month.
2)
There's a big "Dispute Transaction" button in the app on the transaction details page for each transaction. It's even there for pending transactions. Couldn't be much easier than that.

3) This is a plus, and is easy to change in the app.
Reply
Last edited by ellemdee November 29, 2023 at 05:10 AM.
Joined Oct 2004
Igno(red)
> bubble2 932 Posts
151 Reputation
cundo
11-29-2023 at 07:34 AM.
11-29-2023 at 07:34 AM.
Quote from Wall-e_o7 :
I don't have a card or account with this bank. What are the requirements to be a preferred member?
The requirement is to have an account w/ Bank of America. ;-) Check out the different tiers of preferred members [bankofamerica.com]. Tiers are based on 3-month combined daily average balance across all your Bank of America accounts.
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Joined Nov 2015
L10: Grand Master
> bubble2 1,026 Posts
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AnotherDealHunter
12-02-2023 at 01:53 PM.
12-02-2023 at 01:53 PM.
Quote from HoloTM :
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.
If you use Merrill to invest, you're already being ripped off. Move to somewhere else that's a lower cost.
3
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Joined Sep 2010
L5: Journeyman
> bubble2 747 Posts
408 Reputation
Flawless700
12-03-2023 at 02:35 PM.
12-03-2023 at 02:35 PM.
Quote from AnotherDealHunter :
If you use Merrill to invest, you're already being ripped off. Move to somewhere else that's a lower cost.

Merrill has self directed accounts that cost nothing.
2
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Joined Mar 2020
New User
> bubble2 7 Posts
10 Reputation
RapozaGTR
12-03-2023 at 09:33 PM.
12-03-2023 at 09:33 PM.
i had the red red card from them already, im not sure if that means i can get this one too or would i be denied cause they are the same card. Does anyone know?
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Joined Nov 2008
L6: Expert
> bubble2 1,175 Posts
106 Reputation
SingularMotives
12-04-2023 at 08:18 AM.
12-04-2023 at 08:18 AM.
Quote from RapozaGTR :
i had the red red card from them already, im not sure if that means i can get this one too or would i be denied cause they are the same card. Does anyone know?
I'm not sure which that is. If it is the same card, then you're restricted to 1 every 24 months, but you can always apply for one of their partner cards. They're considered different and bypass that restriction, even though they're all just customized cash cards with the same sign up bonus and benefits.

This reddit post has a list of some of them: https://www.reddit.com/r/CreditCa...ner_cards/

I have a Nature Conservancy card, along with a regular CCR. Applied for on the same day to combine the hard pulls.
It's also a nice way to differentiate between multiple CCR cards if you want to cover multiple categories.
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Joined Nov 2006
L3: Novice
> bubble2 136 Posts
106 Reputation
dbcmeplease
12-04-2023 at 02:09 PM.
12-04-2023 at 02:09 PM.
Quote from SingularMotives :
I'm not sure which that is. If it is the same card, then you're restricted to 1 every 24 months, but you can always apply for one of their partner cards. They're considered different and bypass that restriction, even though they're all just customized cash cards with the same sign up bonus and benefits.

This reddit post has a list of some of them: https://www.reddit.com/r/CreditCa...ner_cards/ [reddit.com]

I have a Nature Conservancy card, along with a regular CCR. Applied for on the same day to combine the hard pulls.
It's also a nice way to differentiate between multiple CCR cards if you want to cover multiple categories.
Yes, I already have the MASTERCARD version of this card. Love it. Had it for years. I now also have the VISA version of this card. There are a couple places that don't take MC so this solves that problem. Not sure if I'll get the $200 - time will tell. One advantage to having both is I can select the 3% category for one card and a different category for the other.. As a platinum preferred rewards it means 5.25% on each card/category
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Joined Dec 2012
L3: Novice
> bubble2 112 Posts
10 Reputation
jellyfishpudding
12-05-2023 at 01:03 PM.
12-05-2023 at 01:03 PM.
When I look online I have five different cards to choose from. But I should pick the one that says Enhanced Categories?

BofA Unlimited Cash Rewards CC ($200 deal)
BofA Premium Rewards CC (60,000 online bonus points offer)
BofA Customized Cash Rewards CC ($200 deal) - this is the Enhanced Categories one
BofA Travel Rewards CC (25,0000 online bonus points)
BofA CC (Save on interest)
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Last edited by jellyfishpudding December 5, 2023 at 01:11 PM.
Joined Nov 2003
In the beginning...
> bubble2 300 Posts
76 Reputation
stannc
12-05-2023 at 04:04 PM.
12-05-2023 at 04:04 PM.
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.

You can pay online using their app. Monthly statements also appear in their app.
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Joined Aug 2006
L7: Teacher
> bubble2 2,714 Posts
209 Reputation
lesterhung
12-05-2023 at 04:17 PM.
12-05-2023 at 04:17 PM.
Quote from stannc :
You can pay online using their app. Monthly statements also appear in their app.

Not for me. Something is wrong with my account and no one there knows why or care
1
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Joined Dec 2022
L2: Beginner
> bubble2 72 Posts
19 Reputation
PurpleRoad146
12-05-2023 at 07:22 PM.
12-05-2023 at 07:22 PM.
Quote from Omeganuts79 :
Great card if you are a preferred client you can get up to 75% match
This doesn't make sense at all. Let's say I have 100k available to sit in a checking account (I don't).
I can let that money sit in Bank of America to get "preferred awards status", which after three months gives me an additional 2.25% cashback on purchases in a single category (say online stores like amazon) which assumes I know what category a purchase will be applied to (I don't).

OR I can put that 100k in treasury bills that return 5% non-competitively over 13 weeks... who the hell would pick first option???

Edit: I have nothing against this card or this deal, but definitely don't go into this card for preferred rewards...
Edit2: Sorry for not updating. I'm definitely wrong for implying that only checking accounts got rewards. I'm leaving the comment up for context.
3
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Last edited by PurpleRoad146 February 12, 2024 at 05:08 PM.
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