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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

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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.

New Offer: Earn 6% cash back for the first year in a category of your choice — gas and EV charging stations; online shopping (including cable, internet, phone plans, and streaming); dining; travel; drug stores and pharmacies; or home improvement and furnishings. You'll also earn 2% cash back at grocery stores and wholesale clubs, and 1% on all other purchases. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then 1% thereafter. After the first year, the bonus offer ends and you will earn 3% in your choice category and 2% at grocery stores on these combined purchases up to $2,500 per quarter. You'll earn unlimited 1% cash back on all other purchases.

Card Details:
  • New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You'll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
  • 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.

Slickdeals may be compensated by Bank of America
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Created 05-24-2025 at 01:02 PM by dregan
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 May 2008
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pur | Staff
05-24-2025 at 01:11 PM.
05-24-2025 at 01:11 PM.
Chat assistant jump scare warning Scared
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guptaji
05-24-2025 at 01:23 PM.

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

05-24-2025 at 01:23 PM.
Misleading title.

For 3.12%, you need to have a $100k+ combined average daily balance in your BoA accounts, and even then, you get 3.12% ONLY in the first year.

From year 2 onwards, it's 2.62% max with a $100k+ combined average daily balance.
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Joined Dec 2007
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ChaChing23
05-24-2025 at 02:50 PM.
05-24-2025 at 02:50 PM.
Quote from guptaji :
Misleading title.

For 3.12%, you need to have a $100k+ combined average daily balance in your BoA accounts, and even then, you get 3.12% ONLY in the first year.

From year 2 onwards, it's 2.62% max with a $100k+ combined average daily balance.
Untrue. Title is accurate.

In the past, with $100K balance and preferred rewards, you got 5.25% on $2,500 in your selected category (frankly, the only one that matters), every quarter.

With the additional 3% included in this offer, it will be 8.25% per quarter. If managed correctly, you can do it for five quarters. Plus, the $200 sign-up bonus. That's a total bonus that rivals most any other.
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Last edited by ChaChing23 May 24, 2025 at 02:54 PM.
Joined May 2006
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dregan
05-24-2025 at 03:11 PM.
05-24-2025 at 03:11 PM.
Quote from guptaji :
Misleading title.

For 3.12%, you need to have a $100k+ combined average daily balance in your BoA accounts, and even then, you get 3.12% ONLY in the first year.

From year 2 onwards, it's 2.62% max with a $100k+ combined average daily balance.
The problem is I didn't want to shove a whole lot of detail and clutter in the title, so that's why I put the catch all "up to" in there, and if it sounded good people could read the details. I put in most of the work to get the details correct but couldn't go back to update the title, for which I would add "for a year."

I signed up for the unlimited rewards card, it beats anything else I could find for general purchases such as the Paypal card which gives back 3% but only through Paypal purchase portal. Plus unlimited rewards card isn't capped.
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Last edited by dregan May 24, 2025 at 03:16 PM.
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WolfTheCat
05-24-2025 at 03:56 PM.
05-24-2025 at 03:56 PM.
BofA permits you to have more than one Customized Cash card.

Wondering if they will let me get a second one and have this bonus for a year.
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freefun4every1
05-24-2025 at 04:05 PM.
05-24-2025 at 04:05 PM.
Definitely misleading. I thought they are issuing a new card better than unlimited cash 2.62%

No

Quote from guptaji :
Misleading title.

For 3.12%, you need to have a $100k+ combined average daily balance in your BoA accounts, and even then, you get 3.12% ONLY in the first year.

From year 2 onwards, it's 2.62% max with a $100k+ combined average daily balance.
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Joined Oct 2017
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LostWallet
05-24-2025 at 04:06 PM.
05-24-2025 at 04:06 PM.
Priceline has also been my main catch-all 2% card forever.

"For a year" is a blink of an eye.

I think there are only 2 2% forever catch all cards left: Citi and Wells Fargo.

Both have 3rd rate customer service phone reps. Still holding out for now.
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duke5150
05-24-2025 at 04:29 PM.
05-24-2025 at 04:29 PM.
U.S.Bank Smartly Visa (1st gen) = 4% on everything.
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Chinonoco
05-24-2025 at 04:34 PM.
05-24-2025 at 04:34 PM.
Quote from WolfTheCat :
BofA permits you to have more than one Customized Cash card.

Wondering if they will let me get a second one and have this bonus for a year.

Yes. I have 3 plus the Susan G. Comen which is basically the same thing.

edit. I'm not sure if they will give you the bonus. just backing up the multiple cards fact.
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NathanK01
05-24-2025 at 04:38 PM.
05-24-2025 at 04:38 PM.
Quote from LostWallet :
I think there are only 2 2% forever catch all cards left: Citi and Wells Fargo.
Those aren't the only 2% cards out there. There are several others, such as the Fidelity Visa.
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namlook
05-24-2025 at 06:29 PM.
05-24-2025 at 06:29 PM.
Quote from ChaChing23 :
Untrue. Title is accurate.

In the past, with $100K balance and preferred rewards, you got 5.25% on $2,500 in your selected category (frankly, the only one that matters), every quarter.

With the additional 3% included in this offer, it will be 8.25% per quarter. If managed correctly, you can do it for five quarters. Plus, the $200 sign-up bonus. That's a total bonus that rivals most any other.
Title isn't misleading but it leaves out needing a $100k balance for 8.25%. That's pretty significant information that's missing.
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Last edited by namlook May 24, 2025 at 06:47 PM.

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Joined May 2005
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deetz
05-24-2025 at 06:46 PM.
05-24-2025 at 06:46 PM.
FYI. The $100k can be in a link Merril Edge account where you can invest it to your hearts content. It would NOT be smart to leave it in BofA savings only but since you have the option for Merrill Edge, you can buy anything including tbills.
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RoshanA8458
05-24-2025 at 06:46 PM.
05-24-2025 at 06:46 PM.
Quote from WolfTheCat :
BofA permits you to have more than one Customized Cash card.

Wondering if they will let me get a second one and have this bonus for a year.

I have three of their customized cash reward cards.
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