Bank of America Customized: Flexible, fee-free and rewarding
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Bank of America Customized is the ideal choice for anyone who values flexibility and rewards.
Instead of adhering to rigid bonus categories, with this card you can decide for yourself, where you get the most benefits.
Whether it's travel, online shopping, petrol or restaurants – you decide which category brings 3 % cashback.
In addition, there are 2 % on groceries and wholesale purchases, and 1 % on all other purchases.
The best part? No annual fee – and complete transparency regarding all terms and conditions.
Key advantages of the Bank of America Customized
- 💳 Up to 3 % Cashback – Choose a category of your choice: Petrol / EV charging stations, online shopping, restaurants, travel, pharmacies or DIY supplies.
- 🛒 2 % Cashback at supermarkets and wholesale clubs, ideal for everyday shopping.
- 💵 1 % Cashback on all other purchases, after reaching the quarterly limit.
- 🎁 Welcome bonus: $200 Cashback after $1 000 sales in the first 90 days.
- 🚀 Special offer for new customers: 6 % Cashback in the first year in your chosen 3 % category (up to $2 500 per quarter in 3 % + 2 % categories).
- 🏦 Preferred Rewards Bonus: Members of the Bank of America Preferred Rewards program receive 25 to 75 more cashback on all purchases.
- ❌ No annual fee – full benefits without additional costs.
- 🌎 0 % Intro-APR for 15 months on purchases and transfers.
How does Bank of America Customized work?
The concept of this card revolves around control and personalization.
While other credit cards have rigid cashback structures, this card gives you the opportunity to earn your rewards where you spend the most money.
Here's how it works:
- Choose your main category (e.g. petrol, travel or online shopping).
- Get 3 % Cashback in your chosen category, 2 % at supermarkets and wholesalers, and 1 % on all other purchases.
- These 3 % and 2 % rewards apply to spending up to $2 500 per quarter combined in both categories. After that, you earn 1 TP3T on all further purchases.
- Bonus for new customers: 6 % Cashback in the first year in your chosen category (within the same $2 500 limit).
- Preferred Rewards customers: Your cashback rates will be automatically increased by 25-75% %, depending on your status.
💡 Example:
If you spend $1 200 per month ($500 in the 3 % category, $300 groceries, $400 other purchases) → approx. $28 cashback per month = $336 per year + possible bonus.
How to apply for the card
The application process is simple, digital and transparent – no paperwork, no hidden fees.
1. Start online application
Go to the official Bank of America website and select "Apply Now". Enter your personal information, income, and current bank account details (if applicable).
💡 Tip: If you already have a Bank of America account, your application can be processed automatically faster.
2. Check creditworthiness
The card is aimed at people with Good to excellent credit rating (score of 670 or higher).
Bank of America checks your creditworthiness with a soft pull (no score reduction) before the final application is assessed with a hard pull.
3. Preliminary decision
In most cases, you will receive an immediate decision. If further information is required, it can be securely uploaded to the online portal.
4. Activation & Use
Once approved, your card will be delivered within a few days. Activate it via the Bank of America Mobile App, to get started right away.
💬 Tip: Set your preferred category now to take full advantage of the cashback potential from day one.
How to maximize your cashback rewards
To unlock the full potential of your Customized Cash Rewards Card To maximize your spending, you should structure your expenses cleverly:
- 📅 Adjust category monthly – e.g. “travel” in the summer, “online shopping” in the winter.
- 🛒 Always pay for groceries with this card – the 2 % add up quickly.
- 💰 Regular payment of invoices – this way you avoid interest and increase your net rewards.
- 🔄 Reinvest cashback – Use your rewards to finance bills or travel.
💡 Extra tip: Combine this card with a Bank of America checking account to get up to 25–75 % more cashback to be obtained through the "Preferred Rewards" program.
Transparent fees and conditions
This card stands for simplicity – no hidden costs, no surprises.
- No annual fee
- No setup fee
- 0 % APR for 15 months (then 17.24 – 27.24 %)
- 3 % Foreign transaction fee for international purchases
- Late payment: $40 fee – avoid this with automatic payments in the app.
Security and service functions
- Zero Liability Protection – Protection against unauthorized transactions.
- Real-time alerts in case of suspicious activity.
- Digital budgeting tools – Track your expenses and plan your finances directly in the app.
- Paperless banking – environmentally friendly and safe.
- 24/7 customer support – reachable online or by phone.
Why Bank of America Customized is worth it
This card is perfect for anyone who Flexibility, rewards and transparency treasure.
It combines a strong cashback program with the freedom to adapt the reward category to your life situation – without an annual fee.
It is ideal for:
- Customers with regular spending in specific categories (e.g., travel, shopping, gasoline)
- Families who want to optimize everyday shopping
- People who want full control over their finances
Conclusion: Your entry into a year full of cashback
The Bank of America Customized It not only offers flexibility, but also an outstanding head start: Up to 6 % cashback in the first year in your chosen main category.
This special offer makes the card particularly attractive for new users who want to turn their daily expenses into real savings.
Combine this advantage with the 2 % at supermarkets and 1 % on all other purchases, and you will receive one of the most versatile cashback cards on the US market.
After the first year, you will continue to benefit from 3 % in your desired category, with no annual fee and the option to adjust your cashback category every month.
Whether you're traveling, shopping, or dining out – this card helps you manage your finances. free, transparent and rewarding.