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The Bank of America Customized card offers up to 3x cash back with customizable rewards.
The Bank of America Customized from Bank of America is a flexible card that allows cardholders to customize reward categories and earn up to three times cash back on selected spending.
This card is perfect for people who want to make the most of their daily spending and control their rewards according to their financial needs. The combination of competitive cashback and no annual fee makes it an affordable and lucrative solution for many consumers.
Holders of the cardholders also benefit from special offers for Bank of America customers, including additional cashback bonuses when maintaining a banking relationship with Bank of America.
In addition, this card has a 0% introductory interest rate on first purchases and balance transfers, making it an attractive option for those looking to save on interest.
With an intuitive mobile app and financial tracking services, Bank of America Customized is designed to simplify spending and rewards management and help users make the most of their spending.
Up to 3 cashbacks in selected categories: B. Gain flexibility to maximize your benefits on everyday purchases and large expenses such as gas, restaurants and online shopping. BBank of America Customized benefits are a convenient and customized solution to suit a variety of financial profiles.
In addition, this card offers cashback of 2% at supermarkets and wholesale clubs and 1% on all other purchases. With an annual fee of $0 and an attractive initial bonus, we combine affordability with real benefits.
Bank of America Customized
Customizable rewards No annual feeHow does the ABank of America Customized credit card work?
With the card, you get cash back on every purchase. Cardholders can choose 3% categories on options such as gasoline, online purchases, travel, restaurants, pharmacies and home renovations.
In addition, all other purchases offer a first cashback and the Supermarkets and Wholesalers category guarantees a second cashback, but the category’s quarterly spending limit is capped at 3%.
Cardholders can maximize their benefits by shopping in personalized categories and can adjust categories once a month as their financial priorities change. Accumulated funds can be redeemed as a statement credit, deposit to a qualified Bank of America account or check, giving you great flexibility.
Account holders in the Preferred Rewards program account holders can receive a percentage increase in rewards worth up to 75% cash back, depending on their level of participation in the program.
Main benefits of Bank of America Customized
- Flexibility in Cash Back Categories : Users can customize their highest-earning categories based on their spending habits, ensuring maximum rewards on what matters most to them. This flexibility is further enhanced by the ability to adjust these categories monthly, allowing cardholders to adapt their rewards to seasonal changes or shifts in personal spending.
- Enhanced Benefits for Preferred Rewards Members: Customers who participate in the Bank of America Preferred Rewards program receive even more cash back, amplifying the value of their everyday purchases. This tiered loyalty benefit rewards long-term banking relationships and offers significant savings for those who qualify.
- No Annual Feel: This card comes with no annual fee, ensuring accessibility to a broad range of consumers. It’s an ideal option for those who want to maximize rewards without the added cost of maintaining the card year after year.
- Customizable Reward Structure: Cardholders earn 3% cash back in their chosen category (such as dining, travel, or online shopping), 2% at grocery stores and wholesale clubs, and 1% on all other purchases. This tailored rewards structure allows users to make the most of their everyday expenses.
- Introductory Offers and Financial Perks: Often, new customers can enjoy competitive introductory APR offers or bonus cash back when meeting initial spending requirements, making the card even more rewarding from the start.
- Simple Redemption Process: Redeeming rewards is easy and flexible, with options to deposit cash back into a Bank of America account, apply it as a statement credit, or use it for direct purchases.
- Exclusive Access and Tools: Cardholders gain access to tools like spending insights and management, helping them optimize their finances while earning rewards.
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Cons of Bank of America Customized
Quarterly limit: 3% The category has a spending limit, which can be limiting for large consumers.
Focus on banking relationships: To take full advantage of its benefits, you must be a Bank of America customer and participate in the Preferred Rewards program.
Foreign Transaction Fee: This card is not ideal for international travel, as there is a fee for purchases made outside the United States.
APR and fees
This card offers a 0% introductory APR on purchases and balance transfers during the first 18 billing cycles. After this period, a variable annual interest rate will be applied based on the cardholder’s credit history.
These terms make the card attractive to people looking to consolidate debts or make large purchases without accruing interest.
International transaction fees can be a negative point for international travelers. Also, although there is an initial fee to transfer your balance, you will still benefit from a 0% introductory APR.
How to apply for Bank of America Customized
You can apply for the card online on the official Bank of America website.This process involves filling in a form with your personal, financial and contact information.It is recommended that you have a good credit history to increase your chances of approval.
Once approved, the card will be sent to the applicant’s address within 10 working days. You can track the status of your application via the customer portal and also get detailed information on how your card works.
The customers who already bank with Bank of America will benefit from an even faster and more efficient process because some of their data is already in Bank of America’s systems.
