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If you are in the United States and are looking for a credit card with flexible cash rewards, no annual fee and with the security of one of the largest banks in the country, the Bank of America Customized Cash Rewards Credit Card is a smart choice.
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In this guide, you will learn how to apply your card, what documents are required, and what are the main benefits and conditions of this product.
Step-by-Step Guide to Applying for the Bank of America Customized Cash Rewards Credit Card
1. Confirm your eligibility
The card is suitable for people with good or excellent credit, and who are looking for a versatile rewards program. It is necessary to be US resident, to have stable income and reasonable credit history.
2. Access the official Bank of America website
Go to the official Bank of America website and go to the credit card section. Choose the Customized Cash Rewards Credit Card and click on “Apply Now” (Apply Now).
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3. Fill out the online form
Enter your personal and financial information, such as:
- Full name
- Address
- Annual income
- Current employment
- Social Security Number (SSN)
4. Attach (if requested) the necessary documents
Although the process is digital, the bank may request additional documents such as:
- Official identification (passport, driver's license, or US ID)
- Proof of income (payslips, tax return)
- Proof of residence (electricity bill, rental agreement)
5. Wait for analysis and approval
Analysis is generally quick — in some cases, instantIf approved, the card will be sent to your address within a few business days.
6. Activate your card
After receiving, activate the card by Bank of America app or website. You can start earning cashback on your first purchases.
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Required Documents
- ✅ Valid ID (passport, ID, driver's license)
- ✅ Social Security Number (SSN) or ITIN
- ✅ Proof of income (pay stub or tax return)
- ✅ Proof of residence (utility bill, bank statement, rent)
Bank of America Customized Cash Rewards Rates and Conditions
- Annuity: $0 (no annual fee)
- Interest Rate (APR): Variable, based on your credit (usually between 19,24% to 29,24% APR)
- Cashback:
- 3% in custom category (gasoline, online shopping, restaurants, travel, pharmacies, or home improvements)
- 2% in supermarkets and wholesale clubs
- 1% on all other purchases
- (Limit of $2,500 per quarter in the 3% and 2% categories)
- Welcome Bonus: Receive $200 cashback after spending $1,000 in the first 90 days (new customer offer, valid for a limited time)
- No international transaction fees: ❌ No – this card charges fees on purchases abroad.
Who Should Apply for This Card?
- ✅ People with good to excellent credit
- ✅ Who makes frequent purchases in specific categories (gasoline, online, supermarkets)
- ✅ Customers of Bank of America, who can get extra cashback
- ✅ Who is looking for a card no annual fee and easy to manage
- ❌ Those who travel abroad a lot (there are more advantageous cards for this, with no international fees)
Conclusion
THE Bank of America Customized Cash Rewards Credit Card is a solid option for anyone who wants earn cashback with freedom of choice, without paying an annual fee and with the security of a large bank.
If you have good credit and are looking for a versatile, easy-to-use card with a good return, this could be the ideal partner for your daily finances.