Bank of America Customized: Flexible, fee-free, and rewarding.
With this card, you choose where you want to earn more benefits, without depending on categories.
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Bank of America Customized is the ideal choice for those who value flexibility and rewards.
With this card, you choose where you want to earn more benefits, without being tied to rigid bonus categories.
Whether it's for travel, online shopping, fuel, or restaurants – you decide where to get 3 % cashback.
In addition, you earn 2 % points at supermarkets and wholesale stores, and 1 % point on all other purchases.
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And the best part? No annual fee, with complete transparency in the terms and conditions.
Key Advantages of Bank of America Customized
- 💳 Up to 3 % Cashback Choose your preferred category: fuels / electric vehicle charging stations, online shopping, restaurants, travel, pharmacies, or DIY materials.
- 🛒 2 % Cashback Available in 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 in purchases within 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 the 3 % + 2 % categories).
- 🏦 Rewards Preference BonusMembers of the Bank of America Preferred Rewards program receive between 25% and 75% more cashback on all purchases.
- ❌ No annual fee. All the benefits without extra costs.
🌎 0 % introductory APR for 15 months for purchases and transfers.
How Bank of America Customized Works
The concept behind this card revolves around control and personalization.
Unlike other credit cards, which have rigid cashback structures, the Bank of America Customized card allows you to earn rewards where you spend the most.
- Choose your main category (e.g., gasoline, travel, or online shopping).
- Earn 3 % cashback in your chosen category, 2 % at supermarkets and wholesalers, and 1 % on all other purchases.
Important: These 3 % and 2 % benefits apply to spending up to $2,500 per quarter in both categories. After that, you earn 1 % on all purchases.
Bonus for new customers: 6 % cashback in the first year in the chosen category (within the limit of $2,500).
Preferred Rewards CustomersYour cashback rates will be automatically increased from 25 % to 75 %, depending on your status.
How to Sign Up for the Card
The registration process is simple, digital, and transparent – with no bureaucracy or hidden fees.
- Start the online registration
Go to the official Bank of America website and select “Apply now”. Fill in your personal information, income, and bank details (if applicable).
TipIf you are already a Bank of America customer, your application will be processed more quickly. - Credit check
The card is aimed at people with good to excellent credit scores (above 670). Bank of America performs an initial credit check (without lowering the score) before conducting a full review. - Preliminary decision
In most cases, you will receive an immediate response. If more details are needed, they can be securely submitted through the online portal. - Activation and use
After approval, your card will be shipped within a few days. Activate it through the Bank of America mobile app and start using it immediately.
How to Maximize Your Cashback Rewards
To unlock the full potential of your Personalized Rewards Card, organize your spending intelligently:
📅 Adjust the monthly category. e.g.: “travel” in the summer, “online shopping” in the winter.
🛒 Always pay for your groceries at the supermarket. – the 2 % accumulate quickly.
💰 Pay your bills regularly. This way, you avoid interest and increase your net rewards.
🔄 Reinvest your cashback. Use your rewards to pay bills or travel.
Extra tipCombine this card with a Bank of America checking account to earn up to 75% more cashback through the program. Preferred Rewards.
Transparent Fees and Clear Conditions
This card is synonymous with simplicity – no hidden costs and no surprises.
- No annual fee.
- No setup fee.
- 0 % APR for 15 months (then from 17.24 % to 27.24 %)
- International transaction fee 3 out of % on international purchases
- Late payment fee: $40 – avoid this with automatic payments in the app.
Security and Service Features
- 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 Bank – safe and environmentally friendly.
- 24/7 Customer Support – available online or by phone.
Why Bank of America Customized is Worth It
This card is perfect for those who value Flexibility, rewards, and transparency..
It combines a solid cashback program with the freedom to tailor the rewards category to your life situation – with no annual fee.
Ideal for:
- Customers with regular spending in specific categories (travel, shopping, gasoline)
- Families who want to optimize their daily shopping.
- People who want complete control over their finances.
Your Start in a Year Full of Cashback
Bank of America Customized offers not only flexibility, but also an excellent initial advantage: up to 6 % cashback in the first year in the main category chosen.
This special offer makes the card particularly attractive to new users who want to turn their daily expenses into real savings.
Combine this benefit with 2 % points at supermarkets and 1 % point on all other purchases, and you'll have one of the most versatile cashback cards on the US market.
After the first year, you will continue to benefit from 3 % in the chosen category, with no annual fee and the option to adjust your cashback category every month.
Whether traveling, shopping, or dining out – this card helps you manage your finances in a way that... free, transparent and rewarding.