Will I still get 3% cash back from my Bank of America Cash Rewards card if I'm using it outside the U.S.?
4
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Thomas Antonsson
You will get the 3% cash back from your Bank of America Cash Rewards on international purchases.
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
$200
online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
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Rewards1,290Reviews96Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
$200
online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
Rewards
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and no expiration on rewards.
APR on Purchases
0% intro APR for 18 billing cycles, 16.99% - 26.99% Variable APR after that
Balance Transfer
0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days, 16.99% - 26.99% Variable APR after that
Balance Transfer Fee
WalletHub Review
by John Kiernan
October 25th, 2022
Bank of America Customized Cash Rewards credit card Pros & Cons
$200 initial bonus (online exclusive)
Up to 3% cash back
No annual fee
Potential for a very high regular APR
3% foreign-transaction fee
Bank of America Customized Cash Rewards credit card's Additional Info
| cash advance fee | See Terms |
| cash advance APR | See Terms |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-PIN |
| max late fee | See Terms |
| max overlimit fee | $0 |
| max penalty APR | 29.99% (V) |
| grace period | See Terms |
New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.99% - 26.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
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.
Bank of America Customized Cash Rewards FAQ
Can't find what you are looking for? Submit your question about Bank of America® Customized Cash Rewards credit card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Are Bank of America cash rewards taxable?
4
UpvotesReply
Tom Pytre
No, Bank of America credit card cash rewards are not taxable. The rewards are seen more like a discount than income in the eyes of the IRS.
How much do I get charged if I spend $100?
4
UpvotesReply
Robert Triskel
You don't get “charged” anything. If you pay it back in the same billing cycle, you won't even have interest, or if you're still under 12 months since you opened the account.
Can I do a money transfer with this card?
4
UpvotesReply
WalletHub
Yes, you can do a Same-Day Online cash advance using your BankAmericard Cash Rewards™ Credit Card, which is basically a transfer of funds from your credit card account to your bank account.
I have a rebate card and was trying to find out the balance on it.
4
UpvotesReply
WalletHub
You can see your current balance using online banking. You can enroll into online banking here.
Is Bank of America Cash Rewards a cash back credit card?
3
UpvotesReply
Adam McCann
Yes, the Bank of America® Customized Cash Rewards credit card is a cash back credit card, which gives 1 - 3% cash back on purchases and has an annual fee of $0. The Bank of America Customized Cash Rewards credit card also offers an initial bonus of $200 for...
How can I log in to my Bank of America Cash Rewards account online?
3
UpvotesReply
Sebi Mitchell
To log in to your Bank of America® Customized Cash Rewards credit card account, go to the login page on the Bank of America website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign in” to access your online account. If you...
How can I get a Bank of America Cash Rewards virtual credit card?
3
UpvotesReply
Adam McCann
You cannot get a Bank of America Customized Cash Rewards credit card virtual credit card number through Bank of America. You can get a virtual card number for a Bank of America Customized Cash Rewards credit card through Click to Pay instead, though.
To enroll in Click to Pay...
Is Bank of America Cash Rewards credit card metal?
3
UpvotesReply
Maria Adams
The Bank of America® Customized Cash Rewards credit card is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Bank of America Customized Cash Rewards credit card and a metal credit card, though,...
How do I contact the Bank of America Cash Rewards Card reconsideration line?
3
UpvotesReply
Maria Adams
To contact the Bank of America Customized Cash Rewards credit card reconsideration line, call (800) 732-9194 and say your Social Security Number when prompted. You will the be connected to a live representative.
The Bank of America Customized Cash Rewards credit card reconsideration line is a way for denied...
Compare The Bank of America Customized Cash Rewards credit card
Purchase Intro APR0% for 18 billing cycles
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
Transfer Intro APR0% for 18 billing cycles for any balance transfers made in the first 60 days|Transfer Fee: 3% (min $10)
Transfer Intro APR0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Transfer Intro APR10.99% for 6 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Regular APR16.99% - 26.99% Variable
Regular APR17.99% - 26.74% (V)
Regular APR25.99% Variable
Rewards Rate1 - 3% Cash Back
Rewards Rate1.5 - 5% Cash Back
Rewards Rate1 - 2% Cash Back
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Bank of America Customized Cash Rewards credit card Reviews
Share your insights and review the Bank of America® Customized Cash Rewards credit card
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5 Star Rating
I LOVE THIS CARD! it makes me want to shop more and do more with the incentive of getting cash back, which ALWAYS comes in handy! since i recently moved into a huge house that needed a LOT of things, having the card made it exceptionally easy not only to decorate, but knowing that i would get cash back later that i could use to pay part of the bill was very exciting to me. i havent had the card that long, but so far i have gotten over $100 in cash back (which means that yes, i tend to shop a great deal lol). you simply cant go wrong with this card. another thing that i like about it is the fact that after 3 months, BOFA just gives you a $100 bonus, which im SO looking foward to!
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4 Star Rating
Bank Americard Cash Rewards is a great rewards card to have in your wallet. It offers 3% cash back on gas, 2% on groceries and 1% on general purchases. The gas and grocery rewards are excellent, although I use other cards for general spending. In addition to the cash back rewards, you get an extra 10% by depositing the cash back into a Bank of America checking account. Bank Americard Cash Rewards has no annual fee.
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4 Star Rating
It provides nice cash rewards overall. It's the one I usually use for gas and purchase from major grocery stores. It has no annual fees which is nice. I also like that I get an additional 10% on top of my rewards when depositing it in my Bank of America account. Cashing the rewards is fairly easy and quick. One thing I don't like is the new security chip. I've been having problems swiping it in some places.
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3 Star Rating
This was my first credit card just because I was already a customer with Bank of America. It's a decent card and is accepted most places. The cash back options are average but at least you can build them up and put them towards your bill. It is easy to pay off online, by phone, or through the mobile app.
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4 Star Rating
The Bank of America Cash Reward card seems like an awesome card, at least compared to my Citi Card where you earn "easy points" that have very little value. To earn cash back for groceries, fuel, and other purchases would encourage me to use this card for every daily purchase. After reading the terms I am considering switching to this card.
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5 Star Rating
with the Bank of America cash reward card I earned over 150.00 in 3 months and I love the fact that I get 3 percent cash back in gas because I use over 300 in gas. I love that it doesn't change the percentage at all.
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3 Star Rating
This card is ok, but not great based on my opinion. I did like the two percent cash back on groceries and the three percent cash back on fuel. I always made my monthly payments on or ahead of time. I was out of work for a short period of time due to personal matters. I explained to them what was going on, but still made a couple Partial payments. I was charge high interest rates that made it hard for me to get catchup on my payments. I really disagree with the cashback interest rates.
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2 Star Rating
I liked it at first. But when I fell behind on payments the interest kept killing me. I got deeply in debt and tried to cancel. They said they couldn't cancel until my payments were current. My interest kept going up and I ended up in collections.
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4 Star Rating
I have this card for about five months and I pretty much had a salt and sweet taste to it. The thing that I really loved about this Bank of America Card was that it had higher cash back reward than most other credit cards in the market currently. The thing that really hate about this card is its online interface. The website is just pure madness so don't even get me stared on the login which is more confusing than learning how to fly a helicopter. Overall besides its ups and downs I really loved this card.
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5 Star Rating
The cash back offered with this card is much higher than most cards I have had before. The 2% for groceries and 3% for gas cash back amount is a very attractive offer that this card has. Also, the $100.00 bonus upon using your card, and the 0% for 12 months make this card a wonderful credit card. I would definitely recommend this card to anyone.
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Offer last updated: Oct 25th, 2022 at 12:27 ET