Customized Cash
Bank of America
Customized Cash
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 25
Current $200 vs typical $200
Net value after annual fee: ~$200
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Customized Cash
Welcome Offer
Earn a $200 bonus after spending $1,000 in the first 90 days.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bank of America 2/3/4 rule
Bank of America is observed to limit personal card approvals to 2 in 2 months, 3 in 12 months, and 4 in 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
3% in choice category (gas, online shopping, dining, travel, drug stores, or home improvement)
2% at grocery stores and wholesale clubs
1% on everything else
3%/2% on first $2,500/quarter combined, then 1%
Key benefits
3% cash back in your choice category (from 6 options)
3% cash back in your choice category (from 6 options)
2% at grocery stores and wholesale clubs
2% at grocery stores and wholesale clubs
1% on all other purchases
1% on all other purchases
Change your 3% category monthly
Change your 3% category monthly
No annual fee
No annual fee
Perks
Up to 75% more rewards with Preferred Rewards
Up to 75% more rewards with Preferred Rewards
0% intro APR for 15 billing cycles
0% intro APR for 15 billing cycles
Cash back doesn't expire
Cash back doesn't expire
Good fit for
About this card
The Bank of America Customized Cash is a cash back card with no annual fee. New cardholders can earn 200 cash after spending $1,000 in 90 days.
Best for
credit card beginners, anyone wanting simple cash back
Key considerations
No annual fee makes this easy to keep long-term.
Card analysis
Offer analysis
The current offer on the Customized Cash awards 200 cash after spending $1,000 within 90 days of account opening.
Annual fee value
The Customized Cash has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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