How to Apply for a Bank of America Cash Rewards Credit Card

Are you a frequent shopper who wants to get cash back each time you go on shopping? Do you value a credit card that offers a great welcome bonus and introductory APR offers? If you're one of the people who do, the Bank of America Cash Rewards Credit Card is a great credit card for you.

The Bank of America Customized Cash Rewards Credit Card is designed to give you rewards by spending on eligible purchases. With this credit card, you get tons of rewards, travel benefits, and bonus offers as well.

Interested in getting the card? Check out the article below to find out how to apply for a Bank of America Customized Cash Rewards Credit Card today.

Welcome Offer and Other Features

The Bank of America Customized Cash Rewards Credit Card offers a very generous welcome offer. When you use the card and charge up to $1,000 in the first 90 days, you'll immediately get $200 as a reward.

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The card features no annual fee which helps you save even more money. Cardholders can enjoy an introductory 0% APR offer of up to 18 months which allows you to make major purchases.

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This lets you achieve a welcome offer even faster thus giving you more rewards to enjoy. You'll also receive zero percent on balance transfers as part of the introductory offer which runs up to the first 60 days of account opening.

Having the Bank of America Customized Cash Rewards Credit Card also lets you enroll for the Preferred Rewards program which lets you earn even more rewards than ever before.

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Is the Bank of America Customized Cash Rewards Credit Card for You?

With all the bonus features and the rewards you get from getting the Bank of America Customized Cash Rewards Credit Card in the first 90 days of opening the account, you might be wondering if the card is really for you.

Those who want to spend on day-to-day transactions and want to receive rewards will certainly love this card. The excellent premium rewards and the zero annual fees make it a very interesting card for many cardholders out there.

A typical cardholder will make the most out of the card which is well-suited for everyday use.

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Earning Rewards and Redeeming Them

The Bank of America Customized Cash Rewards Credit Card lets you earn 3% cash back on gas, dining, travel, online shopping, and even home improvement purchases.

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A 2% cash back can also be earned with eligible grocery purchases and 1% on all other transactions. While this is already a good deal for many cardholders, you can upgrade the rewards rate by enrolling to become a Preferred Rewards member. You get to earn 25% to 75% more cash back on every transaction depending on your membership tier.

Once you have enough cash back, you can then use your rewards at any time as a statement credit to pay for your monthly bill or direct deposits to your account so you can use them in other transactions. You only need to earn a minimum of $25 in cash rewards to redeem the rewards.

Interest Fees and Other Charges

The Bank of America Customized Cash Rewards Credit Card has an introductory zero percent APR period for 18 billing cycles on both purchases and balance transfers.

After that, it will revert to a regular APR of 17.74% to 27.74% depending on your creditworthiness. The balance transfer fee is 3% of the total amount of each transaction while the foreign purchase transaction fee is also at 3%.

The cash advance fee depends on your terms so it is best that you check it with the provider when you apply.

Eligibility Requirements You Need to Know

If you're planning on applying for the Bank of America Customized Cash Rewards Credit Card, hold on for a minute and learn the eligibility requirements for the card.

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Applicants will need to have a good to excellent credit score ranging from 670 to 850 to apply. You must also be 18 years old and above and must reside in the US.

You are only allowed to apply for the card if you have an income and if you can present several documents such as your Social Security Number, tax returns, pay slips, and others that are required during the application.

Bank of America Address and Contact Information

If you have further inquiries, you can always contact the Bank of America customer service line at 800-732-9194 or 1-757-677-4701 for calls outside of the country. Take note that phone roaming charges are applied during international calls.

You can also visit their main office at Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255.

How to Apply for a Bank of America Customized Cash Rewards Credit Card

To apply for this card, head over to the Bank of America official website and select the card of your choice. Click on Apply Now and it will take you to another window where you can fill up the application form.

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Provide all the necessary details including your personal information, address details, employment history, and many others. Review the details as well as the terms and conditions before you apply.

Wait for their confirmation that you have been approved for the card. Once received, you will also learn your credit limit and further instructions on when you'll receive the card and how to activate it.

Alternative Way to Apply

While applying online is the best and fastest way to get approved for the card, you can also visit your local Bank of America branch to apply.

Schedule an appointment and bring all the required documents when you visit the branch. Fill up the application form and submit all documents. You'll also find out if you've been approved after your application.

Conclusion

Overall, the Bank of America Customized Cash Rewards Credit Card is a great choice for those who are looking to get the most out of their credit cards through cash-back rewards and other benefits. Visit the Bank of America website today to learn more and apply for the card!

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.

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