The BOA Customized Cash Rewards Card gives you control over where you earn the most cash back.
You can choose your 3% bonus category —such as travel or gas —based on your spending habits.
This article explains how the card works and helps you decide if it’s the best option for your travel and fuel expenses.
Overview of the Card
The BOA Customized Cash Rewards Credit Card gives you flexible cash-back options that fit your spending.
You can pick where you want to earn more and change it anytime. Below are its main features, each with a short description.
- 3% Cash Back: Choose one category — travel, gas, online shopping, dining, drugstores, or home improvement — to earn 3% cash back on purchases.
- 2% Cash Back: Earn rewards automatically on groceries and wholesale clubs, making it ideal for weekly food or household spending.
- 1% Cash Back: Applies to all other purchases, so you earn cash back on every transaction.
- $2,500 Cap: The 3% and 2% bonus rates apply to the first $2,500 in combined purchases each quarter, then drop to 1%.
- Monthly Change: You can switch your 3% category once per month through online or mobile banking to match your spending needs.
- No Annual Fee: Keep the card long-term without paying extra costs, perfect for everyday use.
- Fraud Protection: Detects and blocks unauthorized or suspicious transactions to keep your account safe.
- Mobile App: Track rewards, view statements, and make payments anytime through the Bank of America mobile app.
Travel & Gas Categories Explained
The BOA Customized Cash Rewards Card lets you pick either Travel or Gas as your 3% category.
Each option fits different spending habits and helps you earn more from your daily expenses. Here’s how each one works.
- Travel Category: Earn 3% cash back on bookings like flights, hotels, car rentals, and vacation packages.
- Eligible Purchases: Includes spending through airlines, travel agencies, and hotel chains.
- Best For: Frequent travelers who often pay for trips or business travel.
- Bonus Tip: Combine with Preferred Rewards for up to 75% more cash back on travel.
- Gas Category: Earn 3% cash back on fuel and EV charging station purchases.
- Eligible Purchases: Applies at major fuel stations and charging networks.
- Best For: Commuters or drivers with regular fuel expenses.
- Bonus Tip: Using the card for road trips can maximize quarterly rewards.
Maximizing Travel Cash-Back
If you choose Travel as your 3% category, you can boost your rewards by planning purchases wisely.
Here are simple ways to maximize your travel cash-back with the BOA Customized Cash Rewards Card.
- Book Directly: Pay for flights, hotels, and car rentals directly with your card to ensure the 3% rate applies.
- Use Preferred Rewards: Join BOA Preferred Rewards to earn 25%–75% more cash back on every purchase.
- Plan Big Purchases: Time larger travel bookings within the $2,500 quarterly cap for maximum value.
- Pay for Group Trips: Use your card for family or group travel bookings to boost total rewards.
- Redeem Wisely: Cash back can be applied to travel expenses, statement credits, or savings transfers.
- Track Spending: Use the BOA mobile app to monitor travel expenses and bonus progress.
Maximizing Gas Cash-Back
If you choose Travel as your 3% category, you can boost your rewards by planning purchases wisely.
Here are simple ways to maximize your travel cash-back with the BOA Customized Cash Rewards Card.
- Book Directly: Pay for flights, hotels, and car rentals directly with your card to ensure the 3% rate applies.
- Use Preferred Rewards: Join BOA Preferred Rewards to earn 25%–75% more cash back on every purchase.
- Plan Big Purchases: Time larger travel bookings within the $2,500 quarterly cap for maximum value.
- Pay for Group Trips: Use your card for family or group travel bookings to boost total rewards.
- Redeem Wisely: Cash back can be applied to travel expenses, statement credits, or savings transfers.
- Track Spending: Use the BOA mobile app to monitor travel expenses and bonus progress.
Other Benefits & Fees
The BOA Customized Cash Rewards Card offers more than just cash-back perks.
It includes added benefits and simple fee terms that make it convenient and secure to use.
- No Annual Fee: Keep the card free year-round with no maintenance costs.
- Intro APR Offer: Enjoy 0% APR for the first 18 billing cycles on purchases and balance transfers.
- Regular APR: After the intro period, rates range from 18.24% to 28.24% variable, depending on credit.
- Balance Transfer Fee: Pay 3% (minimum $10) per transfer during the intro offer.
- Foreign Transaction Fee: Charged 3% per transaction made outside the U.S.
- Fraud Protection: Covers unauthorized charges and adds security alerts.
- FICO Score Access: Check your credit score for free through online banking.
- Mobile & Online Access: Manage payments and rewards via the BOA mobile app.
- Preferred Rewards Bonus: Members can earn 25%–75% more cash back depending on tier.
- Customer Support: Get 24/7 help at 800-732-9194 for card inquiries.
Who Should Get This Card
Here’s a quick guide on who should get the Bank of America Customized Cash Rewards Credit Card.
- Frequent Travelers: Earn 3% cash back when selecting Travel as your bonus category.
- Regular Drivers: Get 3% cash back on Gas & EV Charging for daily commutes.
- Smart Shoppers: Enjoy 2% back at grocery stores and wholesale clubs.
- Budget Savers: Keep the card long-term with no annual fee.
- Reward Maximizers: Switch your 3% category monthly to match spending habits.
- BOA Members: Boost rewards up to 75% more through Preferred Rewards status.
- Moderate Spenders: Best if you stay within the $2,500 quarterly cap.
Who Might Skip This Card
Here are the typical profiles of who might skip the card, helping you decide if it’s not the best fit for your needs.
- Heavy Spenders: The $2,500 limit may restrict total rewards.
- International Travelers: Pay a 3% foreign fee on overseas purchases.
- Set-and-Forget Users: Manual category switching may feel inconvenient.
- Luxury Travelers: Lacks travel insurance or airport lounge perks
How to Apply
Applying for the BOA Customized Cash Rewards Card is simple and can be done online in minutes.
Make sure your personal and financial details are ready before starting. Follow these easy steps.
- Go to the Official Website: Visit the Bank of America credit cards page and select the Customized Cash Rewards Card.
- Click “Apply Now”: Start your application directly on the BOA website.
- Enter Personal Information: Provide your name, address, Social Security number, income, and employment details.
- Review Credit Score: A good to excellent credit score (typically 700+) improves your approval chances.
- Choose Your Category: Pick your initial 3% cash-back category —like Travel or Gas — during the process.
- Submit Application: Review all details and submit; most applicants get an instant decision.
- Set Up Online Banking: After approval, create or log in to your Bank of America online account or mobile app to manage it.
- Activate Your Card: Call 800-276-9939 or activate online before use.
Contact Information
You can reach Bank of America for help with your Customized Cash Rewards Card through these verified phone numbers.
Each line connects you to official support services.
- Customer Service: 800-732-9194
- Card Activation: 800-276-9939
- International Calls: +1-302-738-5719
Final Takeaway
The BOA Customized Cash Rewards Card gives you flexibility, solid cash-back options, and reliable banking support.
It’s a smart choice if you want control over where you earn the most, especially for travel or gas spending.
Review your spending habits today and apply through the official Bank of America website to start earning rewards that fit your lifestyle.
Disclaimer
Information about the BOA Customized Cash Rewards Card may change based on Bank of America’s latest terms and promotions.
Always review the official Bank of America credit card page for the most accurate, up-to-date details before applying.
