bank of america customized cash rewards

You can also opt to redeem a minimum of $25 worth of rewards for a check, or as a contribution to a qualifying Merrill 529 account. WebMake my favorite Hawaiian Gardens. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. But there are a number of student credit cards for fair credit, as well as other cards for fair credit, which may be more appropriate for you while you establish your credit history. Here are a few ways in which you can redeem your Bank of America Customized Cash rewards: One of the best ways to maximize your Bank of America Customized Cash rewards is to become a Preferred Rewards member. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. The Bank of America Customized Cash Rewards cards regular APR is fairly low, plus it offers a long introductory period on balance transfers and new purchases, potentially sparing you a lot of interest in your first year of membership. 1.5% Unlimited Cash Rewards, for a total of 3.5% cash back) led to kind of a That means you can collect those as long as you want. As a result, all cash back rates of Bank of America Customized Cash Rewards are: 2% on grocery stores and wholesale clubs purchases; In addition, you can earn even more rewards. You earn a total of 2% cash back ATM. Read user reviews to learn about the pros and cons of this card and see if its right for Past performance is not indicative of future results. Citi's best cash-back cards each come with different requirements to earn rewards. Your credit cards journey is officially underway. Once you are a member of the Preferred Rewards program, you can keep your benefits for at least a year. $400 Cash: Huntington Bank Business Checking 100 $100 Cash: Huntington Business Premier Plus Money Market 3.10% (3.11% APY) guaranteed for 12 months: If you are a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. MORE: NerdWallets best credit cards for students, The Bank of America Customized Cash Rewards credit card for Students offers a broad range of student-friendly 3% cash-back categories to choose from.. To see all the locations near you please, Financial centers and ATMs near Hawaiian Gardens, CA, English, Spanish, Chinese, Korean, French, Russian, Portuguese. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This means that even if your combined balances fall, you will be eligible to keep your rewards. The (V) at the end stands for variable and means that the APR can change based on the Prime Rate. Unfortunately, youll be limited on how much you can earn with a $2,500 quarterly purchase limit on the 2 percent and 3 percent bonus categories (youll still earn 1 percent after you meet the cap). If you dont mind the work of tracking your spending to maximize the bonus opportunities, this card merits consideration. Something went wrong. The cards earning structure of 3% cash back in a category of choice: gas, online shopping, dining, travel, drug stores or home improvement/furnishings; 2% cash back at grocery stores and wholesale clubs; unlimited cash back on all other purchases. Programs, rates, terms and conditions are subject to change without notice. In J.D. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Cardholders can earn $200 online cash rewards for spending $1,000 in the first 90 days. All financial products, shopping products and services are presented without warranty. When you click on Or set up automatic contributions to eligible Bank of America or Merrill accounts whenever you accumulate $25 in cash back. Bank of America Customized Cash Rewards Secured Credit Card. Second, you can only earn the elevated cash-back rate on up to $2,500 in quarterly spending. Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Here's what to consider when choosing between them. The Bank of America Customized Cash Rewards card charges no annual fee and although it doesnt have many additional benefits, it does come with a few extras that can add value to the card, including an extended warranty for eligible purchases made entirely on your card, you can double the manufacturers warranty up to one extra year. One appealing feature of the Bank of America Customized Cash Rewards card is a flexible rewards rate that lets users choose their own bonus category. Editorial Note: This content is not provided by any entity covered in this article. Once youve racked up rewards with your Bank of America Customized Cash Rewards card, redeeming cash back is pretty simple. See the online credit card applications for details about the terms and conditions of an offer. With the Bank of America Customized Cash Rewards credit card for Students, youll earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. You need good credit to qualify for the Bank of America Customized Cash Rewards credit card for Students, which corresponds to a FICO score of at least 690. For starters, new cardholders can earn a modest sign-up bonus of There are no locations within 100 miles of your search. When you spend more, you have the chance of earning higher cash back. The minimum redemption is $25. Highlights. With this restriction in mind, we estimate the average earning rate on the Customized Cash Rewards card to be around 1.63 percent cash back. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Also, you dont need to worry if you dont spend these rewards as they have no expiration period. Powers 2020 customer satisfaction survey, the bank rated 812, ranking third out of 11 major banks. You get the benefit of setting direct deposits into your savings or checking accounts.

Are you sure you want to rest your choices? Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. No, Bank of America Customized Cash Rewards do not expire as long as your credit card is active and in use. Theres no minimum rewards amount to manually redeem cash back for Bank of America checking or savings account electronic deposits or a credit to an eligible Merrill Cash Management Account. Please try again later. You can choose a category that will bring you elevated cashback but still, you will earn 1% on every purchase you make with this credit card. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. But for those who want a simpler card to help rebuild their credit, look elsewhere. If you prefer that we do not use this information, you may opt out of online behavioral advertising. Hours vary at this location. University of Calcutta. There are no limits on how much you can earn from your Bank of America Customized Cash Rewards credit card. The Chase Freedom requires a bit more effort on behalf of the cardholder to earn significant rewards, but it can be very lucrative for savvy spenders. However, if you are looking for a way to pay down some debt without racking up interest but dont want to sacrifice rewards the Bank of America Cash card could be a good option. Editorial Note: We earn a commission from partner links on Forbes Advisor. If you are hoping to transfer a balance, you should also keep in mind that balance transfers are approved separately from your card application based on your available credit limit. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. There are no annual fees and users have the option of earning bonuses as well. You will initially receive a welcome bonus from Bank of America of a $200 online cash rewards Learn more about digital wallets. Automatic redemptions start as well at $25. That means one major purchase, like a laptop, can leave you stuck at 1% back for three months. Set up is easy - just add your Bank of America debit card to your digital wallet. 20,000 ThankYou points (worth $200 in cash back) after spending $750 on purchases in the first 3 months. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. This rewards structure may not result in as many rewards earned per year, but it will depend on your spending habits. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. To maximize your Bank of America Customized Cash rewards, you must pay attention to the 3% category of cash back. We strive to provide you with information about products and services you might find interesting and useful. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. The annual fee is $0. to maintain accurate information. Thanks to the Preferred Rewards program, if you keep an average of at least $50,000 across these accounts, you can boost your flat cash back rate to 2.25% back. The 3% back bonus categories to choose from are: You can change this category once each calendar month, and your selected category will remain the same from month to month, unless you change it. WebWith the Bank of America Customized Cash Rewards credit card for Students, youll earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the Bank of America Customized Cash Rewards card features. We know your time is valuable. If youre looking for a credit card with no balance transfer fee and well over a year of 0% APR, the merits your consideration. If you are a frequent traveler, the Bank of America Cash card is probably not the best choice for you. The minimum credit limit on a Bank of America Customized Cash Rewards credit card is around $1,000 but it can be much higher depending on your combined balances and creditworthiness. By providing your mobile number you are consenting to receive a text message. Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. No annual fee and no expiration on rewards. Add to that a sign-up bonus and a. annual fee, and youre looking at a solid option for students who are relatively new to using rewards cards. This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply. Unfortunately, the cards travel benefits are lacking, and it charges a 3 percent foreign transaction fee. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. However, we do receive compensation when you click on links to products from our partners. NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Online banking with only Summorningsnummer. Try to look for expenses that will fetch you the highest cash back. All ratings are determined solely by our editorial team. However, you must be careful about overspending. However, you still earn rewards for making other purchases, as the bank offers 1% cashback on each purchase. Terms and conditions apply. You can change it once each calendar month or make no change, and it stays the same. Here are a few of our most popular cash back alternatives: $200 online cash rewards if you spend $1,000 in first 90 days. Best rewards limited to certain customers. New longer intro period! But there are limits to how much extra cash back you can earn. These are provided as guidelines only and approval is not guaranteed. The Bank of America Customized Cash Rewards credit card for Students is essentially identical to the non-student version of the card, the Bank of America Customized Cash Rewards credit card. If you redeem your cash back for a statement credit, or a direct deposit into a Bank of America checking or savings account or eligible Merrill account, you can redeem any amount. Besides rewards, you will have an introductory APR of 0% for 18 billing cycles on purchases and balance transfers made within the first 60 days of opening your account. For those with the tolerance to track their spending on the card and select the most profitable bonus categories, this card is a lucrative option among secured cards. Your Bank of America Customized Cash Rewards Secured credit card can have a credit limit between $300 and $4,900. The Bank of America Customized Cash Rewards Secured Credit Card* offers high cash-back rates in useful categories and allows the cardholder to graduate to an unsecured card after review by Bank of America. This would result in $98.84 cash back. Learn more about our advertising policy. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their polices. Enter your debit card PIN on the ATM and start your transaction. Enroll in the Preferred Rewards program if you qualify to receive a higher reward rate. If you have a Preferred Rewards membership, then your rewards percentage will increase proportionately based on your tier. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. You can select how youd like to receive your rewards: You may also set up automatic redemptions to either a Bank of America or Merrill account, as long as those redemptions are worth at least $25. Bank of America Customized Cash Rewards credit card The best Bank of America credit card is the Bank of America Customized Cash Rewards credit card because it has a $0 annual fee and rewards users with 1 - 3% cash back on purchases. Bank of America Cash Rewards also has some great promotional offers, including a $200 bonus for spending Cardholders also have the option of setting up automatic redemptions into an eligible Bank of America or Merrill account. WebInterested in the Bank of America Customized Cash Rewards credit card for Students? The $0-annual-fee Discover it Student Cash Back earns 5% cash back on spending categories that rotate each quarter. The banks app also rates fairly well among users, rating 4.7 out of 5 in the Google Play Store and 4.8 out of 5 in the Apple App Store. The Petal 2 card does not charge foreign transaction fees, so it may be a better option for those who expect to make purchases abroad.

The Bank of America Customized Cash Rewards for Students credit card is a great way to build a credit history and establish sound credit habits. There's not a lot of innovation in credit cards these days, but the X1 Card claims to be different. Its limited rewards and redemption Information provided on Forbes Advisor is for educational purposes only. For example, when you purchase snacks from Target it will be tagged as a grocery purchase, and you will earn 2% on it. Make sure to update the 3% category if you think you have some big expenses coming up. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs. To change your choice category for Bank of America Customized Cash Rewards credit card for Students, 0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days, 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months. Our sample household would have $16,619 in additional expenses that can reasonably be charged to a credit card. Just keep in mind that there is a $2,500 combined purchase limit on 2 and 3 percent categories each quarter. You need to read those and submit your application. The Bank of America Customized Cash credit card offers a few other features worth mentioning. Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This allows you to maximize your Bank of America Customized Cash Rewards card earnings by switching categories based on your upcoming expenses. Set up is easy - just add your Bank of America debit card to your digital wallet. What was a card that you loved but ultimately, the Aside from costco, what are the most common situations Press J to jump to the feed. Were sorry we werent able to send you the download link. Commissions do not affect our editors' opinions or evaluations. However, statement credits, checks and contributions into a qualifying, You must have an active and eligible Bank of America checking account. Both are indirect subsidiaries of Bank of America Corporation.Insurance Products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation.Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. The program is designed to rewards users for everyday spending by offering cash back at a wide range of popular restaurants, clothing stores, gas stations and more. Check the data at the top of this page and the banks website for the most current information. Put $0 if you currently don't have a rent or mortgage payment. The Forbes Advisor editorial team is independent and objective. The maximum deposit is $5,000. However, you need good credit to qualify, which can be a roadblock for many students. You can earn cashback by simply paying for gas, and groceries, doing online shopping and making other eligible purchases. The redemption time depends on its type. It can be helpful to compare cards before deciding which one to apply for in order to make sure you choose Both cards require good credit or higher. After hitting that limit, youll earn 1% back on those purchases. For example, redemptions for an electronic deposit in an eligible account may take up to five business days; for statement credit - up to three days and for checks - up to 14 days. The Discover it Secured Credit Cards cash-back earning categories may not, however, be as beneficial for as many cardholders: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 12155 Carson St, Hawaiian Gardens, CA 90716. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Your email address unlocks your approval odds. The Bank of America Customized Cash Rewards Secured Credit Card* offers strong cash-back rewards in useful categories and doesnt charge an annual fee. It's not uncommon. Online shopping from EU, tax free, claiming VAT? However, all credit card information is presented without warranty. This is a great rewards rate, but the spend cap is relatively low. It is important to pay them in full and on time. The Bank of America Customized Cash Rewards credit card offers consumers a unique rewards earning strategy that allows them to choose the spending category they want to earn the most in each month. You will initially receive a welcome bonus from Bank of America of a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Were sorry, but something went wrong and we couldnt find your approval odds. For cardholders looking to maximize their rewards potential, Bank of America offers a card-linked offers program called BankAmeriDeals. CreditCards.com is an independent, advertising-supported comparison service. Well use this information to to verify your credit profile. To take advantage of one of these deals, you simply need to add them to your Bank of America Customized Cash Rewards card and use it to pay when you visit the merchant. Our opinions are our own. This credit card helps you to earn cash back and rewards for You can click the Return to Bank of America button now to return to the previous page or you can use the Back button on your browser after you leave. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%, Minimum deposit is $200, maximum is $5,000, As a direct deposit into an eligible Bank of America account, As a credit to an eligible account with Merrill of any amount, As a check, with minimum redemption of $25, As a contribution to a 529 account with Merrill, with minimum redemption of $25. These offers do not represent all available deposit, investment, loan or credit products. But there are a number of, , which may be more appropriate for you while you establish your credit history. Keep an eye on your inboxwell be sending over your first message soon. Suchetana has been a freelance writer for the last few years and has ghostwritten several books on finance. Also, the bank offers you to choose a category that will bring you increased cash back - 3%. You can take advantage of this offer when you apply now. However, you can also transfer rewards earned on the Chase Freedom to another Chase Ultimate Rewards card like the Chase Sapphire Reserve card which gets a 50 percent higher point value when redeemed for travel through the Ultimate Rewards portal. Read: If Your Credit Score is Under 740, Make These 4 Moves Now. This can include balances in your Bank of America deposit and/or Merrill investment accounts. While it can be a good option for moderate spenders looking to earn rewards on everyday purchases, it is not the best option for big spenders looking to maximize cash back. The Bank of America Customized Cash Rewards credit card for Students also offers a welcome bonus of $200 cash rewards bonus after making at least $1,000 in Bed Bath & Beyond Welcome Rewards Mastercard 2022 Review. She writes about personal finance, real estate, law, cryptocurrencies. The annual fee for the Bank of America Customized Cash Rewards credit card for Students is $0. Moreover, the Bank of America Customized Cash Rewards credit card offers you such perks as: Balance Connect for overdraft protection; Below you will see a summary of all benefits of Bank of America Customized Cash Rewards: However, there are still some drawbacks of the Bank of America Customized Cash Rewards credit card: Only limited customers will have an extra cashback; The Bank of America doesnt require you to visit their office and fill out any papers. Equal Housing Lender new window. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. You can change the 3% cash-back category once a month with the Bank of America Customized Cash Rewards credit card for Students. Its Quicksilver offering comes with simplified rewards and offers several perks. ATM accepts deposits and credit card payments. Please try again later. Also, rewards dont expire, so theres no rush to redeem your cash back in case you havent reached the $25 threshold. The ability to choose your own bonus category makes the card extremely customizable, especially because you can change your selection once each calendar month. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation.Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Your personal information and data are protected with 256-bit encryption. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Use your smartphone to withdraw cash, make deposits, check balances and more at our Cardless ATM. Plus, earn 2% - 10% cash back at select merchants. Students in search of a first credit card may be better off considering the Bank of America Customized Cash Rewards credit card for Students. Along with year-round cash back on Ultimate Rewards travel, dining and drugstore purchases, the card offers 5 percent cash back in rotating bonus categories that you activate each quarter (up to $1,500 in purchases per quarter, then 1 percent cash back). APR: 0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days, and then the ongoing APR of 17.74%-27.74% Variable APR. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. If you don't make a selection, the default 3% cash-back category will be set to gas. Based on the tier on which you fall, you have the chance of increasing your Bank of America Customized Cash rewards. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). How often can you change the cash rewards category?

When at the ATM:

The offers that appear on this site are from companies from which CreditCards.com receives compensation. The annual fee is, Once you spend $2,500 for the quarter in your 3% and 2% categories combined, youll earn just 1% cash back. Just be aware that youll have to be a student to be eligible to apply for the card.

, Learn more about mobile banking options and supported devices, Find a Merrill Financial Solutions Advisor, Merrill Lynch Wealth Management locations, Are Not Insured by Any Federal Government Agency, Are Not a Condition to Any Banking Service or Activity, Snap a photo to deposit a check, and get instant confirmation, Use your fingerprint or Face ID for quicker access on the go, Select your Bank of America debit card in your digital wallet, Hold your mobile device over the contactless reader. You can change your category each month, too, allowing you to line up the card with whatever you plan to buy in the near future. The Bank of America Customized Cash Rewards credit card is a card with significant bonus-earning opportunities. If you opt out, though, you may still receive generic advertising. It lacks a 3% cash-back category and limits the 2% cash-back category to lower quarterly spending. banking, economics and marketing. You must have an average combined balance of $20,000 in the last three months. Your Bank of America credit card will have a credit card network logo on the front either Visa or Mastercard and you can use your card at any merchant or service provider that accepts that network. That means you can use it just about anywhere. Sign-up Bonus Suppose you make the following purchases with your Bank of America Customized Cash Rewards credit card in a quarter: So, for that quarter you will be earning a total cashback of $56 which comes to 2.33% of the total expenses that you incurred on that card. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 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 WebThe Bank of America Customized Cash Rewards Credit Card is not your average cash-back credit card. Privacy Policy. This is one of the one of the best intro APR offers available for a cash back card. You have the chance of significantly increasing your Bank of America Customized Cash rewards when you open a checking or savings account with Bank of America, Member FDIC, or an investment account with Merrill. But to qualify, you must have a balance of at least $20,000 in an eligible Bank of America account. Contactless Cards - The security of a chip card, with the convenience of a tap. Note, if youre looking to get the biggest savings on a balance transfer offer, some cards allow you to transfer a balance without a balance transfer fee, possibly saving you hundreds of dollars. You dont want to pay an annual fee but still want a decent sign-up bonus and rewards rate. If youre looking for a low-maintenance alternative to the Customized Cash Rewards card and maintain a sizeable balance across your eligible Bank of America checking and savings or Merrill investment accounts, the Bank of America Unlimited Cash Rewards card may be your most lucrative flat-rate cash back card option. This credit card helps you to earn cash back and rewards for making a variety of transactions. Eligible bonus categories include transportation, travel, groceries, entertainment, dining, bills and utilities, health and beauty, and gas. Redeeming rewards with the Bank of America Customized Cash Rewards Secured Credit Card* is straightforward and easy. offers extra cash back on your choice of spending category, from a list of useful options. You have the option of redeeming the cashback that you earn as a part of the Bank of America Customized cash rewards. Each month, you have the option of changing your 3% choice category on the online banking portal or mobile banking app. However, true cash back enthusiasts are probably better off opting for a card that doesnt impose such steep restrictions on bonus category earning. Though were a fan of the credit unions other offerings, the is a just OK all-around card. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. All Right Reserved. Add to that a sign-up bonus and a $0 annual fee, and youre looking at a solid option for students who are relatively new to using rewards cards. The X1 credit 2022 GOBankingRates. If you have a Bank of America Customized Cash Rewards Credit Card, you can earn cash back in the following ways: To maximize your Bank of America Customized Cash Rewards, you must understand how you can take advantage of the various cash back options. But a $2,500 combined spending cap on bonus category rewards limits how much cardholders can earn. Please try again, or use your mobile device to get the app from its app store. Petal 2 Cash Back, No Fees Visa Credit Card. Many or all of the products featured here are from our partners who compensate us. Bank of America will not charge interest on purchases if the cardholder pays the full statement balance by the due date each month. Pay, NerdWallets best 0% APR and low-interest credit cards, For students who are new to building credit, this can be a hurdle. This may influence which products we write about and where and how the product appears on a page. The Bank of America Cash It offers a However, this does not influence our evaluations. To maximize your Bank of America customized cash rewards, you must know everything about the reward categories and some specific Does the Bank of America Customized Cash Rewards credit card for Students have an annual fee? You have Bank of America checking or savings account with a significant balance and can qualify for a Preferred Rewards boost. Learn how to choose the right one for you and how to maximize your rewards. That means you could earn 3.75%-5.25% cash back on purchases in your chosen category. Before you go, we want you to know we're only responsible for the content we post. What can you do with Bank of America Cash Rewards? Just because you want to max out your card limits, you should never spend more than you can afford. Reminder: If you have to spend more money to earn more Now I see why Priority Pass is not worth it. Eligible bonus categories include transportation, travel, groceries, entertainment, dining, bills and utilities, health and beauty, and gas. WebMaximize your cash back with categories that fit your needs. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. If you have some big purchases to make, this bonus offer will technically act as a $200 discount for you. On the other hand, when you buy the same snacks from a gas station, you have the chance of earning 3% cash back. Our partners compensate us. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Check the data at the top of this page and the bank's website for the most current information. You want a flexible rewards program that can shift as your spending does. The Capital One SavorOne Student Cash Rewards Credit Card earns an unlimited 3% cash back on dining, entertainment, purchases at grocery stores and popular streaming services. Other purchases earn 1% cash back. NerdWallet's ratings are determined by our editorial team. Find out here how much your Chase points are really worth. How do Bank of America customized cash rewards work? The card awards 3 percent cash back on a category of choice gas, online shopping, dining, travel, drug stores or home improvements and furnishings. With the, If youre planning on using your card to make a major purchase, you have a long time to make payments at 0% interest. This compensation comes from two main sources. $325, APR17.74% - 27.74% Variable APR on purchases and balance transfers. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Become a NerdWallet member, and well send you tailored articles we think youll love. You need to click the Apply Now button on that page, which will redirect you to the application page containing brief disclosures and the application itself. Amtrak Credit Card Perks That Help You Save Money on Travel, How To Use Your Chase Sapphire Reserve Travel Credit, 8 Best Rewards Credit Card Welcome Bonus Offers Right Now, Suchetana Bhattacharyea is a financial writer and has a masters degree in this field from the. That category can be changed every calendar month if you dont change it. As predicted, the "one day only Nov. 5" BofA additional 2% cash back (on top of e.g. Does Bank of America Customized Cash Rewards expire? This is a perfectly fine choice, but if your credit score is at least 690, you can qualify for other cards that may be more rewarding. Both cards require good credit or higher. There's no minimum spending or maximum rewards. WebInterested in the Bank of America Customized Cash Rewards credit card for Students? 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