Bank of America Customized Cash Rewards Credit Card for Students Review

Why work harder when you can bank smarter? Select where you'd like to earn those fantastic cash back rates!

Why compromise when you can enjoy it all? Bank of America has your back with its Customized Cash Rewards credit card for students, and let me tell you, it’s a game-changer! No annual fees, just pure simplicity and top-notch rates.

With this gem, you’re in control! Take your pick from a range of bonus rewards categories including gas, online shopping, dining, travel, drug stores, or home improvements and furnishings. Plus, enjoy unlimited 1% cash back on all other purchases, and there’s even a delightful welcome bonus awaiting you. And if you’re already part of Team Bank of America, this card just got even better! It’s unquestionably one of the finest options out there, wouldn’t you agree?

CREDIT CARD

Bank of America Customized Cash Rewards for Students

FICO Score No annual fee

Start building a successful financial future today:

Watch an ad to apply for your card You will be redirected

Customized Cash Back

Get ready to elevate your cash back game with the Bank of America Customized Cash Rewards Credit Card! Starting strong with a solid 3% cash back on gas, but brace yourself because here’s where the excitement kicks in: you wield the power to tailor your rewards every month, right at your fingertips through the online portal or mobile app.

Now, let’s dive into the options. Take that 3% cash back and redirect it to whatever tickles your fancy, whether it’s indulging in online shopping sprees with giants like Amazon, Best Buy, or Apple, treating yourself to dining delights, jet-setting with travel perks, stocking up on essentials at drugstores, or enhancing your living space with home improvement and furnishings.

But hold on, there’s more! Enjoy a generous 2% cash back on grocery store and wholesale club purchases for the first $2,500 spent each quarter, and a delightful 1% back on all other purchases. That’s what I call cash back tailored to suit your lifestyle!

Redeeming Rewards

Take your rewards game to new heights! With the Bank of America Customized Cash Rewards Credit Card, not only can you align your rewards with your spending habits, but redeeming them is a breeze! It’s simple, hassle-free, and guess what? You can even establish automatic redemptions for maximum convenience. How awesome is that? So, go ahead, cash in those rewards as:

• Statement credit
• Direct deposit into an eligible Bank of America account
• Credit to an eligible account with Merrill
• Check, with minimum redemption of $25
• Contribution to a 529 account with Merrill, with minimum redemption of $25

Even if you opt for automatic redemptions to a Bank of America or Merrill account, rest assured, your rewards will never expire. So, go ahead and accumulate those perks worry-free!

Bank of America Customized Cash Rewards Credit Card benefits

Bonus after approval

While numerous cards boasting high cash back rates often overlook the welcome bonus, the Bank of America Customized Cash Rewards Credit Card is here to enhance your earnings and streamline your experience.

New cardholders receive a $200 cash back bonus after spending just $1,000 within the initial 90 days of account opening, which can be redeemed as a statement credit or deposited directly into your pocket. Moreover, utilizing it for your customized purchases makes meeting the welcome offer requirement a breeze.

$0 Annual Fee

While many rewards cards impose annual fees to offset the costs of providing cash back, points, and miles, the Bank of America Customized Cash Rewards recognizes that these fees can be burdensome. That’s why this credit card comes with no annual fee, granting you the freedom to use it as you wish.

Introductory APR promotion

The introductory APR on balance transfers offered by this credit card is exceptionally competitive and stands out among its peers. You’ll benefit from a 0% introductory APR on both balance transfers and purchases made within the first 60 days for the initial 15 billing cycles after opening your account. Whether you have existing debt or intend to make new purchases, the Bank of America Customized Cash Rewards Credit Card can assist you in saving money on interest. After all, sometimes it’s not just about the rewards.

Loyalty bonuses

Maximize your earnings with loyalty bonuses, amplifying your Bank of America credit card rewards by 25% to 75%, alongside other enticing perks. Merge balances across Bank of America or Merrill accounts to witness your rewards flourish.

Stay Protected

You can rest assured that if your card is lost, stolen, or subject to fraudulent use, Visa’s robust security measures safeguard your account, providing protection for purchases and preventing unauthorized charges.

Overdraft protection

Say goodbye to declined purchases, returned checks, or overdrafts by utilizing this credit card as overdraft protection when linked to a Bank of America checking account.

Digital Wallet Availability

With compatibility with Google Pay, Apple Pay, and Samsung Pay, making payments has never been easier. Say goodbye to the hassle of carrying your wallet everywhere you go!

Museums On Us

For more than two decades, Bank of America credit and debit cards have provided complimentary general admission to over 225 cultural institutions during the first weekend of every month. Simply present your Bank of America card along with a valid photo ID for free entry.

Who can apply?

Ready to elevate your financial game? The Bank of America Customized Cash Rewards Credit Card could be your golden ticket! With a required credit score of at least 690, if you’re 18 years or older and reside in the U.S., this card is within your reach. Don’t wait any longer—seize the opportunity to unlock a world of tailored rewards and perks! Apply now and embark on a journey towards financial freedom and excitement!

How to apply?

Applying for a Bank of America Customized Cash Rewards Credit Card is easier than you think:

1. Go to the Bank of America website and look for Bank of America Customized Cash Rewards Credit Card for students
2. Click on Apply Now
3. Read Terms and Conditions
4. Fill your personal and financial details
5. Submit your application

Frequently asked questions

Can I manage my Bank of America credit card account from almost anywhere?

Yes, whether you use online or mobile banking, you can access your account wherever you are..

Do I need to pay to enroll in the Rewards program?

Believe it or not, signing up is totally free and you don’t need to purchase anything.

How can I increase my credit limit?

If you are eligible, you can request a credit limit increase online, on the other hand, you can do it by calling the number located on the back of your credit card.

What is the credit limit on Bank of America Customized Cash Rewards Credit Cards for students?

Your credit limit will likely be based on your creditworthiness.

CREDIT CARD

Bank of America Customized Cash Rewards for Students

FICO Score No annual fee

Start building a successful financial future today:

Watch an ad to apply for your card You will be redirected