Bank of America® Customized Cash Rewards
Bank of America determines account eligibility, approval, and bonus qualification. Terms may change. Verify the latest terms on the official website before applying.
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Verification ledgerOffer terms at a glanceDeposit, spending, fee, deadline, and eligibility details
We separate the headline from the conditions required to earn it.
- Product name
- Bank of America® Customized Cash Rewards
- Financial institution
- Bank of America
- Offer type
- Credit card welcome bonus
- Current bonus
- $200 online cash rewards bonus
- Required deposit or spending
- Make at least $1,000 in purchases within the first 90 days after account opening through the public online offer.
- Direct deposit requirement
- Not applicable.
- Minimum balance
- Not applicable.
- Monthly or annual fee
- $0 annual fee
- How to waive the fee
- Not applicable.
- Eligible states / geographic restrictions
- U.S. online consumer credit-card offer subject to Bank of America approval.
- Offer deadline
- Unknown; no calendar expiration is published on the official product page.
- Estimated payout timing
- Unknown; the public page does not state a precise welcome-bonus fulfillment period.
- Early closure considerations
- Keep the account open and eligible through fulfillment; review the card and rewards terms before closing.
- Credit inquiry information
- Application is subject to Bank of America credit approval; review application disclosures before submitting.
- Applicants who can meet $1,000 through planned purchases without carrying a balance.
- People who value choosing an ongoing cash-back category.
- People who would spend beyond their normal budget to qualify.
- Applicants seeking a published welcome-bonus payment date.
What the headline leaves out
The welcome bonus is $200 with no annual fee. Interest and unplanned purchases can reduce or erase the value.
How this offer differs
Compared with U.S. Bank Cash+, this card requires the same $1,000 spending but offers a $50 smaller welcome bonus; ongoing category rewards differ.
- 01The $200 offer is specifically an online offer.
- 02Approval is determined by Bank of America.
- 03No calendar expiration or precise payout timeline is published.
- 04Terms may change before application.
This record currently uses an official, non-affiliate link. BonusMetric does not claim a partnership with Bank of America and does not receive compensation for this link. Read our full disclosure.
Frequently asked questions
What spending is required?
The current public online offer requires at least $1,000 in purchases within the first 90 days.
Does the card have an annual fee?
No. The official product page lists a $0 annual fee.