Customized Cash Rewards: Maximize Your Cashback
If you’re looking for a flexible cashback option, Customized Cash Rewards could be the perfect fit.
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With customizable categories and generous rewards, it adapts to your spending habits.
This card offers an excellent way to earn cashback without sacrificing flexibility.
Whether you frequently spend on groceries, gas, dining, or online shopping, you can tailor your rewards to match your lifestyle.
But what truly sets the Customized Cash Rewards apart? Let’s dive into its benefits, fees, and why it might be the right choice for you.
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Why Choose the Customized Cash Rewards?
Many credit cards offer cashback, but not all provide the same level of personalization.
The Customized Cash Rewards stands out for several reasons:
- Customizable Rewards: You can select your top cashback category, adjusting as needed.
- No Annual Fee: Unlike some rewards cards, you won’t pay a yearly fee.
- Bonus Offers: New cardholders can qualify for an introductory cashback bonus.
- Preferred Rewards Program: Earn even more if you’re a Bank of America Preferred Rewards member.
Key Benefits of the Customized Cash Rewards
This card is designed for those who want control over how they earn rewards. Here’s what you can expect:
- 3% Cashback in Your Chosen Category – Pick from gas, online shopping, dining, travel, drug stores, or home improvement/furnishings.
- 2% Cashback at Grocery Stores and Wholesale Clubs – Great for essential spending.
- 1% Cashback on All Other Purchases – Earn rewards on everything else you buy.
- $200 Online Cash Rewards Bonus – Earnable after spending a set amount within the first 90 days.
- 0% Introductory APR – On purchases and balance transfers for a limited time.
How Do the Cashback Categories Work?
A standout feature of the Customized Cash Rewards is its ability to let you choose your highest-earning cashback category. Here’s how it works:
- Every month, you can select which category earns 3% cashback.
- You’ll automatically earn 2% cashback on groceries and wholesale clubs, with a combined spending cap for these categories.
- Everything else earns 1% cashback with no limit.
This flexibility ensures that you’re always maximizing your rewards based on your current spending habits.
Fees and Costs to Consider
While the Customized Cash Rewards offers great perks, it’s essential to understand the associated fees:
- No Annual Fee – You won’t have to worry about an extra cost to keep the card.
- 0% Intro APR – For the first 15 billing cycles on purchases and balance transfers (then variable APR applies).
- Foreign Transaction Fees – Charges 3% on international purchases, making it less ideal for travelers.
- Balance Transfer Fee – 3% or $10 minimum per transfer.
Is the Customized Cash Rewards Worth It?
If you want a cashback card that lets you adapt your rewards to your lifestyle, this is a strong contender.
Its lack of an annual fee, competitive cashback rates, and bonus offer make it an attractive choice for many consumers.
However, if you frequently travel abroad, the foreign transaction fees could be a downside.
But for everyday spending in the U.S., it’s one of the most flexible cashback cards available.
Final Thoughts
The Customized Cash Rewards is a fantastic choice for those who want to control their cashback rewards.
With its customizable categories, generous bonuses, and no annual fee, it provides an excellent way to maximize everyday spending.
If flexibility and rewards are your priorities, this card is worth considering.
