Bank of America Customized Cash Rewards 0% APR & payoff plan.
The Bank of America® Customized Cash Rewards Credit Card offers a variety of benefits including: 6% cash back in a chosen category for the first year, a $200 online cash rewards bonus after $1,000 in purchases within the first 90 days, and 3% cash back at grocery stores. There is no annual fee, and a low introductory APR of 0% for the first 15 billing cycles is available. Rewards include flexibility in redemption options and additional benefits like fraud protection and online banking features. Standard APR ranges from 17.49% to 27.49% after the introductory period.
Terms last verified Jun 26, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- 0% for 15 billing cycles
- 0% on transfers
- 0% for 15 billing cycles
- Balance transfer fee
- 3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 5%.
- Regular APR
- 17.49% - 27.49% variable
- Annual fee
- $0
- Issuer
- Bank of America
- Category
- Cash Back
Promo APR details
Enjoy a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. Balance transfers must be made within 60 days for the 0% APR offer.
Payoff strategy
Anchor the payoff schedule on the promo end date Cardinate calculates from your statement — not on a rough month count.
When this card makes sense
The Bank of America Customized Cash Rewards is most useful when the offer matches the job. If you are paying down existing debt, the 0% for 15 billing cycles 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 0% for 15 billing cycles 0% purchase window. After the promo ends, the 17.49% - 27.49% variable regular APR is expensive — so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.