Bank of America Customized Cash Rewards 0% APR & payoff plan.
A 0% APR for 15 billing cycles on purchases and on balance transfers made in the first 60 days, with no annual fee.
Terms last verified Oct 6, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- 15 billing cycles
- 0% on transfers
- 15 billing cycles
- Balance transfer fee
- 3% intro, then 5%
- Regular APR
- 17.74% to 27.74% variable
- Annual fee
- $0
- Issuer
- Bank of America
- Category
- Cash Back
Promo APR details
The 0% rate lasts for the first 15 statement closing dates, roughly 15 months. Balance transfers must be made within 60 days of opening; those cost 3%, later transfers 5%.
Payoff strategy
Move the balance in the first 60 days, then divide it by 15 and automate that payment so it lands at zero before the 16th statement.
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 15 billing cycles 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 15 billing cycles 0% purchase window. After the promo ends, the 17.74% to 27.74% 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.