The Bank of America Customized Cash Rewards Good Credit is a personal credit card from Bank of America Customized Cash Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 13.99%-23.99% after a 0% for 15 billing cycles introductory rate for 15 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.. Rewards: 3% cash back in your choice category, 2% at grocery stores and wholesale clubs, 1% on all other purchases. Cash back: 3%. Typical credit limit: $1,000-$30,000. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card..