The Bank of America Customized Cash Rewards 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 17.49%–27.49% variable after a 0% introductory rate for 15 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: $200 for spending $1,000 in the first 90 days. Rewards: ○ 6% cashback in a selected category for the first year (e.g., dining, gas, travel, etc.) ○ 2% cashback at grocery stores and wholesale clubs (up to a combined $2,500 per quarter in those categories) ○ After year one, earns 3% in chosen category, 2% at grocery/wholesale clubs, and 1% on everything e. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. 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.. Great for combining strong rewards with a solid 0% APR window—ideal for strategic spenders who want both. Bank of America Unlimited Cash Rewards Credit Card. BT Fee: 3% during the intro window; 4% thereafter. Post-intro APR: 18.24%–28.24% variable