9 tracked perks. Here's everything this card actually offers — structured and kept current.
Cardholders can view their FICO credit score for free through their online banking portal or mobile app, updated on a regular basis.
The Customized Cash Rewards card carries no annual fee, so cardholders are not charged a yearly maintenance fee for keeping the account open.
Cardholders are not held responsible for unauthorized transactions made with their card or account information, provided they report the fraud promptly.
Cardholders can optionally link the card to a Bank of America checking account as an overdraft protection source, allowing automatic transfers to cover overdrafts.
All purchases that do not fall into the elevated choice category or grocery/wholesale-club tiers earn a flat base cash-back rate with no spending cap.
Cardholders earn an automatic elevated cash-back rate at grocery stores and wholesale clubs. This applies up to the shared $2,500 quarterly cap with the chosen bonus category.
Cardholders choose one category each calendar month from a set of eligible options (e.g., online shopping, travel, dining, drug stores, home improvement/furnishings, gas) to earn an elevated cash-back rate. The elevated…
Bank of America Preferred Rewards members receive a percentage bonus on all cash back earned, ranging from 25% to 75% depending on their Preferred Rewards tier (Gold, Platinum, Platinum Honors, or Diamond/Diamond…
No Annual Fee
The full structured detail behind every perk — deductibles, coverage caps, reset windows, enrollment rules, confidence scores and the source citation — is available through the API.
See the API response shapeQuery this card and every other through one clean API — every field carries a confidence score, last-verified date and source.
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