Bank of America
Customized Cash Rewards
Filed as “Bank of America Customized Cash Rewards”.
- APR for purchasesIntroductory rate shown first.
- 0% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsAll applicants17.49%–28.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsNo credit score25.74% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsCredit score 619 or less27.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsCredit scores from 620 to 71926.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsCredit score of 720 or greater21.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards
- APR for balance transfers
- 0% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards
- APR for cash advances
- 27.74%–29.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards
- Penalty APRCharged after a late or returned payment.
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- Paying interestThe grace period on new purchases.
- 25 days from the close of each billing cycleConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards
- Transaction fees
- Cash advance5% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsBalance transfer4% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsForeign transaction3% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards
- Penalty fees
- First late fee$29Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsRepeat late fee within six billing cycles$40Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsReturned payment—
- Other fees
- Monthly Custom Pay Plan Fee$0Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewardsPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards
- Balance transfer termsHow long a transfer may be requested for, and how much may be moved.
- Grace period on transfersNoConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-customized-cash-rewards · captured 2026-09-06