The Best Credit Card for Balance Transfer and Rewards in 2025

published

1 month ago

August 4, 2025

Daniel Shelby

Bank of America® Customized Cash Rewards: Personalized Rewards Structure

For those who want to customize their rewards experience while paying down debt:

RD1

Balance Transfer Offer: 0% intro APR for 15 billing cycles
Rewards Structure: 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs, 1% on everything else
Annual Fee: $0
Why It Stands Out: The ability to change your 3% rewards category monthly based on your spending habits

The Bank of America® Customized Cash Rewards card provides flexibility for consumers whose spending patterns change throughout the year. Select your 3% category from options like online shopping, dining, travel, gas, or home improvement/furnishings, and adjust it up to once per month as your spending priorities shift.

Frequently Asked Questions about the Bank of America® Customized Cash Rewards Card

+ What is the main benefit of the Bank of America® Customized Cash Rewards Card? + Does the card have an annual fee? + How does the rewards structure work? + How long does the 0% APR on balance transfers last? + Why is the Bank of America® Customized Cash Rewards Card considered unique?

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The Best Credit Card for Balance Transfer and Rewards in 2025

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Daniel Shelby

Hey, I’m Daniel Shelby, and I’m here to help you tap into your true potential. Together, we’ll explore ways to unlock personal growth and self-awareness, so you can overcome obstacles and step into the best version of yourself.