Bank of America® Customized Cash Rewards for Students
The Bank of America® Customized Cash Rewards for Students from Bank of America earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Bank of America Customized Cash Rewards for Students earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Bank of America Customized Cash Rewards for Students reward caps and conditions?
The Bank of America Customized Cash Rewards for Students has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Automatic 2% cash back at grocery stores and wholesale clubs. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. Capped at $2500 per quarter.
- Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. Capped at $2500 per quarter.
Who should get the Bank of America Customized Cash Rewards for Students?
The Bank of America Customized Cash Rewards for Students fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Bank of America Customized Cash Rewards for Students fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
Does the Bank of America Customized Cash Rewards for Students have an annual fee, and what's the welcome bonus?
The Bank of America Customized Cash Rewards for Students has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
What benefits come with the Bank of America Customized Cash Rewards for Students?
The Bank of America Customized Cash Rewards for Students includes FICO® Score in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- FICO® Score
You can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Opt-in to receive your score, the key factors affecting your score, and other information that can help you keep your credit healthy.
Common questions about the Bank of America Customized Cash Rewards for Students
Does the Bank of America Customized Cash Rewards for Students have an annual fee?
The Bank of America Customized Cash Rewards for Students carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Bank of America Customized Cash Rewards for Students?
Dining is the strongest Madeen category for the Bank of America Customized Cash Rewards for Students at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Bank of America Customized Cash Rewards for Students charge foreign transaction fees?
The Bank of America Customized Cash Rewards for Students charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Bank of America Customized Cash Rewards for Students welcome bonus?
The Bank of America Customized Cash Rewards for Students welcome offer in our snapshot: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Bank of America Customized Cash Rewards for Students?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the Bank of America Customized Cash Rewards for Students. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Bank of America Customized Cash Rewards for Students?
Rewards on the Bank of America Customized Cash Rewards for Students post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Bank of America Customized Cash Rewards for Students compare to similar cards?
Compare the Bank of America Customized Cash Rewards for Students against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); MLB™ (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bank of America Customized Cash Rewards for Students This card | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
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