BofA Customized Cash Rewards — Credit Limit, Score & Approval Odds (2026)
The BofA Customized Cash Rewards is a cash back card from BofA.
Based on 11 real reported applications, 64% were approved — median approved FICO 755, median starting limit $10k.
BofA Customized Cash Rewards credit limit
Typical starting limit — 7 reported approvals
$10k
Middle half of reported approvals: $4.8k–$13k. Highest reported $18k. BofA publishes a $1k – $25k range for the card. Your personal limit depends on your profile — calculate your odds and limit →
The lowest limit reported to us is $1,500 — and 2 of the 7 reported approvals started exactly there.
Credit score needed for the BofA Customized Cash Rewards
The issuer generally looks for a credit score of 660+. Approved applicants in our data had a median FICO around 755 (range 700–758).
BofA Customized Cash Rewards approval odds
Based on 11 real applications reported for the BofA Customized Cash Rewards, 64% were approved.
Approval rate
64%
11 reported apps
Approved
7
4 denied
Typical approved profile
755 FICO · 7% utilization · 1 recent inquiry — medians across 7 reported approvals. Lowest approved score on record: 700.
How the 4 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 670-85 pts vs approved
- Median utilization
- 26%+19 pts vs approved
Score is only part of it — utilization, recent inquiries and account age move the odds too.
Real reported BofA Customized Cash Rewards applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
BofA Customized Cash Rewards welcome bonus
Earn $200 after you spend $1,000 on purchases in the first 90 days from account opening.
BofA publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
BofA Customized Cash Rewards APR
The ongoing APR is 19.24%–29.24% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
BofA Customized Cash Rewards annual fee
The BofA Customized Cash Rewards annual fee is $0 — no yearly cost to keep the account open.
BofA Customized Cash Rewards requirements
- Suggested credit score
- 660+
- Min credit history
- 6 months
- Recommended utilization
- under 45%
- Recent hard inquiries
- up to ~5
- Credit limit range
- $1k – $25k
- Reports to
- Experian, TransUnion
BofA Customized Cash Rewards approval — FAQ
What credit score do you need for the BofA Customized Cash Rewards?
Approved applicants in our data had a median FICO around 755 (range 700–758). The issuer generally looks for 660+.
What is the credit limit for the BofA Customized Cash Rewards?
The BofA Customized Cash Rewards issues limits from $1k to $25k. Across 7 reported approvals the median starting limit was $10k, typically $4.8k–$13k.
How to get approved for the BofA Customized Cash Rewards?
Aim for a credit score around 660+, keep utilization under 45%, keep recent hard inquiries to about 5 or fewer, have at least 6 months of credit history. If you're denied, you can request reconsideration at 1-800-732-9194.
What are the requirements for the BofA Customized Cash Rewards?
Suggested score 660+, at least 6 months of credit history, utilization under 45%, and up to about 5 recent hard inquiries. Reports to Experian, TransUnion.
What are the approval odds for the BofA Customized Cash Rewards?
Based on 11 real reported BofA Customized Cash Rewards applications, 64% were approved. Approved applicants had a median FICO of 755 and 7% utilization. Denied applicants had a median FICO of 670 and 26% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the BofA Customized Cash Rewards?
Of 11 reported BofA Customized Cash Rewards applications in our dataset, 64% were approved — the lowest approved score we have on record is 700.
What is the welcome bonus on the BofA Customized Cash Rewards?
Earn $200 after you spend $1,000 on purchases in the first 90 days from account opening. BofA publishes no end date for it — the offer runs until it is replaced.
What is the APR on the BofA Customized Cash Rewards?
The ongoing APR is 19.24%–29.24%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the BofA Customized Cash Rewards?
The BofA Customized Cash Rewards annual fee is $0.
See approval statistics across all cards — approval rates and starting limits by FICO band →
Will you be approved for the BofA Customized Cash Rewards?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.