Is the Bank of America Customized Cash Rewards Credit Card bonus still available?
Yes. As of Aug 14, 2026 the Bank of America Customized Cash Rewards Credit Card bonus is live and pays $200 online cash rewards for apply through a bank of america refer-a-friend link, get approved, then spend the qualifying amount on purchases in the first 90 days. preferred rewards members earn 25 to 75 percent more on every category..
Pick your own 3 percent category, no annual fee, and the welcome bonus lands on normal spending.
The numbers, in full
| Payout | $200 online cash rewards |
|---|---|
| What it takes | Apply through a Bank of America refer-a-friend link, get approved, then spend the qualifying amount on purchases in the first 90 days. Preferred Rewards members earn 25 to 75 percent more on every category. |
| Direct deposit needed | No |
| Money tied up | None |
| Time committed | 60 days |
| Effective APY | No capital tied up |
| Per hour of your time | $522/hr |
| When it pays | 8 to 12 weeks after the spend posts |
| Offer ends | No published end date |
| Last checked | Aug 14, 2026 |
What the return actually looks like
No money of yours sits still here, so an APY would be meaningless. Judge it on pay for your time: about $522/hr for roughly under an hour of work.
Read this chart as a table
| Offer | Pay per hour | Hands-on hours |
|---|---|---|
| American Express (Gold / Platinum) | $4,174/hr | 0.38h |
| Chase Sapphire Preferred | $3,261/hr | 0.38h |
| Marriott Bonvoy Business American Express | $2,348/hr | 0.38h |
| Chase Sapphire Reserve | $2,027/hr | 0.62h |
| Chase United Explorer | $1,957/hr | 0.38h |
| Bank of America Customized Cash Rewards (this offer) | $522/hr | 0.38h |
Open it
This link is our personal referral. It costs you nothing and often pays you more than the public page.
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