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BOA Customized Cash Rewards
I am getting siding redone on my house and wanted a 0% introductory card to put the purchase on. I had applied for the Citi Simplicity but was denied stating too many inquiries and late payments. The late payments were from 5 years ago, and I had been approved for a Citi Double Cash 2 years ago, so that didn't make a lot of sense to me. Perhaps Citi has tighter restrictions post covid-19? Oh well. Since I couldn't get the 18 months at 0%, I started looking at 15 month cards.
The Bank of America Customized Cash Rewards turns out to be a much better card for this particular purchase since it has a 3% home improvement category. I had initially thought that meant places like Home Depot and Lowes, and it does, but it also includes contractors that work on your house (like siding contractors, for example)!
And a $200 sign up bonus when you spend $1000 in the first 3 months (siding will certainly be more than $1000)!
I apped and was not auto approved because I have a fraud alert on my account. I called the backdoor recon number (888-762-5486) and they were able to verify my identity to get past the fraud alert. I was approved for $7000 credit limit.
Since the 3% category is only for the first $2500 per quarter and the siding is going to be about double that, I am going to try to pay half in June and half in July and see if I can get it to post in different quarters. Once I pay off the siding, I may use the card for online purchases at 3% until I need some other contractor work done.
The information packet that came with the card includes a HUGE list of credit card codes that work for the 3%. Lots of "home improvement" categories that I wouldn't have thought of. 5932 (antique shops), 0780 (landscaping), 7394 (equipment, tool, appliance rental), 5193 (florist suppliers, nursery stock, and flowers) were a few that stood out to me beyond the normal roof/siding/HVAC contractors that I had thought of.
Data points:
Income: 52k/year
Current credit limits: 105k or so spread over 13 or 14 cards
Utilization: 7% at the time of app
Credit score: 758 according to Experien where BOA pulled
Inquiries: 11 including several within the last month (apparently BOA isn't that inquiry shy!)
Approved limit: $7000











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Re: BOA Customized Cash Rewards
Congratulations on your approval!!
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Re: BOA Customized Cash Rewards
Congrats on the approval!
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Re: BOA Customized Cash Rewards
Congratulations on your BofA Customized Cash Rewards approval!











Current FICO 8 | 9 (March 2025):
Credit Age:
Inquiries (6/12/24):
Banks & CUs:








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Re: BOA Customized Cash Rewards
Grats on your new CCR card
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Re: BOA Customized Cash Rewards
Congrats on your approval!















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Re: BOA Customized Cash Rewards
Congrats on your Bank of America Customized Cash Rewards approval.
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
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Re: BOA Customized Cash Rewards
Congratulations on your BofA approval. This really is a hard to beat card and it can be good as an everyday driver for many. Just got an approval recently for a high limit card so don't want poke the near with them so soon, but this is probably my next card. They did good on this one.
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Re: BOA Customized Cash Rewards
Congratulations...smart strategy...
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Re: BOA Customized Cash Rewards
Congratulations on your approval!!! Thanks for the DP's.







































