The Bank of America® Customized Cash Rewards credit card earns 3% back on a category of your choice and 2% back on grocery store and wholesale club spending, on up to $2,500 per quarter in combined spending in those categories. All other purchases earn 1% back. You can change your 3% bonus category once a month.

A 3% fee Low Introductory APR Offer After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply. A 3% fee applies to all balance transfers.

The Bank of America® Unlimited Cash Rewards credit card is an excellent choice for earning rewards beyond the Customized Cash card's spending limit. It will also be great for purchases at retailers that typical bonus categories don't cover - including Walmart, Target and other superstores.

Foreign transaction fee: You'll pay a 3% fee when you spend in a foreign currency, buy something abroad or make a purchase that is processed overseas. No specialized bonuses: The Bank of America® Unlimited Cash Rewards credit card offers one flat rewards rate.

The Bank of America Customized Cash Rewards credit card is an excellent no-annual-fee card if you think you'll earn more by maximizing the card's bonus categories rather than with a 1.5 percent flat-rate cash back card.

The credit limit for the Bank of America® Customized Cash Rewards credit card is usually at least $1,000 and can be much higher, with some cardholders reporting limits of over $50,000. Bank of America uses your income, credit profile, and other information to set your card's credit limit.

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

The Bank of America Customized Cash Rewards credit card foreign transaction fee is 3%. The card's foreign transaction fee can apply whether you travel to another country or you go shopping internationally through your computer.

Bankrate's Take - Is the Bank of America Customized Cash Rewards card worth it? The Bank of America Customized Cash Rewards credit card is an excellent no-annual-fee card if you think you'll earn more by maximizing the card's bonus categories rather than with a 1.5 percent flat-rate cash back card.

Debit cards from any major US bank will work in any standard European bank's ATM (ideally, use a debit card with a Visa or MasterCard logo). As for credit cards, Visa and MasterCard are universal, American Express is less common, and Discover is unknown in Europe.

FAQs on Bank of America international fees Yes. You can spend with a Bank of America credit or debit card more or less anywhere in the world – just look out for the logo of your card network.

Drawbacks of Cash Incentives If these benefits ever have to be taken away, things could get ugly fast. Disappears quickly – Cash incentives are often quickly forgotten because they are spent on necessities – things like bills, debt or Christmas presents.