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Bank of America® Customized Cash Rewards: late fee & grace period

Checked against Bank of America’s own pages on October 26, 2026. 4 facts verified, 2 not confirmed.

Forgiveness score 2 of 11some first-fee reliefhelpful features
Late fee
Up to $41: $30 the first time, $41 if late again within 6 billing cycles. Never more than the Total Minimum Payment Due.
Source: bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=407953
Grace period / breathing room
Due date is at least 25 days after each billing cycle closes.
Source: bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=407953
First late fee waived?
No late fee at all if your balance is $100 or less on the due date; otherwise the first fee is lower ($30 vs $41).
Source: bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=407953
Autopay
Not confirmed — we couldn’t verify this on an official page yet
Card lock / blocking
Not confirmed — we couldn’t verify this on an official page yet
ADHD-friendly features
Alerts by app push, text or email (no charge from Bank of America).
Source: bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=407953

Not applicable here: Overdraft fee, Can you turn overdraft off?.

“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.

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