The Bank of America Customized Cash Rewards card is as easy to get as most other no-annual-fee cash back credit cards. You’ll just need to provide the typical personal information, Social Security number and total annual income through Bank of America’s online application.For the best approval odds, you’ll need a good to excellent credit score (a FICO score of 670 to 850). You may even be able to get preapproved for your Bank of America card through its website or by using Bankrate’s CardMatch tool without risking a hard credit pull.