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Bank of America® Cash Rewards Credit Card

$200 Bonus Offer
w/ $1K in eligible purchases
+207 Deal Score
511,411 Views
Bank of America is offering a $200 cash rewards bonus offer after you make at least $1000 in purchases within the first 90 days of account opening with their Bank of America® Cash Rewards credit card. There is no annual fee. Thanks dead4life

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase


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Edited February 7, 2020 at 10:13 AM by
Bank of America is offering a $200 cash rewards bonus after you make at least $1000 in purchases within the first 90 days of account opening with their Bank of America® Cash Rewards credit card. There is no annual fee.

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase


Slickdeals may be compensated by Bank of America.
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Created 04-08-2019 at 11:11 PM by dead4life
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Deal
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+207
511,411 Views
$200 Bonus Offer
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined May 2008
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#481
Quote from FabulousPolice5543
:
You can earning 5% back on freedom Visa with groceries and home improvement.
Yes, but the 5% bonus rotates every quarter so can only get 5% for 3 months of the year and max is $1500 per quarter. This card lets you earn 3% to 5.25% back all year, up to $2500 per quarter (if you are a Preferred Rewards member.)
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#482
Are online giftcard purchases from restaurants considered online or dining category?
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Joined Jan 2018
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#483
Finally got Susan G Komen VISA card after receiving MasterCard and request via phone banking. Will able to shop in Costco. It took about 3 weeks.
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Joined Sep 2012
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#484
Quote from MadCoolNY
:
Does anyone know if i was to pay my cable or cell phone online, would it fall under the 3% online category.
No, bills do not fall in the 3% online category.

I pay my bills online and they do not count as an online purchase. (Utility bills, auto insurance, Spotify, Adobe..)
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Joined Sep 2012
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#485
Quote from princebargain
:
Are online giftcard purchases from restaurants considered online or dining category?
In December, I purchased giftcards from Target and received the online category bonus.
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Joined Oct 2013
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#486
No more Visa? When did they switch to MasterCard?
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#487
anyone know of any card besides the slate that offers 0 fee on balance transfers and 0% apr?
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Joined Nov 2011
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#488
Quote from Rabble_Rabble_Rabble
:
Even if you don't need one, open a basic BoA checking or savings account. Doing so adds an additional 10% to your cashback thereby boosting online purchases to 3.3%.

So glad BoA switched up the rewards for these cards. I have both the Visa and Mastercard versions and hardly ever used them before. Now earning 3.3% for all online shopping up to $5,000 combined quarterly has pretty much made them my primaries.
Don't you have to be enrolled with their preferred rewards program too to get that extra cashback? And to do that I have to maintain a 20k bank balance for 3 months prior.
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#489
Quote from hrhrudi
:
Don't you have to be enrolled with their preferred rewards program too to get that extra cashback? And to do that I have to maintain a 20k bank balance for 3 months prior.
There are tiers to the bonus cashback and the lowest one for an additional 10% only requires a basic checking or savings account. I can't remember what the eligibility is for checking accounts to avoid fees, but for savings accounts a minimum balance of just $500 needs to be maintained.
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Joined Sep 2009
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#490
You need 100k in BoA to get the highest rewards tier that actually makes it worthwhile compared to other systems (and only then if you rarely travel in most cases- for travelers amex and chase remain higher reward systems in most cases- especially for premium travel stuff)
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Joined Oct 2006
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#491
Quote from Rabble_Rabble_Rabble
:
There are tiers to the bonus cashback and the lowest one for an additional 10% only requires a basic checking or savings account. I can't remember what the eligibility is for checking accounts to avoid fees, but for savings accounts a minimum balance of just $500 needs to be maintained.
They removed the 10% bonus when you redeem the cash bonus into your BOA checking or saving account about 6 months ago. So now the lowest balance required to get reward bonus is to keep at least 20k for 3 months.
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#492
Quote from britishtw
:
They removed the 10% bonus when you redeem the cash bonus into your BOA checking or saving account about 6 months ago. So now the lowest balance required to get reward bonus is to keep at least 20k for 3 months.
Look, I've had two Cash Rewards cards (one Visa, one MC) and a savings account for about a year now. Every quarter I max out the $2500 in 3% online spend on both cards. Every transaction has earned the expected 10% bonus. I know what I'm talking about.

Here are the official terms directly from BoA if you still refuse to believe me -

"10% Customer Bonus: A 10% Customer Bonus will be added to the Cash Rewards you earn on Net Purchases if either the primary or joint cardholder has an active consumer (non-business) checking, savings or individual retirement account with Bank of America, N.A. ("qualifying account"), or is a client of Merrill Edge®, Merrill Lynch, Pierce, Fenner & Smith Incorporated or U.S. Trust (excluding 401(k) or other employer sponsored plans and some 529 plans). To earn the Customer Bonus, your qualifying account must be open and maintain an average daily balance of greater than $0 or have had a deposit within 90 days. It may take up to 45 days to begin earning the Customer Bonus on purchases when you open a qualifying account. Account opening bonuses are excluded from the Customer Bonus. Other significant terms apply. Program subject to change."
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#493
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#494
Quote from Rabble_Rabble_Rabble
:
Look, I've had two Cash Rewards cards (one Visa, one MC) and a savings account for about a year now. Every quarter I max out the $2500 in 3% online spend on both cards. Every transaction has earned the expected 10% bonus. I know what I'm talking about.

Here are the official terms directly from BoA if you still refuse to believe me -

"10% Customer Bonus: A 10% Customer Bonus will be added to the Cash Rewards you earn on Net Purchases if either the primary or joint cardholder has an active consumer (non-business) checking, savings or individual retirement account with Bank of America, N.A. ("qualifying account"), or is a client of Merrill Edge®, Merrill Lynch, Pierce, Fenner & Smith Incorporated or U.S. Trust (excluding 401(k) or other employer sponsored plans and some 529 plans). To earn the Customer Bonus, your qualifying account must be open and maintain an average daily balance of greater than $0 or have had a deposit within 90 days. It may take up to 45 days to begin earning the Customer Bonus on purchases when you open a qualifying account. Account opening bonuses are excluded from the Customer Bonus. Other significant terms apply. Program subject to change."
No need to get all defensive here. I am just speaking from my own experience.

I work for Bank of America call center, we used to mention the 10% customer bonus when people applied for the card. However about 6 months ago the bonus has been removed from the terms and agreement and is not offered to new customers anymore.

It's great if you are still getting the 10% customer bonus. Maybe your account got grandfathered in. My checking account, unfortunately, no longer gets 10% customer bonus when I redeem the cash reward.
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Last edited by britishtw January 21, 2020 at 10:25 AM.

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Joined Nov 2011
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#495
Does anyone know what credit bureau(s) BofA uses to qualify you?
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