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Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

 

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Your Rating:

3.8/5.0 from 301 Offer Ratings
Over the Past 60 Days!

(301) Over the Past 60 Days!

  • Regular Purchase APR 13.99% - 23.99% Variable APR
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Intro BT APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Visa®

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% of the amount of each transaction or $10, whichever is greater.

Cash Advance Fee See Terms*

Penalty APR Up to 29.99% APR

Ongoing Information

Rewards Rate 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the CompareCards.com Editorial Team

The Bank of America® Cash Rewards Credit Card is currently offering a $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening - that’s an appealing offer. Cardholders will enjoy an intro APR of 0% Introductory APR on purchases for 12 billing cycles and 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.99% - 23.99% Variable APR.

There is also no annual fee associated with this card and you earn great cash back rewards with every purchase: 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Redeeming your cash back is easy - you can set up your account to receive your cash back by direct deposit to a checking or savings account, have it credited to your statement or sent to you by check.

You can even get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account. And if you're a Preferred Rewards client, that bonus increases to 25% - 75%. Overall, the Bank of America® Cash Rewards Credit Card is a generous cash rewards credit card with something for everyone to love.

If you prefer the personal touch of a phone call when you apply for a credit card or have a question on your account, Bank of America goes the extra mile. You can expect an “an outstanding customer service experience” for the live phone channel, according to the May 2017 certification by J.D. Power.

Expert Reviews of the Bank of America® Cash Rewards Credit Card

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 4.5

    Fees

  • 4.5

    Benefits

  • star rating 4.5/5

    Overall Rating

The Bottom Line

The Bank of America® Cash Rewards Credit Card is a good rewards card that offers a chance to earn fantastic cash rewards rates on your spending. There are other features like overdraft protection, too, and the interest rate is reasonable. Bank of America customers also get to enjoy an ongoing 10% cash rewards bonus when redeeming rewards directly into a Bank of America® checking or savings account.

The Good

If earning cash back is your goal, the Bank of America® Cash Rewards Credit Card is a good option for you. You can earn cash back on everything you buy and receive it in fast, easy, convenient ways and rewards do not expire.

The Not so Good

It’s a solid rewards card, but if you like to travel overseas, be aware that transactions made in a foreign currency and transactions made in U.S. dollars that are processed outside the United States are subject to a heavy surcharge of 3%.

Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of America.

Consumer Reviews

  • star rating mask

Offer Rating

3.8/5.0

301 Total Ratings

5 Star
 
 
(40)
4 Star
 
 
(191)
3 Star
 
 
(52)
2 Star
 
 
(13)
1 Star
 
 
(5)

Your Rating

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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.

+273 users submitted a rating without a full review

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11 Found this review helpful

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By: | Aug 8, 2017

Rewards in all areas that we spend our money & we are all about our Savings account. I would open a BOA savings account w/that reward benefit, definitely!! I like the 'no strings' approach of this card, just the basics w/great rewards to 'boot'

97 Found this review helpful

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By: | Jan 4, 2017

Great card has low interest rate and can be used anywhere I shop!

99 Found this review helpful

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By: | Dec 17, 2016

Good credit card! This was my first credit card I owned. I had it for many years when I commuted a long distance to work to my entry level job. At that time gas was $4.00 per gallon in the San Francisco Bay area. It helped a lot. I cancelled the card when gas prices dropped and I got Discover It. Now that you can use it at Costco (With a minimum of 2% cash back) and they raised the quarterly max spend to $2500, I reapplied and was recently approved. I can't wait to start using this at Costco.

1 Reply

By: Robert Summers | Jul 31, 2017

Costco has a new Citi card, you will get 4% return on gas, 3% on rest & travel, 2% Costco purchase and 1% other.

97 Found this review helpful

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By: | Oct 26, 2016

I like the fact that everyone accepts it. I like getting the rewards. It has the chip that is needed.

100 Found this review helpful

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By: | Aug 27, 2016

I like the fact that when you redeem your points and put it in one of your accounts you get extra money.

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By: Robert Summers | Jul 31, 2017

Yes it can be 25%, 50% or 75%!

105 Found this review helpful

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By: | Aug 4, 2016

I like getting back 1.75% when I redeem back into a checking account. Due to rewards, we charge everything. We also pay off the card every month so not saddled with high interest rates.

115 Found this review helpful

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By: | May 31, 2016

This is a card issued by a Major Bank with the Visa logo, and is accepted virtually anywhere. You do need to have some established credit to get the card, but it is worth it. The interest varies but that is with most credit cards, so look at that when you apply. The good thing is that with cash back rewards, you are not tied down to trying to book travel just so your points don't go to waste, or finding a reward you have no interest in. This find is the main benefit of having this card, and why I prefer it.

118 Found this review helpful

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By: | Apr 29, 2016

YES THEY HAVE DIFFERENT CATEGORIES BUT THEY DON'T ROTATE BUT THE NICE THING IS IF YOU WANT TO TRY A LITTLE HARDER YOU CAN EARN MORE BUT YOU DON'T HAVE TO . ONE GREAT OVERLOOKED BENEFIT IS IF YOU GET OR HAVE A BANK OF AMERICA ACCT IF YOU PUT YOUR CASH BACK IN THERE YOU RECEIVE AN ADDITIONAL 10%

118 Found this review helpful

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By: | Mar 3, 2015

Great card for everyday expenses. Get 1 to 3% cash back on purchases, groceries, and gas. I pay the full balance every month, that way I don't accrue any interest charges. You also get special deals every month or so for an additional 10% cash back for selected vendors. Customer service is good and prompt. I've had this card for over three years now, and am very happy with it.

109 Found this review helpful

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By: | Feb 17, 2015

I have used this card for years and I can only say that they treat me great. I consider this card to be one of my better cards, 2nd only to Jet Blue and AM EX

102 Found this review helpful

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By: | Jan 13, 2015

Very good card. Good Bank to work with. Always take care of the good paymasters

100 Found this review helpful

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By: | Jan 5, 2015

Ok I have a Question for Everybody before I Do Something totally Stupid And Totally Regret It. I am only 34 years old totally new to this World Of Credit Cards. What I Want To Do Tonight Or Hope To Do is find Another Caredit Card Online With Lower Fees Then With The Card I Own Now. I have a Amazon Rewards Credit Card By The Company Of Chase. Now My Spending Online Got Outta Hand Last Year And This Card Is Totally Max Out. Now Does Anybody Know if Any Company Will Let Me Transfer Over The Whole 1,800 Some Dollars That I Owe To A Card With No Fees So I Can Get This Mess Paid Off Faster? Now is my Idea Possible>

100 Found this review helpful

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By: | Oct 27, 2014

Have had this card for more years than I can remember. Everything about it is great.

130 Found this review helpful

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By: | Oct 8, 2014

This is the card I personally carry, it is great earning 2% on groceries and 3% on gas, it's great earning cash back on what you actually need

150 Found this review helpful

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By: | Oct 8, 2014

I have the BankAmericard VISA card, and I think it is one of the best decisions I’ve made regarding a credit card choice. It has no annual fee, and 0% APR during the first 12 billing cycles. It also offers cash back rewards on all purchases. You have to activate that option each quarter, when you log into your online BankAmericard account. Most purchases you will get 1% cash back. The one time bonus of $100 for spending $500 can be done easily in 90 days. It seems like a lot of people don't like that the rewards back on gas and groceries cap at $1,500 every quarter, but for me that would probably be enough. You can also earn cash back rewards when you shop at select department stores, up to the quarterly maximum. It will not take long to earn enough points to redeem a $25 gift card, and they have almost 100 different gift card options available for you to choose from. It is very simple to manage your BankAmericard VISA online: check your current balance, check your available credit, see your payment due date and amount, pay your bill, check your rewards balance, transfer balances from other credit cards, see your current and past statements, and you can select paperless billing as well. You can also activate Free Alerts to receive personalized phone or e-mail updates regarding specified account activity and transactions on your credit card accounts. The BankAmericard Mobile App lets you pay bills, send money to another person, transfer money, check balances — and even deposit checks using BankAmericard. Just take a picture of the front and back of an endorsed check using the BankAmericard Mobile App. Point. Click. Deposit. It's that easy.

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