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BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

 

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Your Rating:

3.9/5.0 from 217 Offer Ratings
Over the Past 60 Days!

(217) Over the Past 60 Days!

  • Regular Purchase APR 13.24% - 23.24% Variable APR
  • Intro Purchase APR 0% for 12 billing cycles
  • Intro BT APR 0% on qualifying balance transfers for 12 billing cycles
  • Annual Fees $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
  • $100 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 now at wholesale clubs, and 3% on gas up to 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, 13.24% - 23.24% 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

Late Payment Fees Up to $37

Foreign Transaction Fee 3%

Balance Transfer Fee Either $10 or 3%, whichever is greater

Cash Advance Fee See Terms*

Returned Payment Fee Up to $27

Penalty APR Up to 29.99%, based on your creditworthiness

Minimum Interest Charge $1.50

Ongoing Information

Rewards Cap Bonus rewards categories cap at $2,500 combined per quarter

Rewards Rate 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, 3% on gas

Annual Fee $0

Grace Period 25 Days

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 BankAmericard Cash Rewards™ credit card is currently offering a $100 online cash back bonus after you make at least $500 in purchases within the first 90 days of opening your account - that’s an appealing offer. Cardholders will enjoy 0% Intro APR for 12 billing cycles on purchases, and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR.

There is also no annual fee associated with this card and you are able to earn 1 percent cash back for every purchase. There are easy ways to access earned cash - 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 also have the convenience of earning 3% back on gas purchases and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases in those categories (at participating merchants).

Expert Reviews of the BankAmericard 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 BankAmericard Cash Rewards™ credit card is a good rewards card that offers a chance to earn 1% on every purchase with no annual fee. 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 BankAmericard 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% of the U.S. dollar amount of each transaction, in addition to any other applicable fee.

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 have not been reviewed, approved or otherwise endorsed by Bank of America.

Consumer Reviews

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Offer Rating

3.9/5.0

217 Total Ratings

5 Star
 
 
(21)
4 Star
 
 
(159)
3 Star
 
 
(28)
2 Star
 
 
(7)
1 Star
 
 
(2)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

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.

+192 users submitted a rating without a full review

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2 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.

6 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.

10 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.

15 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.

18 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%

19 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.

15 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

7 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

6 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>

8 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.

36 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

50 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.

26 Found this review helpful

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By: | Oct 8, 2014

3% cash back on gas is a good to have when none of your other cards have a 5% cash back in their typical changing categories. However not so good overall for cash back. It is although well backed up with the bank of ameri online deals where you can select your card to receive more cash back in in store purchases. Should think of some 5% category osmehow otherwise it is loosing out appeal.

49 Found this review helpful

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By: | Oct 7, 2014

We recently obtained this card. It's an excellent card. This card has no annual fee. When you first open the account you can receive $100 cash back when spending at least $500 within the first 90 days. You also get 0% APR during the first 12 billing cycles. So if you you want to buy something this year for the holidays you can actually buy it and pay zero interest rate! as long as you pay it within the 12 months.

32 Found this review helpful

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By: | Oct 7, 2014

I love everything about this card! No annual fee is a MUST for me. I won't even consider a credit card that has an annual fee. 1% back on everything is nice. 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. It would be nice if it was a tad higher though. The one very big downfall that I see is in the requirements it says you must have EXCELLENT credit, bu the interest rates are 12.99-22.99. That is way to steep for having EXCELLENT credit. I wouldn't recommend this card for most "regular" people.

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