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Bank of America® Customized Cash Rewards Credit Card: Spend $1,000 or more on purchases in the first 90 days of account opening to earn a $200 Cash Rewards Bonus

+57 Deal Score
269,240 Views
Bank of America is offering a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening with their Bank of America® Customized Cash Reward credit card. No Annual fee.

Card Details:
  • $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, automatic 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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.


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in Credit Cards (2) Bank of America - Bank Advertiser
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Deal
Score
+57
269,240 Views
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.

223 Comments

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Joined Jul 2015
Noobster
> bubble2 1,046 Posts
82 Reputation
arooni
11-05-2023 at 04:41 PM.
11-05-2023 at 04:41 PM.
Can I downgrade a BofA Alaskan Airlines credit business credit card to this when the next annual fee posts?
Reply
Joined Aug 2017
L3: Novice
> bubble2 268 Posts
66 Reputation
BargainHunterodOhio
11-05-2023 at 08:56 PM.
11-05-2023 at 08:56 PM.
I have this card and really like it. I got it at the beginning of the year and they did give the $200 credit when I met the $1000 spent.

I was doing some home improvements and I switched the 3% to the (home improvement) category when buying at home Depot and IKEA. I then switched back to gas 3% when done.

It's treated me well so far.
1
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Joined Sep 2011
L3: Novice
> bubble2 127 Posts
26 Reputation
incept
11-06-2023 at 01:58 PM.
11-06-2023 at 01:58 PM.
Quote from splg38 :
WORST credit card company I have ever dealt with.

- Refused to give proper rewards. BoA was recently fined $100 million on this by CFPB. They have not changed.

- As someone else commented, they do not care if you complain to CFPB, it's like the $100 million was a joke to them, probably because it is.

DO NOT RECOMMEND.
Same. Had this card and about $300 in reward dollars. BOA closed the account and kept the reward money because the account was inactive during the pandemic. F BOA.
1
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Joined Dec 2011
L6: Expert
> bubble2 1,028 Posts
398 Reputation
Olafur
11-07-2023 at 09:23 AM.
11-07-2023 at 09:23 AM.
I've also had this card for several years, except mine is a World Mastercard, not a Visa Signature like they're offering now. I haven't had any problems with it. And I always pay off my balance online on time.

One thing I'm not sure about is whether or not old cards get grandfathered into the enhanced categories, like the 2% back at grocery stores and wholesale clubs, etc. Does anyone know?
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Joined May 2016
L3: Novice
> bubble2 263 Posts
67 Reputation
Readvo
11-07-2023 at 07:22 PM.
11-07-2023 at 07:22 PM.
Quote from Olafur :
I've also had this card for several years, except mine is a World Mastercard, not a Visa Signature like they're offering now. I haven't had any problems with it. And I always pay off my balance online on time.

One thing I'm not sure about is whether or not old cards get grandfathered into the enhanced categories, like the 2% back at grocery stores and wholesale clubs, etc. Does anyone know?

I got this card for more than 12 years and it was updated a couple times. I think it was originally called cash rewards card without any categories. It was a drawer card and my wife's got cancelled due to inactivity. Back then we did not care but now I am thinking about getting a new one for her as we maxed out the 2.5k limit every quarter.
1
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Joined Nov 2020
L3: Novice
> bubble2 183 Posts
118 Reputation
Pro
BraveSpaniel9510
11-09-2023 at 04:21 PM.
11-09-2023 at 04:21 PM.
Great card that I have in my sock drawer.
2
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Joined Sep 2016
👍
> bubble2 365 Posts
738 Reputation
Pro
VKD143
11-09-2023 at 06:59 PM.
11-09-2023 at 06:59 PM.
Has the price protection benefit?

Anyone know of Visa cards with Price protection(match) benefit?
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Joined Sep 2009
L10: Grand Master
> bubble2 15,232 Posts
4,310 Reputation
Knightshade
11-09-2023 at 08:16 PM.

Our community has rated this post as helpful. If you agree, why not thank Knightshade

11-09-2023 at 08:16 PM.
AFAIK virtually everyone killed price protection years ago
2
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Joined Dec 2018
L2: Beginner
> bubble2 81 Posts
44 Reputation
JamesJ7083
11-10-2023 at 07:35 AM.
11-10-2023 at 07:35 AM.
Quote from LukeT9361 :
I've had this card for a long time, be warned that account support on them are a complete disaster. I still use it often for the cash back, but for anything with a sketchy merchant or any reasonably important purchase, I use a different card. Every dispute I've done with bofa has been denied after 60 - 75 days with no explanation. Once my card was stolen and used a few states away - even that dispute was denied.

Never had an issue with a dispute and I'm about 20yrs with them. Using a bunch of 0% cash back cards throughout the time. I get asked if I contacted merchant first, they contact for me if issue occurs, and I always got my refund.
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Joined Mar 2022
L3: Novice
> bubble2 245 Posts
34 Reputation
minhk369
11-11-2023 at 01:50 PM.
11-11-2023 at 01:50 PM.
BofA sucks.
Been with them 3 years and i cant tell my frustration enough.
1
Reply
Joined Sep 2013
New User
> bubble2 4 Posts
10 Reputation
RoshanA8458
11-12-2023 at 07:17 PM.
11-12-2023 at 07:17 PM.
Quote from arooni :
Can I downgrade a BofA Alaskan Airlines credit business credit card to this when the next annual fee posts?

This card is available on the consumer side but they do offer a similar card on the business side. It has different reward categories. The bonus on the business card is $300.
Reply
Joined May 2006
E - 1/2 - junk - 3/4 - F
> bubble2 3,410 Posts
505 Reputation
dregan
11-12-2023 at 10:06 PM.
11-12-2023 at 10:06 PM.
Quote from lesterhung :
good for you.
CS still couldn't tell me why I am not able to do billpay or get stmts.
I have this card, I can't bill pay but I just transfer the money from one account to the card as if it's just another bank account.

Update, I can go to bill pay in BofA and add the card as just another bill pay if I wanted to pay it like that. And then I was able to sign up for ebills (online statements.)

Quote from minhk369 :
BofA sucks.
Been with them 3 years and i cant tell my frustration enough.
Chase sucks, Wells Fargo sucks, BofA sucks in my opinion a little less than the other two.
Reply
Last edited by dregan November 13, 2023 at 11:02 AM.
Joined Jun 2015
L2: Beginner
> bubble2 41 Posts
10 Reputation
timn_1
11-13-2023 at 06:55 PM.
11-13-2023 at 06:55 PM.
Quote from matrix5k :
This is a good card. 0% apr for 15 months. Great arbitrage with 5% savings accounts now. The $200 and cash back categories are a nice bonus. Capital One denied me for the Quicksilver card, even though I have the Venture X. This card is basically the same.
No, it's not. There's a 3% fee. Taxes on your savings account will eat away at the earned interest. Not worth the effort.
Reply
Joined Jun 2015
L2: Beginner
> bubble2 41 Posts
10 Reputation
timn_1
11-13-2023 at 06:55 PM.
11-13-2023 at 06:55 PM.
Quote from matrix5k :
This is a good card. 0% apr for 15 months. Great arbitrage with 5% savings accounts now. The $200 and cash back categories are a nice bonus. Capital One denied me for the Quicksilver card, even though I have the Venture X. This card is basically the same.

duplicate post
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Joined Oct 2008
L6: Expert
> bubble2 1,817 Posts
196 Reputation
eggsalad
11-14-2023 at 07:23 AM.
11-14-2023 at 07:23 AM.
Quote from matrix5k :
This is a good card. 0% apr for 15 months. Great arbitrage with 5% savings accounts now. The $200 and cash back categories are a nice bonus. Capital One denied me for the Quicksilver card, even though I have the Venture X. This card is basically the same.
you convert credit to cash without a cash advance? Roll Eyes (Sarcastic)
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