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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
269,199 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
269,199 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.

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Joined Aug 2010
L5: Journeyman
> bubble2 508 Posts
85 Reputation
idfw2003
05-13-2024 at 01:23 PM.
05-13-2024 at 01:23 PM.
Quote from Wall-e_o7 :
Thank you. My Money is tied up in the Capital One Preferred savings account promo right now for new accounts at 20,000+, 50,000+, 100,000+ but definitely appreciate the information. Capital One 360 Performance Savings Account: Earn Up to $1500 Bonus Funds w/ 4.3% APY (slickdeals.net)
I have both. The statement of BofA and Merill Lynch should be BofA/Merrill Lynch as I do not have any ML accounts. They tried their hardest to get me as a customer but I went with Fidelity brokerage account. Fidelity current core money market is 4.97% much higher than High Yield savings from Capital One or Discover. Also make sure to stay below the FDIC $250k insured limit of you're rich.🤣 Only difference is you get a different 1099 form. Best account for tax free retirement savings; ROTH IRA. Do your own research before opening.
Reply
Last edited by idfw2003 May 13, 2024 at 01:27 PM.
Joined Nov 2017
L4: Apprentice
> bubble2 304 Posts
160 Reputation
vmfung
06-12-2024 at 09:26 PM.
06-12-2024 at 09:26 PM.
Can you have multiple of this same card?
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Joined Nov 2023
L3: Novice
> bubble2 257 Posts
14 Reputation
langkhack18
06-14-2024 at 02:00 AM.
06-14-2024 at 02:00 AM.
Is it possible to make $1000 purchases to get the $200 reward then refund/return it after that? Sorry if it sounds like fraud lol
2
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Joined Jun 2020
L2: Beginner
> bubble2 44 Posts
10 Reputation
VladK16
07-14-2024 at 01:00 AM.
07-14-2024 at 01:00 AM.
Decided to give this card a chance as I plan on doing some some renovations to my home with new flooring and painting. The spending bonuses of $200 looks good for doing this, plus the 3% cash back for the home improvement charges.

I haven't read through the whole thread, but it seems like the mobile app has issues. I was just wondering as to how long it takes for the $200 bonus on 1K of spending. takes to kick in. Did the CO card and I got the $200 credit within a week.
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Last edited by VladK16 July 14, 2024 at 01:10 AM.
Joined Jul 2007
L8: Grand Teacher
> bubble2 3,034 Posts
942 Reputation
bszelda
09-07-2024 at 01:56 AM.
09-07-2024 at 01:56 AM.
I got this card and promotion back in May. Just beware, it is difficult to pay this card with anything other than a BoA checking account. I have to transfer money from other banks to the BoA checking in order to make a payment with the BoA credit card. They make it very difficult to make a payment using another bank.
1
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Joined Apr 2006
L10: Grand Master
> bubble2 9,602 Posts
1,045 Reputation
Tnyc
09-07-2024 at 07:49 AM.
09-07-2024 at 07:49 AM.
Don't recommend BoA or Citi as a financial company to deal with. Their competitors are better so why do business with these guys? And yes, I've had experiences with them in the past and decided to move my money elsewhere.
1
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Joined May 2006
E - 1/2 - junk - 3/4 - F
> bubble2 3,410 Posts
505 Reputation
dregan
09-07-2024 at 11:53 AM.
09-07-2024 at 11:53 AM.
Quote from inquisitive :
has anyone with a BoA checking/savings account ever try their foreign currency exchange for cash before going abroad?
Yes, got a few hundred dollars Japanese Yen, the rate wasn't amazing but I picked it up in a branch in a few days to get me situated until I could get more currency when over there.
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Joined Nov 2020
L5: Journeyman
> bubble2 662 Posts
70 Reputation
samfromny
09-07-2024 at 12:10 PM.
09-07-2024 at 12:10 PM.
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.

I'd have canceled the card if they didn't honor a stolen card issue. Peace of mind is worth more than any cash offer back. I have two cards, one Citi MC and one Capital One Visa. Both have been there the few times I needed them and I just won't switch for a few bucks...
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Joined Nov 2020
L5: Journeyman
> bubble2 662 Posts
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samfromny
09-07-2024 at 12:11 PM.
09-07-2024 at 12:11 PM.
Quote from Tnyc :
Don't recommend BoA or Citi as a financial company to deal with. Their competitors are better so why do business with these guys? And yes, I've had experiences with them in the past and decided to move my money elsewhere.

Sorry to hear but Citi has been there for me. And no I never worked for Citi nor do I have any other accounts.
Reply
Joined Dec 2012
L2: Beginner
> bubble2 88 Posts
18 Reputation
Dtarb
09-07-2024 at 12:14 PM.
09-07-2024 at 12:14 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.
Can you elaborate on how to do this? If you don't mind.
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Joined Apr 2006
L10: Grand Master
> bubble2 9,602 Posts
1,045 Reputation
Tnyc
09-07-2024 at 01:53 PM.
09-07-2024 at 01:53 PM.
Quote from samfromny :
Sorry to hear but Citi has been there for me. And no I never worked for Citi nor do I have any other accounts.

Ask someone who has a CD with Citi and ask them how easy it is to give instructions for renewal of the CD. You have to call in and wait 30 minutes because there is no way to do it online. Customer service is based overseas.
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Joined Aug 2018
L2: Beginner
> bubble2 53 Posts
20 Reputation
MichaelM6202
09-07-2024 at 04:32 PM.
09-07-2024 at 04:32 PM.
I have four of these cards, one mastercard and three visa cards ( one regular, one wild life card, and one breast cancer fund card) this helps bypass the quarterly cap on rewards.
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Joined Aug 2018
L2: Beginner
> bubble2 53 Posts
20 Reputation
MichaelM6202
09-07-2024 at 04:34 PM.
09-07-2024 at 04:34 PM.
Quote from dregan :
Yes, got a few hundred dollars Japanese Yen, the rate wasn't amazing but I picked it up in a branch in a few days to get me situated until I could get more currency when over there.

Fidelity debit card might be a better choice to withdraw foreign currencies overseas. No fees at all and good exchange rate.
Reply
Last edited by MichaelM6202 September 7, 2024 at 04:38 PM.
Joined Aug 2018
L2: Beginner
> bubble2 53 Posts
20 Reputation
MichaelM6202
09-07-2024 at 08:49 PM.
09-07-2024 at 08:49 PM.
Quote from bszelda :
I got this card and promotion back in May. Just beware, it is difficult to pay this card with anything other than a BoA checking account. I have to transfer money from other banks to the BoA checking in order to make a payment with the BoA credit card. They make it very difficult to make a payment using another bank.

I use fidelity cash management account to pay BOA credit cards. The trick is that you can not add a pay account directly. You need to enroll in eBill first; once you receive your first e-bill, you can then set up a payment account.
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Joined Aug 2018
L2: Beginner
> bubble2 53 Posts
20 Reputation
MichaelM6202
09-07-2024 at 08:53 PM.
09-07-2024 at 08:53 PM.
boa and Merrill edge pay ridiculous low interest rate for your cash balance. A solution is to buy money market etf, like MINT for your cash balance.
Reply
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