Bank Of America Cash Rewards

welcome offer

Earn $200 after $1,000 spent within the first 3 months. Intro 0% APR for 12 months on purchases and balance transfers.

Bonus Cash Value

Approximately $200*

Annual Fee

$0

Card Rewards

3% on a choice of one of the following: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cashback on groceries (up to $2,500 spent each quarter combined with the 3% categories)

1% everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The BOA Cash Rewards card is great for BOA rewards as they offer an additional 25%/75% rewards bonus on every purchase for preferred rewards customers. Worth it to be a customer! Earn 3% on these categories and on more: gas, online shopping, and travel.

Card-Smart Tips & Advice
  • Good credit needed
  • Bank of America will only approve you for a maximum of 2 cards within 2 months, 3 cards within 12 months, and 4 cards within 24 months
  • You can not have more than 5 Bank Of America credit cards
  • Bank Of America will not approve you for a credit card if you have opened more than 2 credit cards (other issuers included) in the past 12 months (and up to 6 credit cards in the past 12 months for Bank Of America Bank Account Holders)
  • Bank Of America will usually pull your Experian credit report (if you freeze Experian then Bank Of America  pull your TransUnion credit report)
  • You can check your application status  here
  • If declined you can call 1 800 354 0401 to be reconsidered
Welcome Offer Eligibility
You are eligible to receive the Welcome Bonus even if you received the Welcome Bonus in the past
Card Details And Benefits
  • Preferred rewards customers get an additional 25%/75% rewards bonus on every purchase
  • Roadside Dispatch
  • No Foreign Transaction Fee
  • Trip Cancellation Insurance
  • Auto Rental Collision Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Search Recent Approvals

Filtered by:
Sep 08, 2020
Approved

Bank Of America Cash Rewards

Credit limit : $12,000
Score : 750
Annual Income : N/A
Applied from : New Jersey
Bureau : TransUnion
Age Of Credit History: N/A
Limit : $12,000
Score : 750
Bureau : TransUnion
Income : N/A
Credit Age: N/A
State : New Jersey
Approved
Sep 04, 2020
Approved

Bank Of America Cash Rewards

Credit limit : $2,000
Score : 739
Annual Income : $230,000
Applied from : New York
Bureau : Experian
Age Of Credit History: Average is approx 8 years, individual is approx 1 year
Limit : $2,000
Score : 739
Bureau : Experian
Income : $230,000
Credit Age: Average is approx 8 years, individual is approx 1 year
State : New York
Approved
Notes: Applied for the BofA cash rewards Was approved for 2k Than applied for the travel rewards and was declined cause short credit history and fee other reasonsMy individual credit history is like just a year old And highest individual limit is a 6 months old discover of 3500
Aug 25, 2020
Approved

Bank Of America Cash Rewards

Credit limit : $6,000
Score : 770
Annual Income : N/A
Applied from : New York
Bureau : Experian
Age Of Credit History: N/A
Limit : $6,000
Score : 770
Bureau : Experian
Income : N/A
Credit Age: N/A
State : New York
Approved
Aug 20, 2020
Approved

Bank Of America Cash Rewards

Credit limit : $1
Score : 763
Annual Income : N/A
Applied from : New Jersey
Bureau : TransUnion
Age Of Credit History: N/A
Limit : $1
Score : 763
Bureau : TransUnion
Income : N/A
Credit Age: N/A
State : New Jersey
Approved
Notes: I dont know limit but it says approved, have old card with 16k I Froze Experian so they pulled TU
Aug 20, 2020
Approved

Bank Of America Cash Rewards

Credit limit : $6,000
Score : 760
Annual Income : N/A
Applied from : New York
Bureau : N/A
Age Of Credit History: N/A
Limit : $6,000
Score : 760
Bureau : N/A
Income : N/A
Credit Age: N/A
State : New York
Approved
Aug 10, 2020
Approved

Bank Of America Cash Rewards

Credit limit : $1,900
Score : 750
Annual Income : N/A
Applied from : New York
Bureau : TransUnion
Age Of Credit History: N/A
Limit : $1,900
Score : 750
Bureau : TransUnion
Income : N/A
Credit Age: N/A
State : New York
Approved
Notes: Experian was locked. I have a BOA bank account

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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