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BankAmeriDeals program guide

This card-linked offer program can maximize your Bank of America cash back potential


Bank of America credit and debit card holders can earn extra cash back on everyday purchases with BankAmeriDeals.

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The Bank of America content was last updated on May 3, 2021.

If you are looking for a way to earn a little extra cash or save some money on everyday purchases, it might be easier than you think. Bank of America credit and debt card holders can earn up to 15% cash back by taking advantage of BankAmeriDeals.

BankAmeriDeals is Bank of America’s card-linked offer program, and it is a great way for cardholders to save money on purchases without having to clip coupons or hunt for promo codes. Users can earn cash back automatically from a wide range of popular retailers.

What is BankAmeriDeals?

BankAmeriDeals is a cash back program designed to reward Bank of America credit and debit card holders on purchases they make every day. Popular restaurants, clothing stores, gas stations and more offer up to 15% cash back.

The program is built directly into Bank of America’s online and mobile banking experience, making it easy for customers to take advantage of its savings.

How does BankAmeriDeals work?

Because BankAmeriDeals is built into the online and mobile banking platforms, it is easy for cardholders to sign in to their account and view available offers. To take advantage of a promotion, you’ll have to scroll through the deals listed and activate the ones you want. You’ll link each deal to a specific card, and there is no limit to how many offers you can choose.
BankAmeriDeals desktop
BankAmeriDeals mobile


Once you’ve activated the deals you like, just shop with your Bank of America cards and you’ll automatically earn cash back on eligible purchases. Within 30 days of making your purchase, you’ll receive a statement credit or deposit into your linked account.

In addition to the cash back offered by individual merchants, BankAmeriDeals lets users earn extra cash back just for activating and redeeming offers. Every time you link a deal and make the qualifying purchase, you earn one BankAmeriDeals coin. Racking up coins gets you additional cash bonuses as you continue to redeem promotions.

Earning coins gets you a cash bonus, but you’ll also advance through levels and unlock larger bonuses over time. Four coins gets you a $5 bonus and a bump to level two. Once you are at level two, four coins will get you a $6 bonus and so on.


BankAmeriDeals mobile


In between levels, you also have the opportunity to play games and earn extra coins.

Restrictions and drawbacks with BankAmeriDeals

To make sure you are earning cash back on all eligible purchases, there are a few things to consider. First of all, you’ll need to make your purchase on the linked Bank of America card. Purchases made through mobile wallets won’t earn cash back. Here are a few other restrictions to keep in mind.

You have to activate deals to receive them

While some card-linked offer programs don’t require users to activate deals to receive them, BankAmeriDeals takes a little more effort from the cardholder. You’ll have to scroll through current promotions regularly and link them to your card to ensure you aren’t missing out on potential cash back. If you are worried about staying up to date on the cash you can earn, you can opt into text and email notifications when new deals are added.

Keep close watch on the terms and conditions

Each merchant offer also comes with its own terms and conditions that you’ll want to read through carefully. Expiration dates and purchase requirements can vary, so you’ll need to be proactive to ensure you qualify for the cash back.

Cash back can take a while to appear in your account

Once you activate a deal and make the qualifying purchase, you could have to wait up to 30 days for the deposit or statement credit to appear in your account. Since some card-linked offer programs apply discounts at the register or give cash back immediately, this can be a big drawback for some users.

Types of deals you can find

BankAmeriDeals offers a wide variety of cash back promotions, which are updated often. You’ll be able to find cash back offers up to 15% at all sorts of merchants, including dining and retail establishments.

To ensure you are getting great value out of BankAmeriDeals, offers are tailored to your specific needs based on your location. You won’t have to worry about sorting through promotions you don’t have access to.

Earn more with Bank of America Rewards cards

When you take advantage of BankAmeriDeals, you’ll still earn any credit card rewards on your purchase. That makes the program a great way to get even more out of your Bank of America rewards cards. When you combine card-linked offers with the cash back you already earn, you’ll build up significant rewards in no time.

Here are a few of the most popular Bank of America rewards cards to give you an idea of what you can earn.

Sign-up bonusRewards rateAnnual fee
Bank of America® Customized Cash Rewards credit card
$200 online cash rewards if you spend $1,000 in first 90 days
  • 3% cash back on a category of your choice (including gas purchases)
  • 2% cash back on groceries and wholesale club purchases
  • $2,500 combined limit on 2% and 3% categories each quarter
  • 1% cash back on other purchases
Bank of America® Travel Rewards credit card
25,000 online bonus points if you spend $1,000 in first 90 days
1.5 points per dollar on every purchase
Bank of America® Premium Rewards® credit card
50,000 online bonus points if you spend $3,000 in first 90 days
  • 2 points per dollar on travel and dining purchases
  • 1.5 points per dollar on other purchases

How to maximize rewards with BankAmeriDeals

BankAmeriDeals is easy to use and can earn you plenty of cash back without much effort. However, if you follow a few simple rules, you can earn even more.

Redeem offers frequently to earn coins

One of the most unique features of BankAmeriDeals are coins, which allow you to earn extra cash bonuses just for participating in the program. Redeem offers frequently to advance through levels and build up bigger cash bonuses – up to $8 for every four deals you redeem.

Stock up on gift cards

If you need to meet a high spend limit to take advantage of a BankAmeriDeal, but don’t need to spend that much at a particular store, consider stocking up on gift cards. Many grocery or office supply stores allow you to buy gift cards to retailers you are already planning to shop at, allowing you to meet spend requirements without spending money you hadn’t planned. Just be sure to check the terms and conditions of the deal carefully, as some don’t include gift cards toward purchase requirements.

Combine BankAmeriDeals with paper coupons and promo codes

It takes a little extra time, but finding paper coupons or promo codes to the same merchants offering a BankAmeriDeal is a great way to maximize savings. You can combine offers to ensure you are getting the best possible deal.

Shop using cash back portals to stack offers

Another way to stack promotions is to utilize cash back portals to do your online shopping. Websites like Cashback Monitor are a great way to see where you can currently earn rewards. If one of your BankAmeriDeals includes online purchases, you can shop through a portal offering cash back on the same website and checkout using your linked Bank of America card to multiply rewards.

Final thoughts

If you are Bank of America credit or debit card holder, it is easy to save a little money on the purchases you are already making. Spending just a few minutes linking BankAmeriDeals offers to your eligible cards can result in significant cash back every month. Best of all, you’ll still earn any credit card rewards on these purchases. Taking advantage of this program is the best way to make sure you are maximizing your rewards potential.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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