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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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If you’re a Bank of America customer who’s looking for a way to earn a little extra cash or save some money on everyday purchases, it could be easier than you think. By taking advantage of BankAmeriDeals, Bank of America credit and debit card holders can earn up to 15% cash back, putting more money back into your pocket.

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. Here’s what you should know about this unique program.

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.

Once you’ve activated the deals, you simply shop with your Bank of America cards and you’ll automatically earn cash back on eligible purchases. Within 30 days of 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.

Restrictions and drawbacks with BankAmeriDeals

To make sure you are earning cash back on all eligible purchases, there are a few things to consider.

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.

Keep close watch on the terms and conditions

Each merchant offer 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. It’s possible 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 using your ZIP code. Because of that, 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. In turn, the program is 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 have the opportunity to build up significant rewards quickly.

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 choice (gas – now including electric vehicle charging (EVC) Stations, online shopping – now including cable, streaming, internet and phone services, dining, travel, drug stores or home improvements and furnishings)
  • 2% cash back on grocery store and wholesale club purchases
  • $2,500 combined spend 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 card60,000 online bonus points when you spend $4,000 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 help you earn cash back without much effort. However, if you follow a few simple rules, you can earn even more.

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. 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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