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Bank of America® Cash Rewards credit card

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Bank of America's Secure Site
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Bank of America's Secure Site
Intro Bonus
Intro Bonus
$200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Reward Rates
3% Earn 3% cash back in the category of your choice.
2% Earn 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
1% Earn unlimited 1% on all other purchases
Balance Transfers Intro APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Purchases Intro APR
0% Introductory APR on purchases for 15 billing cycles
Regular APR
15.49% - 25.49% Variable APR on purchases
Annual Fee
$0

Great for:

Choosing favorite category. As a cash back card with tiered ongoing rewards, this card's 3% back on a category of your choice is unusual. Then it's 2% back at grocery stores and wholesale clubs, with a $2,500 quarterly cap on the 3 categories.

See more of the best rewards credit cards of 2019.

Highlights

  • No annual fee
  • $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, 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
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Features

  • Auto Rental Insurance
    Auto Rental Insurance
  • Balance Transfer
    Balance Transfer
  • Cash Back
    Cash Back
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • FICO Score
    FICO Score
  • Gas
    Gas
  • Lost Luggage Reimbursement
    Lost Luggage Reimbursement
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • Popular
    Popular
  • Purchase Protection
    Purchase Protection
  • Rewards
    Rewards
  • Travel
    Travel
  • Travel Accident Insurance
    Travel Accident Insurance
  • Unsecured credit card
    Unsecured credit card
  • World Mastercard®
    World Mastercard®
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

 

Editor's Rating:

3.6-star review

3.6 out of 5

Our take: The Bank of America Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 spending cap on bonus category rewards limits how much cardholders can earn.

Read full review

 

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Cardholder Reviews

Bank of America® Cash Rewards credit card

Average Ratings: (collected by Bank of America)
4.5 out of 5 stars
Ratings and reviews provided by issuer as of 2019-10-08.
See the latest reviews on Bank of America's site

For customer reviews and the most recent star ratings please click here