Bank of America® Cash Rewards credit card
- 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 (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- 2%Earn automatic 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 12 billing cycles for any balance transfers made in the first 60 days
- Purchases Intro APR
- 0% Introductory APR on purchases for 12 billing cycles
- Regular APR
- 13.99% - 23.99% Variable APR on purchases and balance transfers
- Annual Fee
- $0
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, 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
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% 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
- Contactless Cards - The security of a chip card, with the convenience of a tap
Features
- 0% Introductory APR
- Balance Transfer
- Cash Back
- Dining
- EMV
- Excellent Credit
- FICO Score
- Gas
- Mobile Pay Ready
- No Annual Fee
- Popular
- Rewards
- Travel
- Unsecured credit card
- Zero Fraud Liability
Staff Review
Editor's Rating: 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. |