Bank of America® Cash Rewards

Bank of America® Cash Rewards
Issued by Bank of America
Card Rating:4.10
Advertiser Disclosure
Annual Fee
Regular APR
15.24% - 25.24% Variable

Additional Information

Balance Transfer Fee
3% (min $10)
Purchase Intro APR
0% for12 billing cycles
Transfer Intro APR
0% for12 billing cycles for balance transfers made in the first 60 days
Late Payment Fee
Returned Payment Fee
Up to $27
Cash Advance Rate
See Terms
Cash Advance Fee
See Terms
Foreign Transaction Fee
Smart Chip
Yes, chip-and-PIN
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Sign-up Bonus

$150 online cash rewards bonus after you spend at


No Rewards..

Application Requirements

Minimum credit score
Minimum Age
18 years of age


  • If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards

How To Apply Bank of America® Cash Rewards

  • Click the Apply Now button below to go to Bank of America’s website to begin the application. Bank of America will check one of your credit reports from one of the major credit bureaus.

  • Most people will get an instant decision, approved or denied. But in some cases, it may take a bit longer, or Bank of America may request more information from you.

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How To Use Bank of America® Cash Rewards

Where Can You Use Bank of America® Cash Rewards?

  • You can use it online or at Bank of America

Pay Your Bank of America® Cash Rewards Bill On Time

  • Just be sure to make on-time payments. A late payment could cut the card's introductory period short.

Something About Bank of America® Cash Rewards 

  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

  • No changing categories and no expiration on rewards

  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account

  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Credit Card Reviews

85 Reviews
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User Name

First Card and I’m Glad to have it!
1 year ago

This was the first card I have ever applied for. I have had accounts with BOA for some years now and applied in person with a representative. Immediately, I was approved for a $2000 limit, and now 12 months later BOA has automatically increased my limit to $3500. There is also a 10% bonus on rewards if transferred to a BOA account. I would recommend this card to first time credit card users and BOA account holders. So far I’m very happy with this card!

Really good card.
1 year ago

Had this card for over a year with no issues whatsoever. 

Great rewards but minimum $25 to reedem
1 year ago

This is like any other card except that they only allow you to redeem your rewards of do you have $25 in them so if you have less and you don’t want to use the card you will lose those rewards. Payments also take a few days to post but overall the cart is OK. 

Very happy with World MC
1 year ago

I love this card.  It so happens that I opened a checking account with Bank of America a few months before applying for this card.  I was approved online instantly.  I applied to get the (then) $150 bonus after 3 months with $500 of spending.  Because I have the deposit account, I can get a 10% bonus on cashback if I have it deposited into the checking account.  I got the initial bonus plus cashback, just had to claim it online, with no problem.  Took little time, even less than they'd projected.  This card works excellently for me because most of my spending in life is at the grocery store, and I don't know of a better cashback on that than 2%.  It's not hard to spend $500 on groceries in 3 months.  I have Savor card too, but don't get the 10% bonus with that.  I would use the card for 3% back on gas, but it's hardly worth it to risk a gas pump credit card theft.  I do that when Chase Freedom offers 5% back ;)  The Bank of America World Mastercard could be better if there were no foreign transaction fee.  Capital One Savor does not charge a foreign transaction fee, therefore I use it for purchases which could incur such a charge.

Fuel up on rewards
1 year ago

I used this card to earn quite a bit in fuel rewards.

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About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why Cards-Offer born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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