BankAmericard Cash Rewards™ Credit Card

Apply by phone: 1-800-654-2643
  • No annual fee
  • $100 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 now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No changing categories and no expiration on rewards 
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers. 
  • 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%.
Annual Fee:
$0
Purchase Intro APR:
0% intro
(12 Billing Cycles)
Purchase Regular APR:
13.24% - 23.24%*
Variable
Balance Transfer Intro APR:
0% intro
(12 Billing Cycles) on qualifying transfers
Balance Transfer Regular APR:
13.24% - 23.24%*
Variable

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.24% APR
Cash Advance Fee See Terms*
Late Fee Up to $37
Penalty APR Up to 29.99% APR
Balance Transfer Fee 3%, Min: $10
Foreign Transaction Fee 3%
Return Payment Fee Up to $27

Rewards

Sign-Up Bonus

Earn $100 after you spend $500 in 3 months.

All Purchases

1% cash back per dollar

No cap on spending

Gas

3% cash back per dollar

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

Groceries

2% cash back per dollar

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


Our Take

The BankAmericard Cash Rewards™ credit card is a solid cash back option for people with good to excellent credit.

What to Like

The BankAmericard Cash Rewards™ credit card offers 3% cash back on gas and 2% cash back at grocery stores and now at wholesale clubs for the first $2,500 in combined grocery stores, wholesale club, and gas purchases each quarter. You can earn 1% cash back on all other purchases, and get a $100 cash rewards bonus after $500 in purchases in the first 90 days.

Look Out For

You’ll pay a 3% or $10 fee on any balance transfers whichever is greater, as well as a 3% fee on foreign transactions. If you’re late on a payment, you could be subject to a high penalty APR that may overshadow any rewards earnings.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.