Bank of America® Cash Rewards credit card

Apply by phone: 1-800-654-2643
  • 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 
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 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
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same.
  • No expiration on rewards 
  • 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, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Annual Fee:
$0
Purchase Intro APR:
0%
(12 Billing Cycles)
Purchase Regular APR:
16.24% - 26.24%* Variable
Balance Transfer Intro APR:
0%
(12 Billing Cycles) for any balance transfers made in the first 60 days
Balance Transfer Regular APR:
16.24% - 26.24%* Variable

Details, Rates & Fees

Click here for Additional Details

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* 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 See Terms*
Cash Advance Fee 3%, Min: $10
Late Fee Up to $39
Penalty APR Up to 29.99% APR
Balance Transfer Fee 3%, Min: $10
Foreign Transaction Fee 3%
Return Payment Fee Up to $28

Rewards

Welcome Bonus

Earn $200 after you spend $1,000 in the first 3 months.

All Purchases

1% cash back per dollar

No cap on spending

Groceries

2% cash back per dollar


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† 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 November 2018 through April 2019. 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.

 
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