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BankAmericard Cash Rewards™ Credit Card

Approval Odds
Cardholder (128 Reviews)
Application Process
Customer Service
3.4765999317169 5
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Card Details

Balance Transfer Intro APR 0% intro for 12 billing cycles on qualifying transfers
Balance Transfer Regular APR 12.99% – 22.99%* Variable
Purchase Intro APR 0% intro for 12 billing cycles
Purchase Regular APR 12.99% – 22.99%* Variable
Annual Fee $0

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Most Helpful Positive Review

Good Cash rewards card
Helpful to 71 out of 83 people

I started in 2010 on a secured card with a  $300 limit. About a year later I was switched to cash rewards and was approved for $1500. A year later I requested and was approved $5000. Just last week while checking my credit score I noticed I was moved to $7000 on an automatic approval. I called and was told sometimes they do this I really had no idea. As long as those payments come in on time BOA will move your limit up rather quickly it would seem.

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Most Helpful Critical Review

Customer service mess!
Helpful to 42 out of 46 people

Bank of America credit card services is a disorganized mess with departments who have no idea why other departments do something. When there is a mistake due to their many IT errors, it took days out of my life to finally talk to someone who could fix it. I also had an interesting experience where I filed a claim for a company that had access to my credit card number illegally billing me. BoA decided in my favor and credited me. Then months later I get a letter from them requesting a written reply from me in 3 DAYS or they will forfeit my claim. I mailed it that day, but 2 weeks later BoA claimed they hadn't received it. They actually re-billed me for that amount and said there was nothing they could do! I've had many credit cards, and this is by far the most disorganized and "IT-error" riddled of them all. That's their blanket statement for all their problems... "IT error." Please do not get this card.

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gravityovlove's review was:    


Reviews (128)

One of my least favorite credit cards
Helpful to 6 out of 8 people

Signed up for this card for the $100 bonus credit and the 3% cash back on gas. It's a great rewards program in theory, but unfortunatley I ended up feeling like it's more trouble than it's worth.

Most archaic banking website I've ever visited. BOA needs to get it together. Very clunky and difficult to navigate.

Had difficulty verifying my outside checking account as a payment method (first time this has ever happened)

The mobile app for iOS is a complete joke. No touch ID, no pin number or swipe. Gotta peck out username and password every time.

Rewards have can only be redeemed one you reach $25. My Capitol One, Discover IT and Chase allow me to redeem any amount.

Rewards can only be redeemed by two methonds: deposit into BOA checking account (don't have) or as a check by mail. Laughable. Chase introduced easier forms of redemtion (such as useing them during Amazon checkout) back in 2010.

Hard pull if you ask for CLI increase.

Application process was easy, never called customer support so can't comment on that.

In conclusion, this card is stuck in 2006. Needs to get its act together if it wants to be competive with the Chase, Discover and Capital One. BankAmericard Cash Rewards sits at the bottom of my desk drawer, with my AmEx Blue Sky and my Best Buy Rewards Zone card.

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Don't want it
Helpful to 3 out of 5 people

Don't like B of A enough after the stunts they've pulled over the years.  I even turn down offers of "free money" from B of A.  Wish they'd quit quit sending me offeres.

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They only like those who carry a balance
Helpful to 21 out of 22 people

I had various BofA cards over the years and out of the blue they decided to drop my limit down to $600 from $8K. Never late and always paid a balance in full every month. I called and even talked to a supervisor and they would not even listen to my questions. I dropped BofA credit card like there was no tomorrow. Find a Credit Union like I did. Great service and they are never out to give you the shaft..  Banks, BAH !!!

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Good value card for BofA customers
Helpful to 4 out of 5 people

If you're an existing BofA customer, you'll get an extra 10% on all cash back rewards into your BofA checking/savings accounts. That means in addition to the extra 2% on groceries and 3% on gas cashback, you get a little over 1 cent per dollar spent. As a Visa card it's accepted everywhere. I haven't had any problems with the card or with customer service, and for a no-fee credit card it's not a bad deal if you're already a banking customer with them.

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Great card.
Helpful to 5 out of 7 people

I've had this card almost 2 months now.  Very good service, easy to pay from your checking account as a transfer.  I was approved with a 744 score with a 12k limit.   I've been with BofA for about 10 yrs now.  I just put over 4k on it with no hassels at all.  That's the icing on the cake!  No problems! 

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Floridabiker777's review was:    

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BankAmericard, Just the Beginning
Helpful to 6 out of 6 people

Other than a "young adult" card I got through my bank (with the help of my parents) while in college, the BankAmericard Cash Rewards Card was the first independent credit card I opted for when setting out to start building respectable credit history. The offer came to me through my university's alumni association, so the card has the mascot and logo on it, but functions the same as the standard model. The application process was fairly straightforward, and I was approved instantly for a $5000 limit with a 16.99% APR - I thought these were excellent terms for someone just starting off! The sign-up bonus of $100 cash back after spending $500 in the first 90 days helped get my rewards rolling in, and the 3% (gas), 2% (grocery), 1% (everything else) is great for my current spending habits. I opened a savings account with Bank of America, as well, in order to receive an additional 10% bonus when redeeming my rewards into it, essentially making the structure 3.3%/2.2%/1.1%.

I have been taking advantage of their 0% APR introductory rate for the first 12 billing cycles, letting the balance build a bit, but I was accidentally just over a week late on my 3rd payment. A simple call to their Card Services department got my first ever late fee reversed without much hassle, and I have not seen where it will affect my rates or other terms going forward (crosses fingers!). Overall, for a beginner just introducing myself to a rewards card, I have been very pleased with the BankAmericard Cash Rewards Card, as the categories are easy to understand and don't revolve or require any kind of enrollment. Plus, I like representing my school wherever I use it!

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Helpful to 6 out of 11 people

I actually did not apply for this card per sae. I was instructed by a BOA financial advisor that I would not be able to get the card (she did a soft inquiry) however, If i applied for the secured version, I could graduate that card after about a year's time of responsible use. I paid the $300 deposit and used the card every month and paid on time. after 10 months I was graduated early with my deposit returned directly into my BOA account and was also granted an instant CLI of $1,800. The card is a little stingy with the credit line right now but I image that they see exactly how much money I make since I have direct deposit with them and they know how much money I earn through an employer. Overall the card handles well and I have not had any issues with it. The cash back is building slowly but surely as I use the Card. It is about as good as their keep the change program. you hardly notice but when you cash in it is appreciated. Good cash back card.

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brolysadvocate's review was:    

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Good consisdering short credit history
Helpful to 8 out of 10 people

I came to the USA to study in 2008, and by 2011 I realized that I would be sticking around after graduating since my boyfriend proposed to me. So in October 2012 I realized oh crap I have no US credit history how am I going to apply for an apartment lease, car etc,  and started with a capital one journeys card with a tiny limit of $300 that was eventually increased to $500 after making first 5 monthly payments on time. This was the only card I had for a while, even after graduating in May 2013 and working for a few months. Then BOFA sent me a prequalified offer for this card in the mail and when I applied I was instantly approved for a CL of $1500! Since then they have increased my CL twice and now it is at $5000 despite the fact that my credit score dipped on the fair side now due to high balances on other cards. I have never had any problems with the customer service and love that it is linked to my checking and savings accounts and I can easily manage them all together online. 

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Helpful to 0 out of 1 people

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brolysadvocate's reply was:    

A perfect beginning
Helpful to 13 out of 15 people

I moved to the United States from England back in 2013 at the age of 19 and knew I had to establish good credit as soon as I could. I was originally declined for this card as I had 0 credit history but ended up setting it up as a secured card about a week later after going to a BOA location. I put a $1000 limit down and used it for EVERYTHING, I spend roughly $1500 a month but would pay it off in full every few days or so. It taught me good habits and at the same time I was getting roughly $30 back every month or two that I was putting directly into savings. The fact that they give you a 10% bonus if you deposit the cashback in your checking/savings account was very helpful too. The customer service I have experienced over the phone has been somewhat bad but I try to stay clear of talking to most big companies over the phone as I would much rather go to a branch location and talk to them face-to-face. Otherwise it has been a PERFECT introduction to the world of credit, after 12 months I had a 720 score and now I have a 750 (age 21) and have just been accepted for a Chase Sapphire Preffered and an Amex. So it really does show that even with a very short credit history, if you make your payments in full each month, its pretty easy to establish good credit very quickly. I would recommend this product to anyone who just wants to be rewarded for every day purchases as its rewards are pretty generious and also, it has no annual fee!

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You can build your credit score even higher by taking your monthly payment breaking it down into weekly payments meaning if you plan on spending hundred dollars a month on the card you break it down to four $25 payments if you do this for six months it will raise your credit score about 60 points

dwcblman's reply was:    

Great Card to Have
Helpful to 12 out of 20 people

I bank with both BOA and Chase and I have to say that I love BOA. I had an account with them since 2009 and kept turning down offers for a credit card with them for unknown reasons. In 2014, I finally opened a card and was offered a 5k limit and I use it simply for the rewards and pay most, if not all back within 10 minutes of use. Spend responsibly and watch your credit score go up. Im 23, with 13 accounts and a credit score of 740. It s not about the age of the user, but about the knowledge of the user 

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Helpful to 1 out of 1 people

It's also not about the number of accounts.. I'm 25 with 4 accounts and a score of 760.

katiecam267's reply was:    


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Company Overview

Bank of America offers a variety of high-value credit cards, like the BankAmericard Cash Rewards™, BankAmericard Travel Rewards® and BankAmericard® Visa® cards, featuring competitive rates.

Bank of America is one of the world's largest financial institutions, serving individual consumers, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 57 million consumer and small business relationships with approximately 5,700 retail banking offices and approximately 17,250 ATMs and award-winning online banking with 30 million active users.

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 2014 through November 2014. 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.

Approval Odds

BankAmericard Cash Rewards™ Credit Card

128 Reviews
Balance Transfer Purchase Intro APR Regular APR
12 Billing Cycles 12 Billing Cycles  

0% intro

0% intro

12.99% – 22.99%*

on qualifying transfers Variable