I have nothing bad to say about this card. I've had this card for over a year now. I use it for gas, and groceries only. It also has an option to choose what you want to gain 3% cash back on, like gas, travel, etc. I keep the 3% back on gas. You always get 2% back on groceries and 1% back on all other purchases. I gave my wife a card and told her to only use this card on gas and groceries for the cash back and I pay it off every week. I've earned over $500 in cash that has been deposited straight into my bank account and I've paid $0 in interests. I'm making money off of this card. Every year when we go on vacation I change the 3% cash back to travel. I earn 3% back on hotels, taxis, rentals, and activities. You can change it every 30 days. I highly recommend this card especially if you have a checking account with BofA. It's so easy to make payments or transfer funds. Extremely easy to keep up with.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 15 Billing Cycles on balance transfers made in the first 60 days
- Balance Transfer Regular APR 15.49% - 25.49%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 15 Billing Cycles
- Purchase Regular APR 15.49% - 25.49%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
The sign-up bonus is the best feature of this card, plus the ability to use the 3% cashback on the category of my choice. Dealing with BofA, however, is a constant struggle.
I constantly have my card declined when making purchases deemed "out of the ordinary" by BofA's algorithm, without any notification or follow-up by them to get my approval and no recourse to unblock the card through the app or website. Finding the right number to call customer service and reaching an actual human being on the other end is impossible, so I simply use another card rather than call in to unfreeze my card. Prepare to spend a minimum of 30 minutes on the phone everytime you need to authorize a declined purchase or attempt to report a fraudulent charge and lock your card.
Don't get me started on the app - setting up AutoPay is nearly impossible there or on the desktop website.
BofA is also stingy about the credit limit available for this card. I was offered almost 4x my current Cash Rewards credit limit when applying for an AMEX Blue Cash Everyday card.
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