Credit Card Reviews Advertiser Disclosure

BankAmericard Cash Rewards™ Credit Card

Approval Odds
Cardholder (140 Reviews)
Application Process
Customer Service
3.4643 5
Apply Now
My Saved Cards
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.

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

How Credit Karma Can Help

Thinking about applying? Credit Karma can estimate your Approval Odds based on your credit profile. Get your information for free and get started.
  • Credit Scores
  • Credit Reports
  • Personalized Offers

Most Helpful Positive Review

Good Cash rewards card
Helpful to 76 out of 89 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.

Read More

Most Helpful Critical Review

They only like those who carry a balance
Helpful to 40 out of 43 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 !!!

Read More

DARRYL1936's review was:    


Reviews (140)

Not the best, or the worst.
Helpful to 0 out of 1 people

Have as part of my checking account. 

Read More
Helpful to 3 out of 4 people

Started out on the 99/500 program in which I paid BOA $99 and they gave me a secured card in the amount of $500.  I enrolled December 2014--last month September 24, 2015 to be exact I saw the $99 credited to my account not realizing until I checked my credit card account that my limit increase from $500 to $2000. I always paid my bill on time and stayed under 30% utilization.

Read More

CreditEqual2Debt's review was:    

Write A Reply |
No benifits
Helpful to 2 out of 3 people

Just a regular cash back card with very bad customer service, you could get the same benefits and even better cashback rewards other cards

They add a yearly fee on the account, and the customer service is so bad.

They dont respond to you well and treat you mean. and transfer calls from one dept to another, till you get vexed.

Read More
All in all, a great card
Helpful to 3 out of 3 people

I was approved for 9k in February of 2015 for this card, and requested and received an increase to 16k in July .   I utilize this card for all of my fuel purchases, 3% rebate,  and some other expenses. I charge almost all my monthly expenses on credit cards, and pay them off when I get paid.  If you deposit your reward dollars into a checking or savings account there, you earn an extra 10% on your reward points. Having a Merrill Edge account will increase your reward to 25% I believe. It's important to check and sign up for their BankAmeriDeals on the website to maximize your rewards where you generally earn between 5% and 10%. I was having a check up performed on my vehicle awhile back and noticed my dealership brand was on the rewards list, as well as Starbuck's, Mastercuts, Petco, and Advanced Auto. I cleaned up on rewards that month! As of today I've earned a total of $387.64 into my checking account! That's free money. One year no interest is offered on this card. The payment on this card is a bit odd, as you use the transfer option rather than payment option if paying through a Bank of America account. I've never contacted customer service because I've never had an issue with the card.  If traveling, there's a section on their website to list travel dates and locations to help avoid fraud and freezes on the card. I also have alerts set up, as I do a lot of online shopping where the physical card isn't presented.

Read More
Application process might kill you
Helpful to 6 out of 7 people

The process of applying for this card and attempting to prevent Bank Of America from messing up my (excellent) credit score required one long online chat session and 4 phone calls. I have now received the card and am a little afraid to use it, given how badly they managed to screw up a simple process.

Without typing out the entire episode, they did things they said they wouldn’t do and didn’t do things they said they would. What should have been simple, straightforward and mutually beneficial turned into a reason to hate dealing with them and I regret applying for the card – and I’ve not even used it yet.

To Bank of America, if you read this: caesar si viveret ad remum dareris

Read More
Good card with Excellent Cash Backs
Helpful to 1 out of 2 people

I am having this card in my wallent for almost 15 months by now. Initially I got approved for 700$ CL and after a year I have got extra 1000$ (totaling 1700$) CL as a promotion or whatever by BofA. I liked the way I get cash back for whatever I purchase(1%/2%/3% depending on the type of Merchant) and also extra 10% on overall cash back at the time of redeeming. I usually pay all my bills before the closing date and maintain 0$ before the next cycle begins. Thats the good way to maintain credit score I suppose. Still wondering when they will increase my CL without my request as they did (I knew automatical increase in CL will increase your credit score by 20 points rather than decreasing). It should be really awesome if I could get a CL of around 5k with the benfits of Cash back rewards.

I would definitely recommand this card as a First Credit card in one's wallet.

Read More

AmarendraBaahubali's review was:    

Write A Reply |
Stay Away
Helpful to 10 out of 11 people

Somehow I received a pre- approved CC offering which i took. They sent me a card with a $1000 limit. Maybe 2 weeks later I noticed i was decreases to $500 with no reason. I used it like 4 month always paid before due date a more than minimum payment. One day i went to use it in a restaurant and they told me it was declined. When I left the restaurant I called immediately and the response is that the user had voluntarily closed the card. I said no. The lady told me that she would fix this. So what they did was submit another Hard inquiry to the credit agency affecting My score. denying the card and by the way my score was higher than hen they actually opened the first place.

First and last time for me with BOA. I was writing this as i wait for 40 minutes to make a payment over the phone because they could not verify my bank account

Read More
Good Rewards
Helpful to 0 out of 1 people

The card and cash back are great. I have yet to use customer service, so i can't comment on that.

Read More
Ugh..... I don't really know
Helpful to 2 out of 3 people

I have this card and some days I love it, and other days I hate it. First I will say that I love the features it has. The rewards on gas and groceries all the time really is hard to beat, but that isn't where it ends. They have the Museums on Us program which is super awesome, and the cash back rewards too that change all the time. This card honestly has the best features out of all my cards, at least the most that apply to me consistantly.

The problem I have with owning this card comes from Bank Of America themselves and not so much the card. The cutomer service is lacking. They take simple problems and turn them into huge problems. Efficient is not a word I would use to discribe their CS team. The website is awful. Downright terrible. Not user friendly, the layout is confusing at times, the search box rarely pulls up anything relivent when you can find what you need on your account screen. The worst though is how long they take to process payments. Unless you have a Bank of America account plan on it taking at least 3 business days to process your payment. Plan in advance. I usually always make at least the minimum payment the day after my statement is sent to me just so I know at the very least that is taken care of on time. I'll then send a payment throughout the month. 

I'm not sure why, since none of my other cards have such a small limit, but they only gave me a $500 limit. I called backdoor number several times with no success. It is confusing to me because I have no delequencies on my credit report, no late payments, low utilization and a decent score. Still no budging on the $500 limit. Hopefully by the end of the year that will change. It makes it very difficult to keep utilization low with such a tiny limit. I honestly keep it for the free museum admission. If I wasn't located in a major city I might have told them to cancel the card already. 

Read More
Best credit card!!
Helpful to 3 out of 6 people

This is the best credit card, the cas back really adds up. I've had this credit card for 2 years and I use it for all of my purchases your cash reward never expires.

best part is, if you have a checking account with Bank of America you get an additional 10%

Read More

Top Similar Cards

Search All Cards
Add a Review

Add Your Review

Rate this card overall

Please select a rating

I Own It I Had It I Applied

Please state your experience.


How was application process?

How was customer service?

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.

BankAmericard Cash Rewards™ Credit Card