THE MOST IMPORTANT THING I want to say in my review is something I couldn’t find in ANY reviews. The 3% cash back on gas applies to ANY purchase made at any GAS STATION, not just the gas. The advertisement makes it sound like this is good for the gas only, but I didn’t think that could be so & found out it isn’t.
My stats when applying for BoA: 742 CK score (TU & Equifax both), lowest utilization grade, 100% payment history, 0 derogatory marks, Avg credit age of 1 Yr (totally incorrect in reality, I'm close to 10 years on every other report, idk where CK gets this from...), 9 total accounts, inquiries at 2.
I was only given 'good' odds at being approved for this card yet was given 'very high' odds for my Chase Freedom & Citi Double Cash cards with almost a 50 point lower score. I've wanted this card for a while but I've read that BoA is picky, so I held out til I was confident I’d be approved.
The application process was mostly easy except for the required employment selection. They had NOTHING related to my field, so I had to call BoA to find out what to choose. The call was completely smooth & the rep was very helpful.
The BoA online banking GUI is average at best, especially compared to the Chase & Citi online banking GUIs. The BoA GUI just has a cheap feeling to it & I honestly expected it to be closer to the quality of the others, if not better due to how long they’ve been around.
Finally, with the 2 other cards I mentioned, this one rounds out the 3 top cash back cards in my opinion. Chase Freedom is great for the 5% rotating categories, BoA is good for the 3% gas bonus, & Citi is good for a minimum of 2% on all other purchases. I love free money, & you just can’t beat getting paid to buy things you’re already going to have to buy anyway!!!