Applied for this card, and they pulled from experian. My score was 743 at the time. I didn't receive an automatic approval. I was told I would be notified through the mail. About a week later I had receievd an email saying I was approved for this card, but it did not tell me the credit limit. Once I had received the card the cl was 2000. This is my 12th credit card (don't judge me lol). They are all in good standing, and no late payments..and always pay over the minimum payment. The only reason I had applied was because the rewards are similar to American Express which I can't get. I haven't used it yet, but hope this helps anyone looking to apply. And Credit Karma said my odds for approval were good.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% intro for 12 Billing Cycles on qualifying transfers
- Balance Transfer Regular APR 13.49% - 23.49%* Variable
- Annual Fee $0
- Purchase Intro APR 0% intro for 12 Billing Cycles
- Purchase Regular APR 13.49% - 23.49%* Variable
The BankAmericard Cash Rewards™ credit card is a solid cash back option for people with good to excellent credit.
What to Like
The BankAmericard Cash Rewards™ credit card offers 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined grocery stores, wholesale club, and gas purchases each quarter. You can earn 1% cash back on all other purchases, and get a $100 cash rewards bonus after $500 in purchases in the first 90 days.
Look Out For
You’ll pay a 3% or $10 fee on any balance transfers whichever is greater, as well as a 3% fee on foreign transactions. If you’re late on a payment, you could be subject to a high penalty APR that may overshadow any rewards earnings.
Most Helpful Positive Review
Most Helpful Negative Review
I had an unauthorized charge by a merchant. I made a claim for the charge. Bank of America sided with the merchant and asked me for a receipt. They rejected my claim. I asked them to show me the receipt from the merchant. They hadn't even contacted them. I asked for a copy but the merchant refuses to send a receipt. Bank of America says it's the merchants right to ignore the request. This is the kind of customer support you should expect. I have never known a company to work against its own customers. Welcome to bank of America. You have been warned. Apply with caution.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
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.
† 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 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.