Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

Intro APR Purchase

0% Introductory APR on purchases for 12 billing cycles

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Excellent/Good

Intro APR for Balance Transfer

0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

Regular APR

16.24% - 26.24% Variable APR on purchases and balance transfers

Annual Fee

$0

PROS

  • Sign up bonus
  • Earn rewards on multiple categories
  • No annual fee
  • Additional rewards for Bank of America clients

CONS

  • Depending on how you spend, there might be a better card for you

CARD HIGHLIGHTS

    • No annual fee
    • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
    • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
    • You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
    • No expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
    • If you're a Preferred Rewards client, you can get a 25% - 75% rewards bonus on every purchase