Bank of America® Cash Rewards

This was the first card I have ever applied for. I have had accounts with BOA for some years now and applied in person with a representative. Immediately, I was approved for a $2000 limit, and now 12 months later BOA has automatically increased my limit to $3500. There is also a 10% bonus on rewards if transferred to a BOA account. I would recommend this card to first time credit card users and BOA account holders. So far I’m very happy with this card!

Had this card for over a year with no issues whatsoever. 

This is like any other card except that they only allow you to redeem your rewards of do you have $25 in them so if you have less and you don’t want to use the card you will lose those rewards. Payments also take a few days to post but overall the cart is OK. 

I love this card.  It so happens that I opened a checking account with Bank of America a few months before applying for this card.  I was approved online instantly.  I applied to get the (then) $150 bonus after 3 months with $500 of spending.  Because I have the deposit account, I can get a 10% bonus on cashback if I have it deposited into the checking account.  I got the initial bonus plus cashback, just had to claim it online, with no problem.  Took little time, even less than they'd projected.  This card works excellently for me because most of my spending in life is at the grocery store, and I don't know of a better cashback on that than 2%.  It's not hard to spend $500 on groceries in 3 months.  I have Savor card too, but don't get the 10% bonus with that.  I would use the card for 3% back on gas, but it's hardly worth it to risk a gas pump credit card theft.  I do that when Chase Freedom offers 5% back ;)  The Bank of America World Mastercard could be better if there were no foreign transaction fee.  Capital One Savor does not charge a foreign transaction fee, therefore I use it for purchases which could incur such a charge.

I used this card to earn quite a bit in fuel rewards.

Absolute ripoff that rwards don't payoff untill you accumlate 2500 points, they want to force you to make this your only card. Sorry if I feel like if I just spent $1200 on a trip its not too much to het a few bucks back witout spending another grand. They won't let me pay from the mobile app because of some BS with legacy system and their old bill bay system. 

This card is only good if you want to pay it through a bank of america account. They make it nearly impossible to pay from any other bank account. I don't believe in Bank of America's ethics, so I opened an account at a Credit Union. However, I had to keep my BoA checking account open just so I could pay this card. It's ridiculous.

I've had to file a dispute on a couple of occassions because they have a habit of reporting to the credit reporting companies before their payment systems finish processing.

Great card with additional potential cash back opportunities if you are a Bank of America account holder

I was "pre-approved" for the card, so I applied hoping to take advantage of the 0% balance transfer. When I was "approved", they gave me a $500 limit and no balance transfer offer. Even if I were to get the balance transfer, $500 is nothing. Other cards give me limits of up to $20,000. If you call them to request a limit increase or the other offers that supposidly come with this card, they say "you need a histort of 12 months with bank of america before you can be considered. Waste a a hard pull. Rediculous. 

Excellent for Gas and Groceries including Costco and BJ

Worst bank ever!

I've had this card since 2013 and I use it for everything. If you are a preferred client your bonus can go up to 75% for cash back. From number crunching on average I get about $500 a year cash back plus the bonus on top of that. Interest rates are a bit high but you earn a lot of rewards especially if you have a banking relationship. I applied in a center was instantly approved and my card was mailed to me in the same week. I've had a few interactions with customer service but I used the app to call and they called me back within the wait time it was quick and simple. Ultimately a great card I'd recommend for anyone, with my bank bonus I earn more at Costco than with the Costco card.

I like the fact that I can get more percent cash back on purchases that I make often like the 2% for wholsesale and 3% for gas, plus there is no annual fee. However, I only use this card for these two things because I get 1.5% cashback on everyday purchases on another credit card compared to this one. it's just a way for me to get a little more back.

I recommend the BoA Cash Rewards card only for those who are willing to be BoA customers and having an account with $100k+ to hit the platinum honors level. This gives you 5.25% on gas, 3.5% on groceries, and 1.75% on everything else. Pretty competitive with some of the best cards out there. And for me, as a BoA customer, the convenience of having this credit card combined with my bank accounts makes it worth it. However, if you're a non-customer or can only hit the lower rewards tiers, you may want to consider a different card.

I was averse to B of A for any reason, but ended up opening a deposit account due to needing a private account. Nobody would expect me to open it there. After a few months, I applied for this credit card for the incentive. I am very happy with the incentive and bonus for being a customer, had no trouble redeeming it, and am glad categories don't change for cashback quarterly. It's working well for me; I took a star off because they send blank credit line checks with the card statement. I think that is bad for security, and I would never be using credit that way.

I have been a Bank Of America Cardholder for 2years, I have a perfect payment history, and is at a 2% utilization rate! My credit limit is $6300, and my balance is $197.. Which is higher than it has ever been. I recently receive a pre-approval invitation to apply for the BOA Cash Rewards Card..I applied. And was immediately approved for a $10,000 limit. I though okay cool, I'll use it, and earn my bonus! This is where the jokes on me effect occurred! In 3 weeks time, I managed to put $460 dollars on the card. Then with no warning at all, and for no reason, BOA decided to close both my accounts. I called to try to find out what happened. And was told by their card services, that I would receive a letter in the mail.. And that all she can see on her end: is that my accounts were closed because of unusual activity on my account! Unusual activity.. Yeah... I guess so, when they encouraged me to spend $500, so that I can get the $200 bonus..I hate this company, and the bonus is just to lure you to rack up debt... Beware because before you reach that $500, they will close your account..Take it from me: I have a 813 credit score, I have excellent credit.., and if they could do that to me, it just shows what crooks this company really is. They will not be getting 1 cent of interest form me, as I am transferring the balance to my low interest credit unit card... The jokes on them...lol

Don’t carry a balance; pay monthly.

This is the best no annual fee card I could find for wholesale and gas. I haven't had any problems and was given a CL of 8K.

I had "Fair" Approval Odd's for this card on here so I went onto BOA website and this was the recommened card for me. I applied, a little nervous because I have 4 hard inquiries on my credit already(3 will be off in december this year), I got the "Your application is being reviewed" blah blah blah, called the following day to check the status of the application and when I got off the phone I had recieved an email stating that I was approved and my credit limit is $4,000! Was superexcited, said 7-10 days to recieve the card, I applied on Monday, got approved on Tuesday, got my card on Saturday.  So far it is good the only thing they put my first name on my card twice? Will need to contact BOA personally to get that issue fixed.  But this is my 4th credit card I've been approved for, Capital One($700), my Victoria Secret($1,250), my America Express($15,000), and now BOA($4,000)

Super happy to be building my credit more and more!

Unless you're part of their preferred rewards program this is just an OK card.

3% on gas. 2% at grocery. 1% everywhere else.

I paid off my balance and within 3 days received an additional bill for unpaid interest. I called customer service and it was like talking to a robot. Ultimately, after paying off my American Express and Chase cards and not having them charge me interest on a payment that had already been made. I decided Bank of America was unethical. To future card holders, beware of all the fine print. Practical thinking doesn’t apply to their business model only hidden agenda and small print that no one reads. BOA was the highest interest rate within all of my cards. Not worth it, closed my account today. 

Online shopping for a new credit card, thought I would share my exp. - the card started out fairly decent, the 3-2-1% usual cash back, never had problems getting rewards ... however, last Christmas, while traveling, they froze it bc of unusual activity, us traveling, which we do every year in the summer and either T'giving or Chmas, and to the same 2 small towns .... but they decided to send us a new card with a new number, which is always such a pain having to change all of the accounts tied to the cc number .... well, I expected it to keep being autopayed through my bank account, but nope, it wasn't so it got overdue before I caught it, we ALWAYS pay off the balance each month and use it for most everything, except some bills that are auto drafted/ ETF from checking bill pay account. But I didn't catch it for 3 months .... and then I fixed it, and continued on with autopaying the FULL BALANCE, as always, and lo and behold, the last 2 months, it has only been the min. bal. paid, so lots of interest charges, and now, after going into the BofA website to make sure it was set to Autopay by ebill the full amount, it double drafted, once from the bank side, and once from the BofA side, sooooooo that overdrew the account ..... so I am done with them. I realize the issues are as much my fault as theirs, and I hate to think they would get all Wells Fargo-y on me, but I sure don't know/understand why it would be a min. bal. paid these past 2 months, again, while traveling, dh had to call me from the bankers office while I was away from home, to figure out the 1st double draft, in June and then a 2nd one in July ..... I did notice however, they had a banq up quarter when reporting earnings recently..... not that I am accusing them of anything, but afters seeing what WF did, nothing would surprise me. Wonder if there are any ethical CC companies out there ..... LMK if you find one .....

I was approved for this card in 2012 when I had no credit and no one else would give me any. I received $200 bonus after spending $1000. The interest rates are high on the card so I pay the balance each month and never pay interest. One time they charged me interest on accident ($5) I called and they immediately issued me a credit. When I cash in for the cash back they give a 10% bonus if you have a checking or savings account with them. This has been good for my first credit card. Started with $1,000 credit limit and now have $10,000

The best thing about this card is the bonus rewards for depositing cash into a Bank of America account (I get an extra 25%). I had a couple of fraudulent charges about a year ago, but they were taken care of within 24hrs and I had a new card in 2 days. Requesting a credit line increase is simple, and they have a pretty good app for managing your account. Overall, nothing bad to say.

The interest rate on this card is extremely high. Even with having the card for years and making on time payments they will not lower the interest rates. The rewards are not worth it due to the interest rate.

The card has OK rewards, but I can do better and get my rewards right away instead of waiting until $25. BoA has become political with their loans to gun manufacturers. I don't like politics where it doesn't belong so I stopped using it. May cancel it in the future.

I have only completed two reviews,  however, the first review which was negative, was intended for another Bank Credit Card. Read down to my positive review of this card. The first one was my mistake.

I highly recommend

Bank of America® Cash Rewards Credit Card

Customer service by phone was terrible. Called four times, four times they told us something else. I have better cards now. When asked why we dumping the cards, I told them they recorded the conversations, listen to them. All we were trying to do was combine two of their cards into one, and not asking for a higher credit line.