Smart Tip: Existing Bank of America customers earn an even bigger bonus when redeeming cash back rewards into a Bank of America checking or savings account.
After spending 500 on purchases in the first 90 days after opening a new account, earn 150 bonus cash back.
Take advantage of the chance to monitor your fico score for free with this card and track your progress towards an excellent score.
Smart Tip: Some companies charge you a fee to get your fico credit score.
Your interest rate is based on your credit history.Text Banking, dont worry about mobile apps and websites.Earn 2 and 3 bonus categories are limited to the first 2,500 in purchases per quarter.Penalty Fees Late Payment: Up to 38 Returned Payment: Up to 27 Back to top The Bottom Line With a huge 150 cash back signup bonus and 0 APR for 12 billing cycles on purchases and balance transfers, this card is an incredible deal.Fico Score, enrolled cardholders can view their fico credit score for free.If you quickly spend that amount in the 2 cash back rewards categories, you miss out on the 3 bonus cash back for gas purchases.How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing period.Updated April 25, 2018, apply Now, is the Bank of America Cash Rewards credit card a Smart Option?APR for Cash Advances See Terms Penalty APR and When it Applies Up.99 variable How Long Will the Penalty APR Apply?
Automatically get 0 APR on purchases.
The 3 foreign transaction fee also makes this card less of a draw for frequent international travelers.
We maintain strict editorial integrity in our pad level up rewards writing and assessments.If you redeem cash back rewards into a Bank of America checking or savings account, get an extra 10 customer bonus!Minimum Interest Charge No less than.50 Back to top Fees Annual Fee: 0 Transaction Fees Balance Transfer: Either 10 or 3 of the amount of each transfer, whichever is greater.Coupled with 3 cash back at gas stations, 2 cash back at grocery stores and wholesale clubs, and 1 cash back everywhere else, this card offers a great option to put cash back in your pocket with no annual fee. .The 1 difference is worth up to 25 per quarter or 150 per year.However, if you will spend less than 2,500 on gas dont miss out on the 2 grocery store and wholesale club bonus.Complete balance transfers within 60 days to qualify for 0 APR.Overall, this card is a great option and one of the best cash back cards with no annual fee on the market today.