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BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

on Bank of America’s secure website


• No annual fee

• $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

• Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter

• No changing categories and no expiration on rewards

• 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.

• Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account

• If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.


Up to 3% cash back up to $1,500 each quarter

Annual fee



12.99% - 22.99%

Rewards rate

Up to 3%

Sign up value


Minimum credit

BankAmericard Cash Rewards™ Credit Card

A great card for drivers or shoppers.

The card offers a great rewards program and one of the highest paying that I have found. I earn 1% cash back on any purchase, 2% cash back on groceries and 3% cash back on gas. This makes it a very convenient card for someone who does a lot of driving or shopping. Another perk is that if you redeem your cash rewards to a Bank of America account you receive an additional 10% cash back. In addition to the cash rewards, the card also offers extra rewards in the form of cash back deals that alternate depending on your former purchases. For instance, if you use your card at restaurants you will receive special limited time offers from several dining establishments for an extra 10% off of your dining bill. I have made over $30 extra so far from shopping at places like Starbucks and Whole Foods. Overall I believe this card is the best cash back option available.
BankAmericard Cash Rewards™ Credit Card

Great starter card for students, but rewards are not the best available

I like how I can earn cash back that goes directly into my checking account with BOA also. However, I wish that there was more cash back for particular purchases in groups that I tend to spend the most money, like restaurants or fast food places. The zero interest for the first year is really great and made this card an awesome first card for a college student. I would recommend it to anyone who is just trying to build up their credit and already has an account with this bank. It is convenient for paying and handling bonuses; otherwise, there is little added benefit of the card if you don't have BOA already. I tend to keep this card open to continue building my card, but hopefully will be able to get a better card with more rewards within a year, to take better advantage of available offers. In the meantime, I like using this card. I have a very reasonable credit limit and can do what I need with this card.
BankAmericard Cash Rewards™ Credit Card

Great card for BoA users

Great card. Easily linked with Bank of America checking account, which is convenient since there are so many Bank of America locations in the US. Rewards are good on gas and groceries (plus bonus if you link to a BoA checking account, so even better). Don't know about the interest rate since I never carry any debt.
BankAmericard Cash Rewards™ Credit Card

Great No Annual Fee Card

I have been using this card for a little over 2 years. I really like this card. Everything is straightforward. The cash back deals are easy to understand. I like that you can redeem them for a statement credit rather than less options with some other cards. I can not really speak to the fairness to the APR because I pay the balance off every month.
BankAmericard Cash Rewards™ Credit Card

Great card for families!

The cash rewards card by Bank America is one of the best cards there is to have. I have not had a card that gave me so much in return for using it to pay for things. I get more cash back with this card than I did with any other card. It is great because I get cash back for every purchase I make.
BankAmericard Cash Rewards™ Credit Card

Great for a first time credit card

I think this card is great. It was my first card that I ever had and I got it even before I got a job. I got a huge interest rate, but that was okay, I didn't carry much of a balance if any. What I really loved about this card is the rewards and the fact that it had no yearly fee. I get graded percentage of all money I spend back, with higher returns at the pump or at the grocery store. Additionally, if I redeem my awards to my BofA checking account I get a 10% bonus. That is awesome. Combined with no yearly fee it has been my go to card for a while, even after getting other cards.

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