Bank of America Cash Rewards

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Card Details and Application Link

Bank of America Customized Cash Rewards

ⓘ $180
1st Yr Value Estimate

$200 Cash Back
$200 after $1000 spend in 90 days
Click Here to Apply (this is NOT an affiliate link)

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: $200 back after $500 spend in 90 days [Expired 1/19]

Card Type: Visa Signature

Base

Travel

Dine

Gas

Grocery

Shop

Other

Earning rate: 3% back on your choice of the following: gas, online shopping, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ⚬ 2% back at grocery stores & wholesale clubs ⚬ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

Application Tips

Bank of America Application Tips

3/12 or 7/12 Rule: You won't be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts.
2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months.
5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open
Get Same Card Again: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card.
Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.

Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);

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Extreme stacking savings on holiday purchases

2 years ago

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A bundle of points with our bundle of joy: Nearly 200K points earned in the first month of life

2 years ago

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Question

3 years ago

Does Plastiq code as online shopping for this Bank of America Cash Back card? I may get the card based solely on that.

Greg The Frequent Miler

Author

Reply to Question

3 years ago

I don’t know. We should get reports about this soon.

Question

Reply to Greg The Frequent Miler

3 years ago

Thank you. I will follow up.

A product change that's better than expected

4 years ago

[…] was still possible to product-change from the Alaska card to Bank of America’s no-annual-fee Cash Rewards Card (sometimes called the “3-2-1 card”). It was quick and easy to make that change (and I […]

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