There's no signing.
High rewards for certain Bank of America and Merrill Lynch customers.
You may redeem your rewards points online or by phone.This card pays 6 cash back.S.Credit card terms and sign-up bonuses are subject to change from the time of this review.You can maximize your rewards by using your card for all your gas, grocery, last call gifts and drugstore purchases during the introductory purchases.Gas stations and select.S.At 4, the balance transfer fee is slightly higher than many other credit cards.In addition, you can see how this card compares with other cash-back cards by visiting our top credit cards page.The cash advance APR.99.99 depending on the type of cash transaction.Most credit-card sign-up bonuses work like the one on the Bank of America Cash Rewards credit card: Spend a certain amount in your first few months with the card, then collect the bonus.
The high reward rates make the 95 annual fee worth it for many families.
If youre not a customer, though, the value proposition is a lot weaker.
Bank of America checking or savings customers get a 10 bonus on redemption, pushing the effective reward rates.3,.2 and.1.
This card earns 5 cash back on rotating categories that you activate, on up to 1,500 a quarter in spending, and 1 on everything else.
Bank of America Cash Rewards credit card: Benefits.
Several other no-fee cash-back cards offer longer 0 periods on purchases.
But things really get good if you have at least 20,000 in combined accounts at Bank of America, Merrill Lynch or Merrill Edge.Bank of America Cash Rewards credit card: Alternatives.Read our review, loyalty pays when you carry the, bank of America Cash Rewards credit card.For a simple, high uncapped rewards rate: Citi Double Cash Card 18 month BT offer.Credit Card Reviews, cash Rewards, image Source / Creative RF / Getty.
You get 3 on gas and 2 at grocery stores and wholesale clubs on up to 2,500 in combined gas/grocery/wholesale club spending per quarter.
The 200 bonus is in line with what other 0-annual-fee cash-back cards offer.