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Bank of America Credit Card: 0% APR for 15 months + Cashback +$300 bonus

NJ101 208 July 15, 2012 at 01:05 PM in Finance (5)
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Deal Details

https://consumer.bankofamerica.co...=2080116#b
  • The BankAmericard Cash Rewards™ MasterCard® credit card
  • More Cash Back for the things you buy most
  • 1% cash back on purchases everywhere, every time
  • 2% cash back on groceries
  • 3% cash back on gas
  • Quarterly maximum applies to bonus rewards on grocery and gas purchases
  • $300 cash reward bonus after qualifying purchases
  • Rewards are earned automatically and they don't expire
  • No annual fee

*If you transfer the bonus to your BoA checking or savings account, you could earn an additional 10% ($30 for this)!
"Cash rewards redeemed into a Bank of America checking or savings account will be 10% greater than the other types of cash rewards ($25 in cash rewards = $27.50 deposit)."

Bank Of America Credit Card
866-458-8805 (Credit Analyst) <---- For reconsideration.
877-721-9405 (Application status press 3)
Bank of America Application Status: https://www5.bankofamerica.com/cr...ion.action
About the OP
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Joined Nov 2007 YA RLY
208 Reputation Points
6 Deals Posted
10 Votes Submitted
87 Comments Posted

Community Wiki

Last Edited by GeoffreyN July 18, 2012 at 10:42 AM
LINK DEAD (?) . Can no longer apply. You can't apply over the phone without apply using the link first.

Fine Prints:
Bonus Cash Rewards Offer. You will qualify for $300 bonus cash rewards if you use your new account to make any combination of Purchase transactions totaling at least $500 (exclusive of any transaction fees, returns and adjustments) that post to your account within 90 days of the account open date. Limit one (1) bonus cash rewards offer per new account. This one-time promotion is limited to new customers opening an account in response to this offer. Allow 8-12 weeks from qualifying for the bonus cash rewards to post to your rewards balance.

RE: “Quarterly maximum applies to bonus rewards on grocery and gas purchases”
per BoA analyst the maximum is $1,500 in rewards each quarter so you would either need to spend $50K in gas or $75K in groceries to hit the limit
The max $1500 is not rewards, $1500 refers to the purchases - newmin

Specific terms:
Quote :
You will earn total cash rewards of 2% (consisting of 1% bonus cash rewards and 1% base cash rewards) for net purchases at eligible grocery merchants and 3% (consisting of 2% bonus cash rewards and 1% base cash rewards) for net purchases at eligible gas merchants (the "Bonus Categories"), for the first $1,500 of combined net purchases made during each calendar quarter in the Bonus Categories. The calendar quarters are: January through March, April through June, July through September and October through December of each year.
Can a BankAmericard Cash Rewards™ Visa® credit card holders eligible for this deal?
Yes.

Anybody able to apply over the phone without first apply online?
No one

Anybody got instant approval?
No one

Is this real offer?
On clicking "Can I apply over the phone?", as it is NOT SHOWING OFFER CODE, it could be targeted for selected people. So, no guarantee yet. -- CODE SHOULD BE "2080116". <--- This code hasn't worked for anyone signing up without signing up beforehand online. The code should be alphanumeric starting with a 'V'.


Question to others
Can I convert this card to different varieties of BankAmericard Card Rewards card like U of Michigan, Virgina, Cal, Penn State, Texas, Texas A&M, UCLA, USC, etc after I get the cash reward?

Link to the different varieties of card (like U of Michigan, Virgina, Cal, Penn State, Texas, Texas A&M, UCLA, USC, Military/Patriotic, different Charitable Causes, ALL MLB teams, etc).
https://www.bankofamerica.com/mye...entid=ALUM

I have better luck with this application status link than the one listed in the OP which didn't work for me. https://www.bankofamerica.com/app...us-form.go

591 Comments

1 2 3 4 5

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#3
This one-time promotion is limited to new customers opening an account in response to this offer

i have a BOA Cash Rewards Visa card...can i apply for this card and get the $300?
Reply Helpful Comment? 0 0
#4
Balance Transfer Fee: Either $10 or 4% of the amount of each transaction, whichever is greater. I suppose you could use the $300 to offset the fee however
Reply Helpful Comment? 0 0
#5
TU.

Question - What are qualifying purchases?

"$300 cash reward bonus after qualifying purchases"
Reply Helpful Comment? 0 0
#6
Quote from Deshi View Post :
TU.

Question - What are qualifying purchases?

"$300 cash reward bonus after qualifying purchases"
Bonus Cash Rewards Offer. You will qualify for $300 bonus cash rewards if you use your new account to make any combination of Purchase transactions totaling at least $500 (exclusive of any transaction fees, returns and adjustments) that post to your account within 90 days of the account open date. Limit one (1) bonus cash rewards offer per new account. This one-time promotion is limited to new customers opening an account in response to this offer. Allow 8-12 weeks from qualifying for the bonus cash rewards to post to your rewards balance.
Reply Helpful Comment? 0 0
YA RLY
208 Reputation
Original Poster
#7
Quote from Deshi View Post :
TU.

Question - What are qualifying purchases?

"$300 cash reward bonus after qualifying purchases"
Here you go ...

"Bonus Cash Rewards Offer. You will qualify for $300 bonus cash rewards if you use your new account to make any combination of Purchase transactions totaling at least $500 (exclusive of any transaction fees, returns and adjustments) that post to your account within 90 days of the account open date. Limit one (1) bonus cash rewards offer per new account. This one-time promotion is limited to new customers opening an account in response to this offer. Allow 8-12 weeks from qualifying for the bonus cash rewards to post to your rewards balance."
Reply Helpful Comment? 0 0
#8
do i have to have a dead $1500 on checking account at any given time to open this credit card?
Reply Helpful Comment? 0 0
#9
Quote from microkelvin View Post :
do i have to have a dead $1500 on checking account at any given time to open this credit card?
I don't see why you would, as this is a credit card and not a checking account bonus promotion.
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YA RLY
208 Reputation
Original Poster
#10
Quote from microkelvin View Post :
do i have to have a dead $1500 on checking account at any given time to open this credit card?
No, but you do receive a 10% bonus when you deposit your rewards into your BoA checking or savings account.

"Cash rewards redeemed into a Bank of America checking or savings account will be 10% greater than the other types of cash rewards ($25 in cash rewards = $27.50 deposit)."
Reply Helpful Comment? 0 0
#11
Hmm, I have that card in the Visa flavor. $300 cash back sounds nice..

I should cancel all these damn cards I don't use so I can use these promotions without worrying about a hard pull for something I am not eligible for.
Reply Helpful Comment? 0 0
#12
I am thinking about getting a BOA CC just for virtual CC service they offer.
Reply Helpful Comment? 0 0
#13
Blinded by the chance to make BOA pay me hundreds more dollars, without incurring any fees, I applied, but no instant approval. I think I've been getting too carried away lately with credit card signup offers, and it just caught up to me.
Reply Helpful Comment? 0 0
#14
Just got a Chase Freedom card a couple months ago for their $300 CB offer...might be opening a BOA one now too. I like how their cashback amounts are constantly in the areas that I spend the most on, instead of jumping around like Discover and Chase.
Reply Helpful Comment? 0 0
#15
Does BOA have a reconsideration line?
Reply Helpful Comment? 0 0
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