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

NJ101 89 208 July 15, 2012 at 01:05 PM in Finance (5)
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Last Edited by NJ101 July 15, 2012 at 03:08 PM
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
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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(TM) Visa(R) 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

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Joined Dec 2005
Frys FAR deals searcher
4,113 Posts
2,797 Reputation
#16
Thanks OP for the great deal.

$300 easy money is worth the credit pull and a new card. Wish the cash back was better but 3-2-1% is still good.
Reply Helpful Comment? 0 0
Joined Nov 2007
YA RLY
89 Posts
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Original Poster
#17
Quote from eryeal View Post :
Does BOA have a reconsideration line?
Bank Of America Credit Card
866-458-8805 (Credit Analyst) <--- this one
877-721-9405 (Application status press 3)

Bank of America Application Status: https://www5.bankofamerica.com/cr...ion.action
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#18
Well, last time I checked I was unqualified for any CC I can make without co-signing because I was still a college student with college loans debt and no job. I graduated and got my first job just last week, how soon/quick would my sudden status change would allow me to actually be qualified without co-signing?
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#19
Quote from eryeal View Post :
Does BOA have a reconsideration line?
Best I could find:

Bank of America:
Online
Phone1: 800-932-2775 - 3, 2, ssn#, agent even if still under review
*if app is still pending, agent will transfer you to a credit specialist for instant decision
Phone2: 888-260-4696 - live agent for secured cards
Phone3: 866-227-1553. If EXP is frozen, ask to speak with a credit analyst, who may be able to pull an alternate bureau and give an instant decision.
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#20
could not give me an "instant decision", said i would have a response within 30 days. So cant give it a thumbs up just quite yet...
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#21
Yeah I'd like to know too . I just got the BOA Visa that had $100 cash back. Should have held out.

Quote from jaksiemas40 View Post :
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?
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#22
where is the visa sinagure version?
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#23
No instant decision here either (Expected as my other BOA CC has more than it usually does on it currently so credit/debt ratio is slightly out of whack). However when I go to look at application status, it says it cant find anything about it. Odd. Anyone else have that problem?

Wondering if I should just call the number and get it hammered out really quickly.
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#24
Quote from Lamplitersniper View Post :
No instant decision here either (Expected as my other BOA CC has more than it usually does on it currently so credit/debt ratio is slightly out of whack). However when I go to look at application status, it says it cant find anything about it. Odd. Anyone else have that problem?

Wondering if I should just call the number and get it hammered out really quickly.
same here- info probably isn't in that online system yet
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#25
Hopefully Chase Freedom switches on their previous promotion of $300 cashback. I could have used it easily after ordering two Nexus 7's.
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#26
huh, didn't get declined said something about needing more time to analyze I guess. whateves just want mah check!!
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Joined Aug 2009
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#27
Aww man just got this cars with 200 bonus. Frown
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#28
Might do this... I really don't need another card, but I need to buy a ring soon and would like the 15mo no interest for both the ring and potential LASIK I am considering.

May just go with a Citi card. I constantly receive their offers for 21 months no interest.

Decisions!!
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#29
Make sure to cancel the card before 15 months are up. Can you cancel after getting the cash back????
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#30
I have BoA visa card. Would I be eligible for $300 offer?
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