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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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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

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#46
Quote from ellemdee View Post :
I'm wondering what their definition of "new customer" is as well. I have BofA checking & savings accounts, but no BofA CC's....so technically I would be an existingBofA banking customer but a new BofA CC customer...I guess...Confused
You should be eligible for the offer. I got $100 CB for a CC when I had checking and savings accounts with them.
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#47
I have Savings A/c and Checking A/c with BOA but no CC, so I am assuming new account to be eligible means new CC accounts and I am eligible?? Anyone?
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#48
Why not Smilie
thanks
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#49
Quote from QuickStriker View Post :
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?
I'm a college student with no job and I have a few cards. Although I don't have any debt and I receive a refund from my school which is considered income. It never hurts to try to apply. But with that being said, don't get the card unless you have the money to cover expenses.
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#50
Am I denied?

***************

Thank you for submitting a credit card application.

Your business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time.

You will receive a written response within the next 30 days.

You will now be leaving this Web site. The site that you are being forwarded to may have privacy and security policies that differ from our site. The owner of that Web site is solely responsible for the products, services and content on its Web site.
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#51
I had signed up for their $100 cashback for opening a checking account. I had to go through endless hell to get the bonus, including a visit to a bank officer with a transcript of numerous chat sessions. Their incompetence is off the chart.

I personally wouldn't want anything to do them no matter what the promotion was. I kept getting mail from them long after closing the account and telling them to stop sending their junk mail. I finally just started marking it "return to sender" before it finally stopped.

Good luck if it sounds good nod. I believe you'll need it.
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#52
Quote from baicaiyezi View Post :
Am I denied?

***************

Thank you for submitting a credit card application.

Your business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time.

You will receive a written response within the next 30 days.

You will now be leaving this Web site. The site that you are being forwarded to may have privacy and security policies that differ from our site. The owner of that Web site is solely responsible for the products, services and content on its Web site.
prob not. I got the same message too and i have great credit score. last time i check was like 750+. And I saw few people here mention they have good credit score as well that receive the same message.
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#53
Sorry, these guys are crooks and I won't reward them with my business

TD

Chase is much better company!
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#54
I just ordered a BOA Visa with $100 cashback, so I called and asked if I could switch it to a BOA Mastercard with $300 Bashback. However, they said I could apply for the Mastercard even though I was just approved for the Visa. They said that the Mastercard and the Visa cards were different, so I could order both.
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#55
I got same message as "Thank you for submitting a credit card application..." and I know my score is like 825+, so not sure why such message but I am sure I will get the confirmation soon!
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#56
I must be blind, but I don't see any offer about 15 months interest free?
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#57
did anyone get instant approval? seems like everyone is getting the 30 day decision thing
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#58
Quote from rpacer View Post :
prob not. I got the same message too and i have great credit score. last time i check was like 750+. And I saw few people here mention they have good credit score as well that receive the same message.
Got the same message.
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#59
I have a bofa Credit Card with Power Rewards. can i still qualify as NEW Customer only?
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#60
Mad Is BOA CC approval system unable to handle the applications! Everyone getting a 30 day delays in so called instant approval...
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