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Bank of America® Customized Cash Rewards Credit Card Expired

$200 Bonus Offer
w/ $1K in eligible purchases
+128 Deal Score
452,168 Views
Update: This popular deal is still available

Bank of America is offering a $200 cash rewards bonus offer after you make at least $1000 in purchases within the first 90 days of account opening with their Bank of America Customized Cash Rewards credit card. There is no annual fee.

Thanks to community member ToMaToSauces for finding this deal.



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Edited September 28, 2021 at 08:36 AM by
Bank of America is offering a $200 cash rewards bonus offer after you make at least $1000 in purchases within the first 90 days of account opening with their Bank of America® Customized Cash Rewards credit card. There is no annual fee.



Slickdeals may be compensated by Bank of America.
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Got rejected, have a 780ish credit score. Maybe too many credit card sign ups recently
·
From what I could find online regarding BofA these are their restrictions for credit cards:

- You can only get approved for 2 new cards in a 30-day period
- You can only get approved for 3 new cards in a 12-month period
- You can only get approved for 4 new cards in a 24-month period

Apparently it only looks at BofA cards. Where as the Chase 5/24 rule looks at any credit card issued to you, regardless of which company issued it to you.

Edit: Adding the 7/12 and 3/12 rules for BofA higher up to this comment.

"7/12 and 3/12 rule"

"According to this rule, customers with a BofA deposit account will not be approved for new cards if they've opened seven cards (across all issuers) in the last 12 months, while customers without a BoA deposit account will be rejected if they've opened three or more cards in the last 12 months."

Source: https://thepointsguy.com/guide/cr...trictions/
·
Also rejected - 820 credit score and i have no BoA credit cards (never have). They did hit me with a hard credit check though. :|
·

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Joined Nov 2006
Poor
> bubble2 3,222 Posts
313 Reputation
workerant
02-22-2021 at 09:40 AM.
02-22-2021 at 09:40 AM.
Quote from larrydavid123 :
Got rejected, have a 780ish credit score. Maybe too many credit card sign ups recently
Note that BOA play politic too, that might be the cause.

Best stay away from BOA.
3
Reply
Joined Nov 2006
Poor
> bubble2 3,222 Posts
313 Reputation
workerant
02-22-2021 at 09:44 AM.
02-22-2021 at 09:44 AM.
Quote from audioeng :
Watch out slickers! Bank of america reports your transactions to authorities guessing what they consider possible crimes as they deem appropriate. Gov agency need not provide them a warrant. Be very careful with this banker!
Agree. Scary time. Best stay away from BOA.
3
Reply
Joined Mar 2013
L5: Journeyman
> bubble2 971 Posts
116 Reputation
aaa187
02-24-2021 at 09:46 AM.
02-24-2021 at 09:46 AM.
Quote from tygron :
Do either of these apply to you?

"7/12 and 3/12 rule"

"According to this rule, customers with a BofA deposit account will not be approved for new cards if they've opened seven cards (across all issuers) in the last 12 months, while customers without a BoA deposit account will be rejected if they've opened three or more cards in the last 12 months."

Source: https://thepointsguy.com/guide/cr...trictions/
Nope,

none applied to me and still got rejected
Reply
Joined Dec 2010
(c) 1992 Red Dwarf Corp.
> bubble2 3,892 Posts
589 Reputation
User1162812
02-24-2021 at 10:19 AM.
02-24-2021 at 10:19 AM.
$200 cash rewards bonus offer after you make at least $1000 in purchases within the first 90 days
Going to Vegas in May. Just in time.
1
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Joined Dec 2010
(c) 1992 Red Dwarf Corp.
> bubble2 3,892 Posts
589 Reputation
User1162812
02-28-2021 at 01:30 PM.
02-28-2021 at 01:30 PM.
Applied and was approved. Only $8K though. Wife was approved for $5K. $200 + $200 will pay for most of our food in Vegas Smilie

We have Discover with $16K but never go over $5K and always pay it B4 the interest charges kick in.
1
1
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Joined Mar 2006
L9: Master
> bubble2 5,934 Posts
1,166 Reputation
Core2Quad
03-04-2021 at 01:27 AM.
03-04-2021 at 01:27 AM.
I'm going to guess this card doesn't have extended warranty? Does anyone know?
Reply
Joined Feb 2015
I'm better with MiLK
> bubble2 1,202 Posts
230 Reputation
Ore0
03-09-2021 at 03:36 PM.
03-09-2021 at 03:36 PM.
run....run far away.....dont trust bank of america....they arrested the developer who created the secure system that we all know....because the federal bureau loves attacking its own
2
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Joined Nov 2010
L1: Learner
> bubble2 13 Posts
10 Reputation
jptl2461
03-10-2021 at 02:08 PM.
03-10-2021 at 02:08 PM.
Have it both personally and for business and earn 1.75% CB on each purchase at minimum as have preferred status with them. Plus the upfront CB is timely. BofA does have higher rate of decline; ran into that with them in the past, not so much in last few years. Credit typically between 790-825. They also show FICO score which is good.
Reply
Last edited by jptl2461 March 10, 2021 at 02:09 PM.
Joined Jul 2017
L6: Expert
> bubble2 1,412 Posts
164 Reputation
slicksdeal
03-10-2021 at 02:24 PM.
03-10-2021 at 02:24 PM.
Great card for online shoppers
Reply
Joined Apr 2019
L3: Novice
> bubble2 123 Posts
68 Reputation
Valleybuy6484
03-10-2021 at 07:39 PM.
03-10-2021 at 07:39 PM.
At least on three occasions , the card didn't pay 3% for online shopping and said they go by merchant codes. These were big ticket online purchases. The customer service is horrible and takes long time to reach for rewards related issues that get dragged for weeks and is by means of paper communications handled by different department. So don't go by getting 3% always.
Reply
Joined Jul 2016
New User
> bubble2 5 Posts
10 Reputation
texnomar
03-11-2021 at 05:36 AM.
03-11-2021 at 05:36 AM.
Good friends, my debit card is about to expire and the replacement card sent by the bank by mail seems to have been lost, in the app there is an option to report loss but I don't know if it is the card they sent me or the one already I have. I find it difficult to go to an agency. they know something about it. Thank you
Reply
Joined Dec 2014
L10: Grand Master
> bubble2 7,653 Posts
483 Reputation
someoneslick
03-14-2021 at 01:49 PM.
03-14-2021 at 01:49 PM.
Does anyone know if BOA ALWAYS lets you keep the cash back when you return an item? I have returned items before or had partial refunds, and they have not taken the cash back away.

I am trying to decide whether to return an item or not because on ebay I'd only get $20 profit, but returning it would have me with $26 cash back if it's not taken away, so more profitable to just return it...
4
Reply
Joined Dec 2014
L10: Grand Master
> bubble2 7,653 Posts
483 Reputation
someoneslick
03-14-2021 at 01:52 PM.
03-14-2021 at 01:52 PM.
Quote from Valleybuy6484 :
At least on three occasions , the card didn't pay 3% for online shopping and said they go by merchant codes. These were big ticket online purchases. The customer service is horrible and takes long time to reach for rewards related issues that get dragged for weeks and is by means of paper communications handled by different department. So don't go by getting 3% always.
They didn't give me the 3% for a lenovo purchase or a shopblt purchase. The shopblt one says .com right in the charge on the card and yet somehow that wasn't an online purchase...

Lenovo is a mighty known company to not be getting considered to be an online purchase when rodering from them!

I would call and try to get it, but now i reached the quarterly $2500 limit anyway. Good thing I have 2 BOA cards so that is $5l per quarter I can get it for.

Also, what's WEIRD is purchases through paypal DO count as online purchases. I figured those would be the ones they'd not consider online purchases.
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Joined Apr 2019
L3: Novice
> bubble2 123 Posts
68 Reputation
Valleybuy6484
03-14-2021 at 01:58 PM.
03-14-2021 at 01:58 PM.
Quote from someoneslick :
They didn't give me the 3% for a lenovo purchase or a shopblt purchase. The shopblt one says .com right in the charge on the card and yet somehow that wasn't an online purchase...

Lenovo is a mighty known company to not be getting considered to be an online purchase when rodering from them!

I would call and try to get it, but now i reached the quarterly $2500 limit anyway. Good thing I have 2 BOA cards so that is $5l per quarter I can get it for.

Also, what's WEIRD is purchases through paypal DO count as online purchases. I figured those would be the ones they'd not consider online purchases.

I called them and it's messy and are confused themselves , one support person told that I changed the category other person told I reached limits and another one said MCC code is different . Is there a way to dispute ?
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Joined Dec 2014
L10: Grand Master
> bubble2 7,653 Posts
483 Reputation
someoneslick
03-14-2021 at 02:02 PM.
03-14-2021 at 02:02 PM.
Quote from Valleybuy6484 :
I called them and it's messy and are confused themselves , one support person told that I changed the category other person told I reached limits and another one said MCC code is different . Is there a way to dispute ?
I don't even know. That's why I am just not even fooling with calling them, since I reached the limit. Had I not accidentally reached it by using one card vs the other card, I'd be claling them and be in the same emss of a situation as you are dealing with, I bet. And other CC companies have even worse service than theirs too. It's a big headache calling anyone.

And for my 2 purchases I mentioned that was at least an extra $30 I would have had.
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