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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.



Slickdeals may be compensated by Bank of America.

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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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Deal
Score
+128
452,168 Views
$200 Bonus Offer
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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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 Dec 2007
L7: Teacher
> bubble2 2,004 Posts
44 Reputation
AnbuItachi
03-15-2021 at 02:41 PM.
03-15-2021 at 02:41 PM.
Rejected. kind of annoyed. 1st rejection in years.
Credit score 790
Opened 2 credit cards in the past 12 months ! none of which are BOA

It says rejection reason will be stated in the letter they are sending me
Reply
Joined Dec 2007
L7: Teacher
> bubble2 2,004 Posts
44 Reputation
AnbuItachi
03-15-2021 at 02:44 PM.
03-15-2021 at 02:44 PM.
Quote from maxpooga :
It only impacts your credit if it's more than 2 in a 12 month period. Even then, it's a low impact.

Experience: Never had credit til 6 years ago and now have near or over an 800 score with all 3 bureaus.
how are you so fast. ive had many years of credit history. my credit always hovers around 780 to 790 on FICO. never over 800. one area that is hurting my score is avg credit age, which is close to 5 years... not sure how you go up so fast
Reply
Joined Feb 2018
New User
> bubble2 4 Posts
10 Reputation
JuanF7928
03-16-2021 at 01:39 PM.
03-16-2021 at 01:39 PM.
Quote from ToMaToSauces :
I got one card for my wife and one for myself. $400 free cash... Good luck!
It worked out for me and wife. We reached our 1k spending. buy and paid off so I don't carry interest. Then use the 200 cashback to pay off it. 200 dollars free. Better than 0
2
Reply
Joined Jan 2006
L8: Grand Teacher
> bubble2 3,072 Posts
1,800 Reputation
jneset
03-20-2021 at 04:05 PM.
03-20-2021 at 04:05 PM.
Quote from Core2Quad :
I'm going to guess this card doesn't have extended warranty? Does anyone know?

Pretty sure it does, lookup benefits. They somehow hit me with an all too common foreign transaction fee on numerous PayPal payments and <1% don't register as .com is my fee months review of the card.
Reply
Joined Jun 2018
L2: Beginner
> bubble2 27 Posts
34 Reputation
ChristopherB3856
03-30-2021 at 09:58 PM.
03-30-2021 at 09:58 PM.
796 credit score. 2 other cards opened in the last year. Application denied.
Reply
Joined Jan 2015
L4: Apprentice
> bubble2 444 Posts
38 Reputation
jfm123
04-02-2021 at 06:48 PM.
04-02-2021 at 06:48 PM.
i remember getting declined for this a few years ago, not worth the trouble imo. there are better cards out there
Reply
Joined Feb 2015
I'm better with MiLK
> bubble2 1,202 Posts
230 Reputation
Ore0
04-04-2021 at 08:32 PM.
04-04-2021 at 08:32 PM.
aye aye aye x_x
1
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Joined Mar 2021
L3: Novice
> bubble2 126 Posts
22 Reputation
person62741198
04-05-2021 at 12:35 PM.
04-05-2021 at 12:35 PM.
Don't waste your time.

Twice I've had to call in because they didn't mark my online purchases as such. This time they sent me a disclaimer about what's not included in "online purchases". Crock! I could have used Citi and gotten 5%. BofA owes me.

Their website is absolute garbage. It took me hours to get my online account set up.

Their reps hang up 5 seconds into the call after you're on hold for 20 minutes waiting for them. Their reps won't transfer when you request a manager. I'd much rather deal with Citi's overseas reps than BofA's nasty ones. They say their location when they answer and it's always "cringe" when you get a certain state. Side note, the upstate New York reps are extremely helpful, friendly, and professional however!

Oh yeah, who wants their location sent out to gvt agencies ?????????????????!!! Say what!
3
Reply
Joined Feb 2015
L2: Beginner
> bubble2 28 Posts
10 Reputation
jjng26
04-12-2021 at 04:09 PM.
04-12-2021 at 04:09 PM.
Can you open a 2nd one if yours is already a VISA CB like this? I know some people mentioned they had Mastercard and able to open another.
Reply
Joined Jul 2015
L3: Novice
> bubble2 285 Posts
134 Reputation
ssiemonsma
04-12-2021 at 04:53 PM.
04-12-2021 at 04:53 PM.
Quote from jjng26 :
Can you open a 2nd one if yours is already a VISA CB like this? I know some people mentioned they had Mastercard and able to open another.

I believe you can only if the branding is different. The special editions of this card are counted separately (e.g. Susan G. Komen edition).
Reply
Last edited by ssiemonsma April 12, 2021 at 04:55 PM.
Joined Aug 2007
L10: Grand Master
> bubble2 8,186 Posts
2,723 Reputation
ellemdee
04-12-2021 at 08:23 PM.
04-12-2021 at 08:23 PM.
Quote from jjng26 :
Can you open a 2nd one if yours is already a VISA CB like this? I know some people mentioned they had Mastercard and able to open another.

I have two identical (different account numbers, of course) BofA Cash Back Visas. Both were opened in person at physical branches, several years apart.

The only reason I actually have both of them is that I received a call from my local branch telling me that all of the credit card accounts like mine were being automatically closed soon because a change in Federal regulations required B of A to update account terms and updating terms of an account required accounts to be closed. Of course that sounded highly suspect to me, since I've had terms of other accounts change all the time, but the rep said if I didn't make an appointment and come in to open a new replacement Visa card, I would be left without a credit card when my existing card automatically closed.

Of course, I didn't want to be left without a card so I went in for my appointment. Despite my suspicious questioning, the bank *still* insisted that this whole regulatory/account closing thing was happening. I asked if my new card could at least be a MasterCard (so that I could take advantage of MasterCard-specific deals *and* Visa deals, if I got stuck with both accounts when, as I knew would happen, my original account never magically closed), but I was told that, no, I would have to open a new Visa account in order for it to be considered a migration of my old closed account instead of a new account on my credit report. Sure sounds like it should just be a reissued card but okaaayyy.

Speaking of my credit report, as I questioned the B of A customer service reps at the branch about this odd regulatory forced account closing new account opening scheme I mentioned that forcing customers to do this if the bank was going to close their old accounts would actually lower their credit scores and I was assured that it would not. I had to point out that it would lower their average credit age to close an existing account and add a new credit account with an age of zero months, after which the customer service supervisor walked away, LOOKED INTO IT, came back and told me that I was right.

Side note: These online deals like this one about getting cash if you spend so much money in the first X number of months? They can totally do those in the branch even if they don't know how to enter it in the computer they just have to find the right code or whatever.

Side note 2: I let Visa know what B of A pulled and they were not happy.

So guess what happened after I opened that new identical Visa card?

I have two identical BofA Cash Back Visas. Both were opened in person at physical branches, several years apart.
Reply
Last edited by ellemdee April 12, 2021 at 08:25 PM.
Joined Jun 2006
L6: Expert
> bubble2 1,226 Posts
143 Reputation
wad2k6
04-13-2021 at 07:00 AM.
04-13-2021 at 07:00 AM.
Waste of time. BofA sucks. Tried a few months ago, 800 credit score, denied. My first denial ever. Also signed kid up for checking, and was told wouldn't be eligible for whatever bonus with that.. The worst part was there was a zero balance in checking, and they didn't know how to close it.. customer service sucks...idiots...got Cap One Savor with bonus yesterday, approved for 10k within an hour.Cap one is more gooder..😁
1
Reply
Joined Oct 2012
L1: Learner
> bubble2 15 Posts
10 Reputation
GarrettW6759
04-14-2021 at 11:58 AM.
04-14-2021 at 11:58 AM.
Would never do business with BOA. Go there is you want to be shit on
2
Reply
Joined Nov 2007
L6: Expert
> bubble2 1,435 Posts
221 Reputation
Magowin
04-15-2021 at 09:59 AM.
04-15-2021 at 09:59 AM.
Doubt I'll get one BOA canceled the card I had from them out of the blue prob cause I never used it cause the interest rate was so high. It was my oldest card too so my credit score took a hit cause my credit history went from 12 to 6 years.
1
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Joined Jul 2014
Da Beast
> bubble2 380 Posts
103 Reputation
spheal
04-15-2021 at 01:47 PM.
04-15-2021 at 01:47 PM.
I hate this bank. I remember signing up for automatic payments and they said it wouldn't take effect for a month, so I had to call them before my statement was due to give them all my information (couldn't just look it up), so I could request a payment. Got my reward and account was deactivated a year later. Not a fun bank to work with when the rest are up-to-date and not archaic.
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