Slickdeals is community-supported.  We may get paid by brands for deals, including promoted items.
Sorry, this deal has expired. Get notified of deals like this in the future. Add Deal Alert for this Item
Frontpage Advertiser Disclosure

Bank of America® Customized Cash Rewards Credit Card Expired

$200 Bonus Offer
w/ $1K in eligible purchases
+128 Deal Score
466,317 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.

Original Post

Written by
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.
If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
Score
+128
466,317 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.

319 Comments

Your comment cannot be blank.

Featured Comments

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. :|

Sign up for a Slickdeals account to remove this ad.

Joined Sep 2011
L1: Learner
> bubble2 22 Posts
10 Reputation
Techbee09
08-11-2021 at 03:35 AM.
08-11-2021 at 03:35 AM.
I received this offer today. Converting one of the old BoA credit card, will affect the credit history? Will there be any entry in the credit report?
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,364 Posts
4,346 Reputation
Knightshade
08-11-2021 at 06:43 AM.
08-11-2021 at 06:43 AM.
Quote from Techbee09 View quoted comment :
I received this offer today. Converting one of the old BoA credit card, will affect the credit history? Will there be any entry in the credit report?
Shouldn't impact credit history at all if # does not change.

Only time # changes is usually if you're doing something like converting a mastercard to a visa
Reply
Joined Jan 2015
L3: Novice
> bubble2 167 Posts
22 Reputation
black_schlong
08-12-2021 at 09:46 AM.
08-12-2021 at 09:46 AM.
I wouldn't put my credit rating in jeopardy just to get this deal. Kind of defeats the purpose. 760+ should be ok for this though.
Reply
Joined Feb 2017
L5: Journeyman
> bubble2 679 Posts
69 Reputation
bobbyS33
08-13-2021 at 08:23 PM.
08-13-2021 at 08:23 PM.
I just received the ad in my mail, I do have bofa cash reward credit card for years, maybe it is a good time to upgrade? It says it won't affect my credit because it is an upgrade...hmmmm
Reply
Joined Feb 2017
L5: Journeyman
> bubble2 679 Posts
69 Reputation
bobbyS33
08-13-2021 at 08:24 PM.
08-13-2021 at 08:24 PM.
Quote from Techbee09 View quoted comment :
I received this offer today. Converting one of the old BoA credit card, will affect the credit history? Will there be any entry in the credit report?

In the letter they sent me it says it will not affect credit score.
Reply
Joined Feb 2011
L10: Grand Master
> bubble2 9,298 Posts
381 Reputation
erictom
08-14-2021 at 06:35 PM.
08-14-2021 at 06:35 PM.
I got a card switch offer, $200/$1000 spend
Reply
Joined Aug 2013
L5: Journeyman
> bubble2 680 Posts
110 Reputation
Sobotka
08-17-2021 at 06:49 PM.
08-17-2021 at 06:49 PM.
im commenting just to say i HATE the plastic stock used to make these cards. They're a thinner plastic and the chip wears super quick. I had to have mine replaced recently and I asked if i could pay for a thicker or metal card. The rep said no, that was what they used on all cards and i guess they touted the thinner plastic as a benefit. Which i guess is true but it hugely sacrifices how long they last and how cheap they feel.
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Aug 2016
L3: Novice
> bubble2 116 Posts
23 Reputation
sml5556
08-17-2021 at 10:23 PM.
08-17-2021 at 10:23 PM.
Quote from sdskees View quoted comment :
I switched because I already have two of these cards (one Visa, the other a Mastercard) and I'm not using either one, and they're probably close to closing both accounts for inactivity anyway. For every 3% category offered on there (aside from the online purchases one), I have other cards that get me 4% or 5% anyway. I'll probably be done with this card once I hit my $1000 in purchases other than to do a small purchase every now and then to keep the credit line alive.

The one they're offering to change over originally didn't even have any rewards at all. It was one of my first credit cards ever from 15 years ago that I got just to "have credit" and they changed it over to the current one about 2 or 3 years ago.
How soon did you receive the card after switching?
Reply
Joined Oct 2005
L10: Grand Master
> bubble2 7,445 Posts
4,191 Reputation
rc9238
08-19-2021 at 06:16 PM.
08-19-2021 at 06:16 PM.
Quote from sml5556 View quoted comment :
How soon did you receive the card after switching?
I'm not the person you asked, but I received the card in a little less than 3 weeks after switching.
Reply
Joined Jul 2016
L2: Beginner
> bubble2 82 Posts
18 Reputation
ItsAllAbtMoneyHoney
08-20-2021 at 05:10 PM.
08-20-2021 at 05:10 PM.
Quote from bobbyS33 View quoted comment :
I just received the ad in my mail, I do have bofa cash reward credit card for years, maybe it is a good time to upgrade? It says it won't affect my credit because it is an upgrade...hmmmm

Make sure the offer they sent you is the same where they give you a choose to select the category of your choice for 3%, they are also asking the cash rewards existing members to convert into unlimited 1.5% , that means, you will lose the category selection option, and every purchase with be same 1.5% rewards
Reply
Joined Jul 2016
L1: Learner
> bubble2 22 Posts
26 Reputation
lifedeals.luck
08-21-2021 at 03:33 AM.
08-21-2021 at 03:33 AM.
Hi guys, I am kinda confused. So I have cash rewards card basic one (first credit card i ever got) and been using for 4 years and it already gives me 3% cash back for a category i choose. but how does the gray card's 1.5% cash back a good thing? like why would one be interested in getting another credit card that has lower cash back? I do see that you can add up those bonuses or something but does it add up for only one category you choose? what about the rest? can someone kinda break this down the cash rewards percentages more exactly?
Reply
Joined Feb 2006
~ Always Spinning ~
> bubble2 4,994 Posts
1,762 Reputation
Pro
Tazmania99
08-21-2021 at 07:31 AM.
08-21-2021 at 07:31 AM.
The answer is simple. If you find a credit card that is not beneficial to you, then don't sign up or convert your old card to it.

Credit cards with a fixed cashback rate are usually served as a backup card for purchases outside the categories that earn high cashback rates from other credit cards you have. For instance, Card A is currently has 3% on rotating categories like groceries. Card B offers a straight 1.5% on all purchases. So when you go to supermarket, of course you will swipe Card A to earn 3%. When you pay your utility bill, however, you will put your expense on Card B and earn 1.5% since Card A will only have 1%.

Smart consumers will have more credit cards issued by different banks to take most advantage of credit card rewards/cash back. For instance, Discover and Chase Freedom Flex has 5% CB on rotating categories quarterly. Citi Custom Cash has 5% CB on the top spending category of the month. Citi Double Cash gives you 2% back on all purchases. AMEX has AMEX Offers with tremendous discount from various merchants (Ex. $200 off $600 from Dell, $25 off $75 from Chewy).

Quote from lifedeals.luck View quoted comment :
Hi guys, I am kinda confused. So I have cash rewards card basic one (first credit card i ever got) and been using for 4 years and it already gives me 3% cash back for a category i choose. but how does the gray card's 1.5% cash back a good thing? like why would one be interested in getting another credit card that has lower cash back? I do see that you can add up those bonuses or something but does it add up for only one category you choose? what about the rest? can someone kinda break this down the cash rewards percentages more exactly?
Reply
Last edited by Tazmania99 August 21, 2021 at 07:33 AM.
Joined Apr 2021
New User
> bubble2 11 Posts
10 Reputation
MemorableLlama8551
08-22-2021 at 05:48 AM.
08-22-2021 at 05:48 AM.
Quote from bluekiwi View quoted comment :
I had 3 cc with BofA, they closed 2 of them a few months ago and the 3rd they dropped the limit to $500 all because I was not using them. 800 score and $0 balance on all cc (not just BofA) before they closed them,
wondering if they would approve me.

Them closing the accounts dropped my score to 765 (the accounts were old and the limits were high)

Call them and tell them to reopen those two old accounts and promise them you will use them a lot and will make a big purchase on it. They can reopen it. I've done it before.
Reply
Joined Jul 2015
New User
> bubble2 7 Posts
10 Reputation
viccer
08-22-2021 at 02:45 PM.
08-22-2021 at 02:45 PM.
Got approved instantly with this card. I do have 809 credit. I'll use the card for crypto mining buying gpus. This is awesome!
1
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Nov 2018
L3: Novice
> bubble2 166 Posts
26 Reputation
Beckles
08-23-2021 at 08:06 AM.
08-23-2021 at 08:06 AM.
I have a couple of old BofA credit card accounts I never use, about two weeks ago I got a letter from them in the mail offering to convert one of my existing accounts to this product, including the $200 cash bonus after spending $1k, so I jumped all over that. I actually didn't realize it had the 3% bonus category until I saw this thread and checked my account, and I'm a Platinum Honors client so it gets umped to 5.25% for the bonus category.
1
Reply
Page 17 of 22
Start the Conversation
 
Link Copied

The link has been copied to the clipboard.