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Bank of America® Customized Cash Rewards Credit Card Expired

$200 Bonus Offer
w/ $1K in eligible purchases
+128 Deal Score
466,277 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.



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Deal
Score
+128
466,277 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 May 2008
L6: Expert
> bubble2 1,073 Posts
215 Reputation
kaimanson
08-24-2021 at 05:04 AM.
08-24-2021 at 05:04 AM.
Quote from Beckles View quoted comment :
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.

If you run high balances thru the ur card and payoff right away the new silver unlimited could be more beneficial for u. As a Platinum honors you would get 2.65% cash back unlimited. If u don't run that many transactions then the cash rewards is a better choice. Keep in mind the cash rewards 3% is capped at $ 2,500 per quarter (3 months). So once u spend that amount on the 3% category, the 3%-2% goes down to 1%.
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Last edited by kaimanson August 24, 2021 at 05:08 AM.

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Joined Jul 2005
L8: Grand Teacher
> bubble2 3,827 Posts
595 Reputation
corazones
08-24-2021 at 03:48 PM.
08-24-2021 at 03:48 PM.
Quote from cgigate View quoted comment :
Capital one cards are decent, the only card can easily generate the virtual card nowadays....
Loved BoA cards previous "ShopSafe" for virtual cards, the feature gone made me sad.
Citi and Apple Card also let u generate virtual credit card number. For everything else, I prefer Privacy app.
1
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Joined Dec 2008
L7: Teacher
> bubble2 2,590 Posts
743 Reputation
the.barbrR
08-26-2021 at 11:30 AM.
08-26-2021 at 11:30 AM.
FYI I had a Bank Americard and CS was able to convert this to this Rewards Card without any credit check. $200 CB offer included
Reply
Joined Oct 2011
L5: Journeyman
> bubble2 967 Posts
234 Reputation
Wpeed001
08-28-2021 at 04:05 AM.
08-28-2021 at 04:05 AM.
Quote from duckeggs View quoted comment :
200 dollars to go into debt. Nice trap

Not if you pay it off every month?
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Joined Dec 2014
L2: Beginner
> bubble2 61 Posts
akplaya92
09-02-2021 at 05:29 AM.
09-02-2021 at 05:29 AM.
Quote from the.barbrR View quoted comment :
FYI I had a Bank Americard and CS was able to convert this to this Rewards Card without any credit check. $200 CB offer included
Same here. I put the promo code in they mailed me to convert my old card. Its been about two weeks for me and I still haven't gotten my new card though. I called them yesterday and they said I should get the card within the next 10 business days.
Reply
Joined Dec 2008
L7: Teacher
> bubble2 2,590 Posts
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the.barbrR
09-02-2021 at 07:28 AM.
09-02-2021 at 07:28 AM.
Quote from akplaya92 View quoted comment :
Same here. I put the promo code in they mailed me to convert my old card. Its been about two weeks for me and I still haven't gotten my new card though. I called them yesterday and they said I should get the card within the next 10 business days.

Yea it took forever to get my card. I think like 3 to 4 weeks.
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Joined Oct 2017
L2: Beginner
> bubble2 46 Posts
22 Reputation
AllenKM
09-03-2021 at 09:45 AM.
09-03-2021 at 09:45 AM.
Quote from shortprong View quoted comment :
I was going to get this card until I saw this. Thanks. Can you imagine being the innocent person that the FBI interviewed because of this company?
Don't try to storm the Capitol and you don't have to worry. See how I used your own Republican rhetoric against you?
2
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Joined Nov 2012
L3: Novice
> bubble2 120 Posts
82 Reputation
mason.smith1975
09-03-2021 at 05:39 PM.
09-03-2021 at 05:39 PM.
Quote from MemorableLlama8551 View quoted comment :
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.

They closed one of my credit card with 25k limit on it because I kinda forgot to use it. Called them to reopen and they said once the account is closed there's no way to reopen. Sad!

Edited: Just called the number on the back of the card and they refused to reopen the account.
Reply
Last edited by mason.smith1975 September 3, 2021 at 06:10 PM.
Joined Nov 2012
L3: Novice
> bubble2 120 Posts
82 Reputation
mason.smith1975
09-03-2021 at 05:39 PM.
09-03-2021 at 05:39 PM.
Quote from Beckles View quoted comment :
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.

How did you become Platinum Hornors?
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Joined Jun 2009
L5: Journeyman
> bubble2 969 Posts
169 Reputation
matt48
09-06-2021 at 05:23 AM.
09-06-2021 at 05:23 AM.
Quote from mason.smith1975 View quoted comment :
How did you become Platinum Hornors?

Have $100k balance in any of the accounts (checking/savings/Merrill Edge investment)
Reply
Joined Sep 2014
L2: Beginner
> bubble2 82 Posts
18 Reputation
bostonlal
09-06-2021 at 05:46 AM.
09-06-2021 at 05:46 AM.
Quote from rebenga12 View quoted comment :
I have a few of these on my account. The rotating categories help fill in the gaps my 5% cards leave depending on the quarter.
Technically if you're a large enough customer, you get 5.25% CB once the actual deposit is made and the 75% bonus is factored in. Not bad for a zero fee card.

can you ease explain how 5.25%
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Joined Jan 2007
L4: Apprentice
> bubble2 388 Posts
43 Reputation
bobn27613
09-06-2021 at 06:08 AM.
09-06-2021 at 06:08 AM.
it is 3% + bonus ( 1.75 x 3) = 5.25
Reply
Joined Nov 2020
L2: Beginner
> bubble2 46 Posts
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BeigeBreakfast3043
09-06-2021 at 11:11 AM.
09-06-2021 at 11:11 AM.
Do they really give bonus? I have American express bluecash and capital one. It has been more than a month that I didn't get the bonus. Sometimes I think it is scam for making people use their card.
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Joined Jan 2018
L3: Novice
> bubble2 285 Posts
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Plectonema
09-06-2021 at 08:12 PM.
09-06-2021 at 08:12 PM.
Any other benefits like travel protection, extended warranty, price match etc?
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