Bank of America is offering a
$200 online cash rewards bonus after you make at least
$1,000 in purchases in the
first 90 days of account opening with their
Bank of America® Customized Cash Reward credit card. No Annual fee.
Card Details:
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Slickdeals may be compensated by Bank of America.
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Bank of America - Bank Advertiser
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Three down sides: 1) limit up to purchase value of $2,500 per quarter. 2) Dispute of of purchase is not friendly as would be compared to Chase CC. 3) You can change category once a month.
Ability to change category once a month is not a downside but a plus in my opinion
hi wondering what is the specific advantage for Merrill Lynch customers?
https://www.ml.com/solutions/pref...wards.ht
Three down sides: 1) limit up to purchase value of $2,500 per quarter. 2) Dispute of of purchase is not friendly as would be compared to Chase CC. 3) You can change category once a month.
There's a big "Dispute Transaction" button in the app on the transaction details page for each transaction. It's even there for pending transactions. Couldn't be much easier than that.
3) This is a plus, and is easy to change in the app.
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Merrill has self directed accounts that cost nothing.
This reddit post has a list of some of them: https://www.reddit.com/r/CreditCa...ner_
I have a Nature Conservancy card, along with a regular CCR. Applied for on the same day to combine the hard pulls.
It's also a nice way to differentiate between multiple CCR cards if you want to cover multiple categories.
This reddit post has a list of some of them: https://www.reddit.com/r/CreditCa...ner_cards/ [reddit.com]
I have a Nature Conservancy card, along with a regular CCR. Applied for on the same day to combine the hard pulls.
It's also a nice way to differentiate between multiple CCR cards if you want to cover multiple categories.
BofA Unlimited Cash Rewards CC ($200 deal)
BofA Premium Rewards CC (60,000 online bonus points offer)
BofA Customized Cash Rewards CC ($200 deal) - this is the Enhanced Categories one
BofA Travel Rewards CC (25,0000 online bonus points)
BofA CC (Save on interest)
1. You cannot pay online, no way to add it, CS do not know why.
2. They do NOT even provide you a monthly stmt, no paper stmt, no e-stmt. Just NO stmt at all. CS does not know why.
3. Complaints with CFPB just go to a black hole.
You can pay online using their app. Monthly statements also appear in their app.
Not for me. Something is wrong with my account and no one there knows why or care
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I can let that money sit in Bank of America to get "preferred awards status", which after three months gives me an additional 2.25% cashback on purchases in a single category (say online stores like amazon) which assumes I know what category a purchase will be applied to (I don't).
OR I can put that 100k in treasury bills that return 5% non-competitively over 13 weeks... who the hell would pick first option???
Edit: I have nothing against this card or this deal, but definitely don't go into this card for preferred rewards...
Edit2: Sorry for not updating. I'm definitely wrong for implying that only checking accounts got rewards. I'm leaving the comment up for context.