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Bank of America BofA new credit card offers, up to 3.12% back on ALL purchases or 8.25% back on catagory purchases

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Was looking for a new catch-all credit card since Priceline rewards Visa is ending 7/2 and ran into this:

Bank of America Unlimited Cash rewards now offers 1.5% + 0.5% bonus, in addition as a preferred rewards member you get anywhere from 25% - 75% boost to the 1.5% non bonus portion only, max benefit is 3.12% on ANY purchase for a year.

Bank of America Customized Cash rewards now offers 3% + 3% bonus, in addition as a preferred rewards member you get anywhere from 25% - 75% boost to the 3% non bonus portion only, max benefit is 8.25% on a category purchase for a year.

Sign up bonus is spend $1000 in 90 days to get $200 back.

After a year the bonus cash back portions drop off but in my opinion still good cards after this.

https://www.bankofamerica.com/credit-cards/
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Created 05-24-2025 at 01:02 PM by dregan
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Joined Sep 2013
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RoshanA8458
05-24-2025 at 06:49 PM.
05-24-2025 at 06:49 PM.
Quote from thegman230 :
LMFAO you can take that $100k and put it in a year CD at 5 percent instead of earning ZERO at Bull$hit of America. Who the fk is dumb enough to have that kind of money there just to get paltry credit card cash back only when you SPEND money. They must think most people are stupid, which they would be right.

They include balances in CDs and investment accounts.
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Joined Jan 2024
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> bubble2 2,233 Posts
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WolfTheCat
05-24-2025 at 10:54 PM.
05-24-2025 at 10:54 PM.
Quote from pur :
Chat assistant jump scare warning Scared

Excellent Avatar, pur!
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Lilyly
05-24-2025 at 11:32 PM.
05-24-2025 at 11:32 PM.
Quote from duke5150 :
U.S.Bank Smartly Visa (1st gen) = 4% on everything.
no more new signup for 1st gen now?
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Joined May 2006
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dregan
05-25-2025 at 12:09 AM.
05-25-2025 at 12:09 AM.
Quote from duke5150 :
U.S.Bank Smartly Visa (1st gen) = 4% on everything.
Is the first gen still not capped? I saw this card as well but it's capped at $10k spend per statement period
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Joined Mar 2019
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KevinC19
05-25-2025 at 12:57 AM.
05-25-2025 at 12:57 AM.
Quote from dregan :
Is the first gen still not capped? I saw this card as well but it's capped at $10k spend per statement period

First gen smartly visa is uncapped still, its grandfathered in. Probably for at least another couple years

Second gen is bad cause the 100k has to be in checkings account. It cant be in investment account anymore
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Joined Oct 2015
Super Man
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DarknetScammer
05-25-2025 at 03:20 AM.
05-25-2025 at 03:20 AM.
I canceled this card last year but I guess I can't apply again because they don't allow it within 24 months right?
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CoolBuffalo9750
05-25-2025 at 06:22 AM.
05-25-2025 at 06:22 AM.
Quote from thegman230 :
LMFAO you can take that $100k and put it in a year CD at 5 percent instead of earning ZERO at Bull$hit of America. Who the fk is dumb enough to have that kind of money there just to get paltry credit card cash back only when you SPEND money. They must think most people are stupid, which they would be right.
So, how is your day going there most people?
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baburai
05-25-2025 at 06:38 AM.
05-25-2025 at 06:38 AM.
(1)
If you have any old 401k from previous employers lying around with 100k+ balance, transfer that to a Merrill Edge rollover IRA using this offer: https://www.merrilledge.com/offers/600. Takes ~1week to do the transfer (mostly online) and a few months to get transfer bonus.

(2)
Link your Merrill account to your BofA banking (checking/savings/credit card) accounts.

(3)
Wait for ~3 months for preferred rewards status to kick in.

(4)
Apply for these special offers to your hearts content and enjoy the bonus cash back + many other Preferred Rewards perks. Basically never pay any fees for any banking service ever again. Merrill also has $0 trading fees.

Unusual example, you can get up to two fee-free international wire transfers. that has saved me a $45 fee when I had to do one urgently.

I have Preferred Rewards status through a rollover IRA like this. So I know this works.
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ChaChing23
05-26-2025 at 09:22 AM.
05-26-2025 at 09:22 AM.
Quote from baburai :
(1) If you have any old 401k from previous employers lying around with 100k+ balance, transfer that to a Merrill Edge rollover IRA using this offer: https://www.merrilledge.com/offers/600. Takes ~1week to do the transfer (mostly online) and a few months to get transfer bonus.

(2) Link your Merrill account to your BofA banking (checking/savings/credit card) accounts.

(3) Wait for ~3 months for preferred rewards status to kick in.

(4) Apply for these special offers to your hearts content and enjoy the bonus cash back + many other Preferred Rewards perks. Basically never pay any fees for any banking service ever again. Merrill also has $0 trading fees.

Unusual example, you can get up to two fee-free international wire transfers. that has saved me a $45 fee when I had to do one urgently.

I have Preferred Rewards status through a rollover IRA like this. So I know this works.
Would you please check your link?
It lands on "An application error has occurred. If the problem persists, Please contact Help Desk."
Thanks!

Edit: It's the period at the end of your link that causes it to fail. Here's a working link:
https://www.merrilledge.com/offers/600

Edit 2: The offer has tiers:
$250 for $100K
$600 for $200K

Edit 3: Googling found quite a few other Merrill Edge offers; many better than this one.
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Last edited by ChaChing23 May 26, 2025 at 09:40 AM.
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dregan
06-04-2025 at 06:36 AM.
06-04-2025 at 06:36 AM.
Quote from DarknetScammer :
I canceled this card last year but I guess I can't apply again because they don't allow it within 24 months right?
Not sure if this helps, is probably YMMV and I didn't cancel but BofA seems pretty flexible with their cards, for example I have two of the customized cash cards from last year opened within 12 months of each other and to my surprise I received the sign up bonus on both. I just opened the unlimited card and there's a slider showing my progress toward the sign up bonus.

Quote from WolfTheCat :
BofA permits you to have more than one Customized Cash card.

Wondering if they will let me get a second one and have this bonus for a year.
I just bit on the customized sign up for a third card, will update on if I'm getting the bonus or not when I find out.
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Last edited by dregan June 4, 2025 at 06:42 AM.
Joined Jun 2013
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JackS8214
06-04-2025 at 06:46 AM.
06-04-2025 at 06:46 AM.
Quote from thegman230 :
LMFAO you can take that $100k and put it in a year CD at 5 percent instead of earning ZERO at Bull$hit of America. Who the fk is dumb enough to have that kind of money there just to get paltry credit card cash back only when you SPEND money. They must think most people are stupid, which they would be right.

100k in Merrill invest in blackrock fixed income with get you close to 5 percent. Which will get you the 2.625.
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deal-gnus
06-04-2025 at 08:32 AM.
06-04-2025 at 08:32 AM.
For some reason, the Merrill edge $600 rollover bonus link breaks. The straight one is:
https://www.merrilledge.com/offers/600
But you have to rollover 200K to get the $600.
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dregan
06-07-2025 at 12:34 PM.
06-07-2025 at 12:34 PM.
Quote from WolfTheCat :
BofA permits you to have more than one Customized Cash card.

Wondering if they will let me get a second one and have this bonus for a year.
Looks like I do indeed get the $200 sign up bonus offer as well as the bonus cash back on this card even though I already have two of them. This is all showing up in the BofA app for me specifically for this new customized cash card.
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