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Bank of America® Cash Rewards

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Annual Fee: $0

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Advertiser Disclosure

Welcome Offer
Earn $200 cash rewards bonus

Earn $200 cash rewards bonus after you use your new Card to make $1000 on purchases in your first 90 days

3%
Cash Back
Earn 3% cash back on gas purchases for the first $2,500
2%
Cash Back
Receive 2% cash back at grocery stores and wholesale clubs
1%
Cash Back
1% cash back on every purchase
$0
Annual Fee
No annual fee with this card

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Rewards Highlights

  • No annual fee
  • $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 on gas or your choice of one of five other popular categories, 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
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Card Overview

The Bank of America® Cash Rewards is an amazing credit card for Gas, Groceries and Wholesale Clubs. When you sign up for this credit card, you get $200 Cash Back as a welcome offer with an annual fee of $0. The foreign transaction fee on the Bank of America® Cash Rewards is 3%. In order to get approved for this credit card, you should have an excellent credit rating.

The Bank of America® Cash Rewards is also amazing for having for No annual fee, $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 on gas or your choice of one of five other popular categories, 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, 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers, No expiration on rewards and If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase.

Real Reviews by Real People

You can earn hundreds of dollars in cash back just by using the Bank of America Cash Rewards card to pay for things you’re already going to buy. In fact, it’s super easy to earn the $200 sign up bonus, and the average family can see another $300 or more in cash rewards over the course of a year. And if you’re a Bank of America customer, you could turn those rewards into a total of $900+ in cash back simply by redeeming into your existing savings or checking account.

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Expert Review

The Pros

  • No Annual Fee
  • 3% Cash Back on Gas
  • 2% Cash Back on Groceries
  • 1% Cash Back on everything else

The Cons

  • No Travel Benefits

Recommended Credit Profile

Rates & Fees

  • Annual Fee$0
  • Intro Purchase APR0% for 15 months
  • Intro Balance Transfer APR0% for 15 months
  • Regular APR15.24% to 25.24%
  • Use CasesGasGroceriesWholesale Clubs
  • Regular Purchase APR15.24% to 25.24%
  • Regular Balance Transfer APR15.24% to 25.24%
  • Cash Advance APR18.24% to 27.24%
  • Balance Transfer Fee$10 or 3%
  • Cash Advance Fee$10 or 3%
  • Foreign Transaction Fee3%