Bank of America® Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card is a cash rewards credit card for anyone who buys a lot of gas and groceries. This card is highly recommended due to its strong and straight forward cash back earning potential, low introductory APR, and lack of annual fee.

See how it stacks up to other good rewards cards in our comparisons:

Was this helpful?

Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

Quick View

Quick View

  • Rewards
    • Earn 3% cash back on gas
    • Earn 2% cash back on groceries and at wholesale clubs (on the first $2,500 in combined gas, grocery, and wholesale club purchases)
    • Earn 1% cash back on all purchases
    • 3% and 2% rewards only up to $2,500 per quarter, then 1% cash back
    • Bank of America members get an extra 10% on points on every purchase
    • There is no limit to the amount of cash back you can earn
    • Cash back never expires
  • Signup Bonus $150 cash rewards bonus when you spend $500 in the first 90 days
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR 0% for 12 months
  • Regular Balance Transfer APR 14.49%–24.49% Variable
  • Cash Advance APR 17.49%–26.49% Variable
  • Penalty APR Up to 29.99% Variable
  • Late Fee Up to $38
  • Returned Payment Fee Up to $27

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Mastercard Benefits

    This card comes with either standard Mastercard or World Mastercard benefits. Check your Guide to Benefits to learn more.

Account Management

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile Banking

    Pay your credit card bill online, transfer funds, check available credit and more.

  • Text Banking

    Send a text and get important account information.

Security

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Overdraft Protection

    Link a Bank of America account to your card and prevent declined purchases and return checks if you take out too much money from your account.

  • ShopSafe®

    Protection when you are shopping online.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

The Insider

Brendan Harkness
Review of the Uber Visa Card
Brendan Harkness | Jun 21, 2018

The Uber Visa Card, issued by Barclays, offers 4% cash back at restaurants, including UberEATS, 3% back on hotels and airfare, and 2% for online purchases.

Read More
Susan Shain
Do No-Interest Credit Cards Really Exist?
Susan Shain | Jun 20, 2018

Is that 0% APR offer too good to be true? Here's what you need to know about no-interest credit cards in 2018 and how to choose the best card for you.

Read More
Susan Shain
What’s the Highest Credit Score and Why Does It Matter?
Susan Shain | Jun 15, 2018

We all want high credit scores, but should you reach for perfection? Here’s what you need to know to get and maintain the highest credit score possible.

Read More