Details
  • 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account.
  • Online $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
  • If you're a Bank of America Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • There's no annual fee, no expiration on rewards and with no changing categories to follow, you always know where and how you're earning rewards.
  • Complete your application and get a response in as little as 60 seconds.
Pros
0% APR intro offer for 12 months on purchases and balance transfer
No annual fee
2% cash back on groceries
3% cash back on gas
$150 online bonus
Cons
Good to excellent credit score required
1% cash back on all purchases is not a top-notch offer
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$200
Online $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
This one-time promotion is limited to customers opening a new account in response to this offer and will not apply to requests to convert existing accounts.
Rewards
Gas
3% cashback
limited to $2,500 spending per quarter
Groceries
2% cashback
limited to $2,500 spending per quarter
Other
1% cashback
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
12 months
Balance transfer regular apr
15.24-25.24%
variable
Balance transfer fee
3%
min $10
Rates and fees
Purchase regular apr
15.24-25.24%
variable
Cash advance apr
18.24-27.24%
variable
Regular annual fee
$0
Cash advance fee
5%
min $10
Foreign transaction fee
3%
Late payment fee
up to $38
Return payment fee
$27
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