CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Bank of America® Cash Rewards Credit Card


Disclaimer: The information for the Bank of America® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Bank of America® Cash Rewards Credit Card is a Personal Visa card with $0 annual fee.

Intro APR Intro Period as long as Regular APR
Purchases 0% Introductory APR12 billing cycles13.99% - 23.99% Variable APR
Balance Transfers 0% Intro APR12 billing cycles for balance transfers made in the first 60 days13.99% - 23.99% Variable APR

    Interest Rates & Interest Charges

  • Annual Percentage Rate (APR) for Purchases
    0% Introductory APR for 12 billing cycles After that, your APR will be 13.99% to 23.99% Variable APR based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Balance Transfers
    0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days After that, your APR will be 13.99% to 23.99% Variable APR based on your creditworthiness and other factors.
  • Paying Interest for Purchases
    You usually have at least 25 days after the close of each billing cycle to pay your entire balance to avoid interest. If you are charged interest, the charge will be no less than $1.50
  • Paying Interest for Balance Transfers
    Usually, interest begins charging on the transfer transaction date.

    Fees

  • Annual Fee
    $0 annual fee
  • Balance Transfer Transaction Fee
    Either $10 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee
    3% of the amount of each transaction.
  • Late Payment Fee
    Up to $38
  • Returned Payment Fee
    Up to $27
 

Bank of America® Cash Rewards Credit Card

Bank of America® Travel Rewards Credit Card

 

Interest Rates and Fees

Introductory APR for Purchases0% Introductory APR for 12 billing cycles0% Introductory APR for 12 billing cycles
Introductory APR for Balance Transfers0% Intro APR for 12 billing cycles for balance transfers made in the first 60 daysN/A
Purchase APR13.99% to 23.99% Variable APR based on your creditworthiness and other factors15.99% to 23.99% Variable APR based on your creditworthiness and other factors
Balance Transfers APR13.99% to 23.99% Variable APR based on your creditworthiness and other factors15.99% to 23.99% Variable APR based on your creditworthiness and other factors
Foreign Transaction Fee3% of the amount of each transaction. No foreign transaction fee
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Earn a $150 online cash rewards bonus after you spend at least $500 on purchases within the first 90 days of account opening. 
Introductory Bonus Reward Points Introductory Bonus Reward Points: Earn 20,000 online bonus points if you spend at least $1,000 on purchases within the first 90 days of opening your account.
Cash Back RewardsCash Back Rewards: Earn 1% cash back on all purchases, 2% cash back at grocery stores and wholesale clubs, and 3% on gas (up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter) 
Travel Rewards Travel Rewards: Earn 1.5 points per $1 spent on all purchases
Gas Rewards
 
Grocery Rewards
 
 Apply Now

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Bank of America Cash Rewards: Pricing information including interest rates, rewards, benefits and fees was obtained on July 5, 2017 from published websites and is believed to be accurate, but not guaranteed.

Bank of America Travel Rewards: Pricing information including interest rates, rewards, benefits and fees was obtained on July 5, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Bank of America® Cash Rewards Credit Card and Bank of America® Travel Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Complete Card Details

  • Pricing information including interest rates, rewards, benefits and fees was obtained on July 5, 2017 from published websites and is believed to be accurate, but not guaranteed.
  • While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the issuer's website.

Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America.


Recent Mentions


What do you think about Bank of America® Cash Rewards Credit Card?


Compare Bank of America Cash Rewards to:


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR for 12 billing cycles
N/A
15.99% - 23.99% Variable APR on purchases and balance transfers
$0

Compare Bank of America Cash Rewards vs Chase Freedom Unlimited
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
0% for 14 months
11.99% - 23.99% Variable*
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0%* for 18 months*
14.49% - 24.49%* (Variable)
$0*


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% intro on purchases for 9 months
0% intro on balance transfers for 9 months
13.99% - 23.99% (Variable)
$0

Disclaimer: The information for the Bank of America® Travel Rewards Credit Card, Discover it® - Cashback Match™, Citi® Double Cash Card, Chase Freedom, and Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.