Rewards Card Page

Bank Americard Privileges with Cash Rewards

Rewards Card Information

Card Benefits

Bank Americard Privileges with Cash Rewards cardholders:

  • $100 cash back bonus after qualifying purchase(s)
  • 1% cash back on every purchase, 2% cash back on groceries and 3% cash back on gas
    • Quarterly maximum applies to bonus rewards on grocery and gas purchases
  • Rewards are automatic and do not expire. There's no need to register your card or sign up to earn cash rewards
  • Now Chip Technology provides cardholders with expanded global acceptance when shopping outside of the U.S.

Special services

  • Purchase Replacement covers purchases that are stolen, damaged or lost within 90 days of purchase
  • Priority servicing. Cardholders have access to a team of knowledgeable customer service advocates 24/7

Annual Fee ($)

Free

Qualifying Transaction(s) Bonus?

Yes

Qualifying Transaction(s) Bonus Info

Get a $100 cash back bonus after qualifying purchase(s):

  • Bonus Cash Rewards Offer. Cardholder will qualify for $100 if they use their new credit card account to make any combination of Purchase transactions totaling at least $500 (exclusive of any transaction fees, returns and adjustments) that post to their account within 90 days of the account open date.
    • Allow 8-12 weeks from qualifying for the bonus cash rewards to post to rewards balance.

Cardholders enjoy a 50% customer bonus when redeeming their cash back into a Bank of America checking/savings account, or an investment account with Merrill Edge or Merrill Lynch Wealth Management.

Foreign Transaction(s) Fee (%) in USD

3%

Intro Purchase APR?

Yes

Intro Purchase APR Info

0% Intro Purchase APR for the first 12 Statement Closing Dates following account opening

Purchase APR (%)

12.99% - 20.99% (V)

Min Interest Charge ($)

$1.50

Avoid Paying Interest

Payment due date is at least 25 days after the close of each billing cycle. Bank will not charge cardholders any interest on purchases if they pay their entire balance by the due date each month.

Intro Balance Transfer APR?

Yes

Intro Balance Transfer APR Info

0% Intro Balance Transfer APR for the first 12 Statement Closing Dates following account opening, for transactions made within 60 days of account opening.

Max Late Payment Fee ($)

$35

Max Returned Payment Fee ($)

$25

Penalty APR (%)

29.99% (V)

When Penalty APR Applies

Penalty APR may be applied to new transactions on accounts if cardholders:
• Make a late payment

How Long Penalty APR Applies

If APRs are increased, the Penalty APR will apply indefinitely

% Cash Back Earned Per $ Spent

1% cash back on every purchase, 2% cash back on groceries and 3% cash back on gas (quarterly maximum applies to bonus rewards on grocery and gas purchases)

Balance Transfer APR (%)

12.99% - 20.99% (V)

Balance Transfer Fee (%)

4%

Balance Transfer Fee ($)

$10

Cash Advance APR (%)

20.99% (V) for Direct Deposit and Check Cash Advances, and 24.99% (V) for Bank Cash Advances

Cash Advance Fee (%)

4%-5%, depending on chosen method of advance

Cash Advance Fee ($)

$10

Cash Advance ATM Fee (%)

5%

Cash Advance ATM Fee ($)

$10

Overdraft Advance Fee ($)

If enrolled: None

Current Promotions

Currently No Information

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