2025.6 Replace: The brand new provide is $200 plus limitless 2% cashback for the primary 12 months. That is 0.5% extra cashback along with the present 1.5% cashback fee. Subsequently, in case you are a Platinum Honors member with +75% bonus, you’ll earn 1.5%*(1+75%)+0.5%=3.125% cashback fee! That is the most effective ever provide on this card. It is a improbable provide you probably have big spending.
2021.7 Replace: It is a new card, and the welcome provide is $200.
Software Hyperlink
Advantages
- $200 provide: earn $200 cashback after spending $1,000 in first 3 months.
- Earn 1.5% cashback on all purchases.
- BoA Most popular Rewards program: In case you have checking/financial savings/brokerage account in BoA or Merrill Edge, you may earn extra factors based mostly on the quantity of asset. Earn extra 25% rewards in case you are in Gold tier ($20k or extra in stability); 50% if Platinum tier ($50k or extra in stability); 75% if Platinum Honors tier ($100k or extra in stability).
- No annual price.
Disadvantages
- It has international transaction price, so it isn’t a good selection outdoors the US.
Advisable Software Time
- You may get it even with out SSN and with no credit score historical past in any respect! We suggest you go to the department on this state of affairs.
- [New] 2/3/4 Rule: BoA will solely approve you for at most: 2 playing cards per rolling 2 months; 3 playing cards per rolling 12 months; and 4 playing cards per rolling 24 months. As a result of their IT system hasn’t been absolutely up to date but, chances are you’ll not get declined due to this rule. As a substitute, chances are you’ll get authorized at first, after which the account will probably be closed due to “authorized in error”.
- [New] 24 month churn rule: This card is not going to be accessible to you in the event you at present have or have had the cardboard within the previous 24 month interval.
Abstract
The sign-up bonus is first rate for a no annual price card. If you could have $100k+ stability in BoA or Merrill Edge, you may earn 1.5%*(1+75%)=2.625% in return! This card is sort of just like BoA Journey Rewards, the principle variations are: (1) this card is a cashback card, so that you don’t want to fret concerning the hustle of redeeming level; (2) this card has international transaction price, so that you shouldn’t use it outdoors of the US.
Associated Credit score Playing cards
After Making use of
- Click on right here to verify BoA utility standing.
- BoA reconsideration backdoor quantity: 877-383-0120 or 866-811-4108. Evidently the quantity is altering. Please inform us directly if it fails. The representatives right here can get in contact with decision-makers immediately.
Historic Presents Chart
Software Hyperlink
Should you like this put up, do not forget to provide it a 5 star score!