2025.6 Replace: The brand new provide is $200 plus limitless 2% cashback for the primary yr. That is 0.5% extra cashback along with the prevailing 1.5% cashback fee. Due to this fact, 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 one of the best ever provide on this card. It is a unbelievable provide when you have big spending.
2021.7 Replace: It is a new card, and the welcome provide is $200.
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Advantages
- $200 provide: earn $200 cashback after spending $1,000 in first 3 months.
- Earn 1.5% cashback on all purchases.
- BoA Most well-liked Rewards program: When you’ve got 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 steadiness); 50% if Platinum tier ($50k or extra in steadiness); 75% if Platinum Honors tier ($100k or extra in steadiness).
- No annual payment.
Disadvantages
- It has overseas transaction payment, so it is not a sensible choice exterior the US.
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- 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 scenario.
- [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 totally up to date but, you could not get declined due to this rule. As an alternative, you could get accredited at first, after which the account will probably be closed due to “accredited in error”.
- [New] 24 month churn rule: This card is not going to be out there to you for those who 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 payment card. If you might have $100k+ steadiness in BoA or Merrill Edge, you may earn 1.5%*(1+75%)=2.625% in return! This card is kind of much 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 overseas transaction payment, so that you shouldn’t use it exterior of the US.
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After Making use of
- Click on right here to verify BoA software standing.
- BoA reconsideration backdoor quantity: 877-383-0120 or 866-811-4108. Plainly the quantity is altering. Please inform us without delay if it fails. The representatives right here can get in contact with decision-makers instantly.
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