Card Highlights
Intro Bonus$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
APR14.74% – 24.74% Variable APR on purchases and balance transfers
Recommended CreditExcellent/Good
- Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- Earn unlimited 1% on all other purchases.
Annual Fee$0
Intro Purchase APR0% for 15 billing cycles
Additional Details
Intro Balance Transfer APR0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
Balance Transfer FeeEither $10 or 3% of the amount of each transaction, whichever is greater.
Balance Transfer APR14.74% – 24.74% Variable APR on purchases and balance transfers
Late Payment FeeSee Terms
Foreign Transaction Fees3%
Penalty APRup to 29.99% APR
Rewards & Redemption Details
- Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- Earn unlimited 1% on all other purchases.
This Bank of America card gives cardholders a bit more control over their rewards than most. Cardholders can choose one “everyday” 3% cash back category to earn rewards for in addition to 2% and 1% static reward categories.
3% category choices include gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. However, rewards are limited to $2,500 in combined 3% and 2% category purchases each quarter, then rewards fall to 1%.
If you spend more than $2,500 in gas and other purchases each quarter, you may want to consider another card. But for consumers who spend less than that, this card presents an inexpensive and lucrative option to earn some cash back as you fill up your gas tank.
In addition to offering a flexible rewards program, it comes with an easy-to-obtain welcome bonus plus an intro 0% APR for purchases (then 14.74% to 24.74% variable). However, it doesn’t offer much in the way of other benefits, like shopping or travel protections, outside of standard fraud protection.
Pros
- Your choice of 3% cash back category
- Intro 0% APR offer
- Easy welcome bonus
Cons
- $2,500 quarterly spending limit in combined 3% and 2% categories
- Few benefits
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