Bank of America Cash Rewards Credit Card – Discover the Online Application


Getting the right card means that you have considered all angles of the card and found that it is a fit for you. It has to be one that you can afford, one that offers you rewards that are within reason, and one that is also easy to maintain. One such card is the Bank of America Cash Rewards Credit Card.

With cash rewards of up to $200 as a bonus offer, you should take a second look at this card when looking for a cash rewards card. The other part that makes this card interesting is the low introductory APR offer the card carries.  

You can learn more on the card, the cash rewards, and other aspects that make this card one to have by reading on. Information on how you can apply for the card and earn the rewards are listed here as well.

Bank of America Cash Rewards Credit Card – Discover the Online Application

Why You Should Choose the Bank of America Cash Rewards Credit Card

If you haven’t noticed by now, this is a cash rewards cards, and what differentiates these types of cards is the percentage offered. The offered percentage is given across different purchases and on different levels.

First, on a category of your choosing, you have a card that offers you 3% on either, online shopping, gas, travel, dining, drug stores, or home improvement. You can choose from those categories and earn up to 3% of the total expenditure.


The other areas which you can earn from are grocery stores and wholesale stores. In this category, you should be able to comfortably earn up to 2% worth of cashback on your spending. On all your other purchases, you earn 1% in cashback.

There’s a catch to how much you can earn though, you can earn up to $2,500 in the combined categories. This includes the 3% category of your choice, for example, online shopping, and the 2% which is grocery shopping. After, you earn only 1% in both categories on your purchases through the card.

Eligibility & How to Apply

First, you have to be 18 years old and above for you to get this card. Your credit has to be excellent for you to get the card as well. That means, you should have a credit score of 700 plus. You also have to prove you have a source of income and your accounts should all be in good standing.

To apply for the card, you can go to the bank and complete the application in person. That is the least convenient way, of course. You can also easily apply for the card online and get a response from the bank in hours.

When you choose the online route, you should visit the Bank of America website and click on the ‘credit cards’ menu. Thereafter, you can locate the card you want and start filling out your information on the form there. 

On the next page, after you have clicked on the credit card, you then have to click the ‘apply now’ button. You’ll be redirected to the next page where you will then fill out your information so your application can be evaluated.

Interest Rate & Fees

There are several fees involved when you use a credit card, chief among them being the annual fees. For this card, however, there are no annual fees attached to it. However, you have to pay a variable interest rate of 13.99% – 23.99%. On the bright side, you get an introductory 0% APR for 15 billing cycles for all your purchases through the card.

In addition to the fees mentioned above, there is also a balance transfer fee which is charged a 3% of each balance transfer. You will also have to pay a 3% fee on all foreign transactions you make using this card. Lastly, if you miss a payment, you will be subject to a late payment fee of $40.

Bank of America Cash Rewards Credit Card – Discover the Online Application

Bank’s Contact Info & Address

You can get in touch with the bank to get more information on this particular credit card through 1-800-432-1000. The bank’s head office is located in Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255.


This Bank of America Cash Rewards Credit Card is one of the cards you should consider if you’re looking to get a new rewards card. The card is extremely clear on the services you get and there are no hidden features that will surprise you. Applying for it is quite easy and straightforward as well.

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.