Read our full review of the Bank of America Customized Cash Rewards credit card. Chances are, even if I pay the $5 charge for the statement, by the time it gets to my house, it'll be too late, and they'll have recharged my the disputed charge, that I thought had been dealt with already. And it's a lower rate compared to other banks at 0.01%. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. Bank of America Preferred Rewards: Bank of America Preferred Rewards members earn 25% to 75% more points on every purchase. The Bank of America Customized Cash Rewards credit card is a worthy addition to most wallets. Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions. With oneworld Alliance member airlines and Alaskas Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles. 3% cash back on the category of your choice and 2% on groceries up to a quarterly combined spending cap, 18-month 0% APR offer on purchases and balance transfers from the time of account opening, Overdraft protection and rewards bonuses for banking customers, Foreign transaction fee is less than ideal for students traveling or studying abroad, Relatively high spending required for the one-time $200 introductory bonus, Read the full Bank of America Cash Rewards for Students credit card review. It can be helpful to analyze these cards individually and see where they might fit in your wallet instead of trying to build out a grand strategy such as the Chase or Amex Trifecta. First of all, they will only talk to primary cardholder who isn't available during banking hours and wait on hold forever for nothing. For those withbusiness credit cardswho need the flexibility to switch the 3% cash-back category each month, this is a one-of-a-kind option. I have explained to the credit card manager who says Felix ** that I requested $200 from a closed account to put in my bank account. Related:I flew Alaska on its first day in Oneworld: Heres what it was like as an American Airlines elite, ________________________________________________, Application link: Alaska Airlines Visa Signature credit card. You get one of the longest 0% introductory APR periods available anywhere, providing plenty of time to whittle down debt or finance a large purchase. If you can take advantage of the Preferred Rewards program bonus or you travel infrequently and want to avoid an annual fee, this card is an excellent choice. 0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days. Approval letter showed they used the same pull as the first card application date. Read our comparison chart below. With no annual fee and the ability to upgrade to an unsecured card, this is a great option for those looking to build or repair their credit. Read the full Bank of America Customized Cash Rewards for Students Review. ", J.D. A good to excellent FICO credit score ranges from 670 to 850. 1.5 points for every $1 spent on purchases. --Daniel had an answer for everything--yes but all in the benefit of BOA essentially robbing someone. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire. Earning rate:3% cash back in the business category of your choice and 2% on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, then 1%), and 1% on all other purchases. Bank of America offers several cash back credit cards with good rewards, including one for students. You might find that one of these cards has a worthwhile place in your wallet. Bank of America is a trusted name in the credit card industry. It comes with a decent sign-up bonus, a generous intro APR period, and the potential to supercharge your earnings through Bank of America's Preferred Rewards program. Power. Its also possible to receive a message saying more time is needed to review your information. 0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days, and then the ongoing APR of 15.74%-25.74% Variable APR, is a good option if you need to consolidate and pay off high-interest credit card debt, thanks to its 0% intro APR period and. The information for the Air France KLM World Elite and Free Spirit Travel More cards has been collected independently by The Points Guy. You can choose a category that will bring you elevated cashback but still, you will earn 1% on every purchase you make with this credit card. If you already have high-value accounts with Bank of America, then getting this card is a no-brainer. Earning rate: 1.5 points per dollar on all purchases. Alaskas Famous Companion Fare. Big Bank Investments in Mobile Apps Pay Dividends as Customer Volume Shifts to Digital, J.D. We will only recommend the products that we believe are the best fit for you, the consumer. Youll get $500 in value out of the sign-up bonus, and youll get perks such as an up-to-$100 annual airline incidental statement creditand an up-to-$100 credit that can be applied toward theGlobal Entry or TSA PreCheckenrollment fee every four years. Because it doesn't tack on these fees, you can use the card . Signs are two personal cards within 30 days will be combined. 7.5/10 CNET Rating. Deposit accounts @ BoFA both biz as well as personal. Other account pricing and terms apply. Fixed-value cards get a little more appealing every time an airline devalues itsaward chartorrestricts premium-cabin redemptions, and when you combine the above-average earning rates with the fact that you get paid $5 a year to keep the Premium Rewards card open, it begins to look very appealing. Compare the Best Bank of America Credit Cards, Editorial Picks of the Best Bank of American Credit Cards, Bank of America Premium Rewards Credit Card, Bank of America Customized Cash Rewards for Students, Bank of America Travel Rewards Credit Card, Bank of America Customized Cash Rewards Credit Card, Business Advantage Travel Rewards Credit Card, Bank of America Customized Cash Rewards Secured, Bank of America Cash Rewards for Students, Bank of America Premium Rewards Credit Card Review. That means you could earn 3.75%-5.25% cash back on purchases in your choice category. Zero percent introductory offers: She has published articles in The Boston Globe, Yankee Magazine, and more. It charges a balance transfer fee of 3% of the amount transferred, or $10, whichever is greater. The next day, checking my bank account, both sums were taken off my bank. Sign-up bonus:For a limited time, you can earn 50,000 miles and a $100 statement credit after you spend $2,000 within the first 90 days of account opening. At least I could understand the rep. Do not recommend. Why you should apply: For a no-annual-fee card, it has quite a lucrative earning potential especially if you tend to book travel through a third-party platform such as Expedia. Pre-qualified offers are not binding. I made payment for my credit card and Bank of America said I made another payment. We value your privacy. Theres a lot to love about this card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. You can also redeem points for restaurant purchases. If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. If you qualify for Platinum Honors, youll be earning 3.5 points per dollar on dining and travel, plus 2.62 points per dollar on all other purchases with the Bank of America Premium Rewards card. Either $10 or 3% of the amount of each transaction, whichever is greater. Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center. Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. There are no minimum deposits or service fees. Your first credit card can bring independence, convenience and opportunity. This may influence which products we write about and where and how the product appears on a page. I guess could do it other way, apply to BoA first then Chase??? Terrible! No annual fee and no expiration on rewards. I find that this credit card Word Elite Mastercard by Bank of America is risking the customer credit history with these kinds of mistakes and employee. But you also earn a higher rate on "other" spending than many competing cards offer. NerdWallet's ratings are determined by our editorial team. In 2011, she published her first book, Investopedia requires writers to use primary sources to support their work. In other words, credit is a method of making . If you max out all five of your slots with Chase, you shouldnt have a problem turning around and applying for an offer like 50,000 bonus miles plus Alaskas Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) with this offer. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Bank of America can trace its roots to the Bank of Italy, started by an Italian immigrant to serve his community in 1904. Bank of America offers an impressive lineup of more than 20 credit cards that run the gamut from cash-back credit cards to airline credit cards. I paid credit card balance in full on 9/23/22. A Bank of America debit chip card. Anyone able to bypass the 2/3/4 rule on personal cards? Our content is intended to be used for general information purposes only. A self-proclaimed adrenaline junkie, her travel bucket list includes swimming with sharks off the coast of South Africa, skydiving in Thailand, and cliff jumping in Greece. Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Related:Hear us out: Why Spirit gives Delta a run for its money in our head-to-head comparison. This site does not include all credit card companies or all available credit card offers. If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. They're closed today and have limited telephone hours of operation (it's Sunday). According to J.D. HELOC rates begin at a special promotional variable APR of 0.99% for six months and can go up to 18%. it has quite a lucrative earning potential especially if you tend to book travel through a, such as Expedia. More details Receive a $150 statement credit after you make at least $500 in purchases within the first 90 days of account opening Points can't be transferred to partner airline or hotel programs for potentially greater value, as is the case with several competing cards. All financial products, shopping products and services are presented without warranty. Use the 12-month 0% APR promotion on purchases. Get a bonus of 25% to 75% of the rewards earned on every purchase if you're a Bank of America Preferred Rewards client. Your actual credit limit will be determined based on your creditworthiness and income, among other factors. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. Unlimited 1.5% earnings on every single purchase, Other cards can offer bonus points on common everyday purchases. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. The Bank of America Premium Rewards Elite Credit Card is the bank's most premium travel rewards credit card. and 1.5 points per dollar on everything else. The card network behind the BankAmericard eventually evolved into Visa after being spun off from the bank in the 1970s. Additional reporting by Stella Shon and Christina Ly. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. According to our findings, Bank of America is the best overall lender for a HELOC in New Mexico, but a different provider may better suit your specific financial situation. I try and look up that charge on a past statement, but only the last 2 statements are listed on my account online. Earning rate: 3 points per dollar on travel booked through Bank of America Travel Center and 1.5 points per dollar on all other purchases. If you fly with airlines that earn Flying Blue miles frequently, its worth taking a look at this card to help you boost your miles balance. I paid the $80 that I owed them but they still couldn't remove the charge off or help me understand why they never called me as a courtesy. "Bank of America Customized Cash Rewards Credit Card for Students. High interest rate. You can learn more about the standards we follow in producing accurate, unbiased content in our, Bank of America Launches New Premium Travel Credit Card, Travel Credit Cards Add New Perks During the Pandemic, Investopedia Credit Card Rating Methodology, Bank of America Customized Cash Rewards for Students, Bank of America Customized Cash Rewards Credit Card, Bank of America Customized Cash Rewards Secured, How Bank of America's Rewards Program Works. Related:The ultimate guide to earning and redeeming with Air France-KLM Flying Blue. The average score among major issuers was 809. Key takeaways. Why you should apply: The Bank of America Customized Cash Rewards credit card is one of the only credit cards that allows you to essentially customize your rewards structure to fit your changing spending habits throughout the year with the chance to change categories every month. in each category based on overall consumer value. I have very good credit, I always pay my bills on time. 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel and dining purchases. Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases. Thing with banks, credit cards, mortgages, etc., is that one is thrown in with the rest of unethical garbage out there and expected to fend for themselves, including the customer services reps who clearly have questionable ethics made all the more obvious by their innuendos, clear inaccuracies (that you don't find out about later) and attitudes they present with you after going through their biased A.I System on the phone. All financial products, shopping products and services are presented without warranty. In the interests of our readers you can find out what shopping portal is offering the best rates on eBay here&Amazon here. American Express Barclaycard Capital One Earn unlimited 2 points per $1 spent on travel and dining purchases and 1.5 points per $1 spent on all other purchases. Earn 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening. Whether you are looking for a personal credit card or a business credit card, Bank of America offers a variety of credit cards to meet an array of wants and needs. Earn 2 points per dollar spent on travel and dining and 1.5 points per dollar on everything else a significant boost over the 1% base rate on typical cards. Students can enjoy a $200 cash rewards bonus offer after making at least $1,000 in purchases in the first 90 days of opening an account. Some credit cards, including the Bank of America Premium Rewards credit card, do have a $95 annual fee but are worth it for those who take advantage of the generous bonus offer and solid reward points program. -I was then asked to hang up and call them back in order to verify the account. We have financial relationships with some of the products and services found on this website, we may be compensated if you choose to utilize any of these links when applying. Earn. If you have good credit stay away. Uncovering the value of Bank of Americas credit cards takes a little more work than with other issuers. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account. Before applying, verify details on the issuer's website: The Bank of America Customized Cash Rewards credit card gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel and others. - Lots of rewards. Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards. New longer intro period! You can take advantage of this offer when you apply now. After calling Customer Service, going through about 10 minutes of prompts, that's when you find out they're closed. gives you bonus rewards on travel and dining. Convenience: In addition, it is not the issuers responsibility to ensure all posts and/or questions are answered. 0% Introductory APR on purchases for your first 9 billing cycles. While it has quite a large annual fee of $550, it also comes loaded with benefits that frequent travelers are sure to love, such as airport lounge access, $450 in annual statement credits, travel protections, and a 20% boost to . A 2.62% return makes that card one of the best options for, Alaska Airlines Visa Signature credit card, Bank of America Customized Cash Rewards credit card, Bank of America Unlimited Cash Rewards credit card, Bank of America Customized Cash Rewards credit card, Bank of America Travel Rewards credit card, Bank of America Premium Rewards credit card, Alaska Airlines Visa Signature credit card, Bank of America Business Advantage Customized Cash Rewards Mastercard credit card, Bank of America Business Advantage Travel Rewards World Mastercard credit card, Credit cards were using most during the pandemic, $100 annual airline incidental statement credit, Bank of Americas Preferred Rewards program, The 5 credit cards The Points Guy is using the most in 2020, TPG values Alaska miles at 1.8 cents each, I flew Alaska on its first day in Oneworld: Heres what it was like as an American Airlines elite, The ultimate guide to earning and redeeming with Air France-KLM Flying Blue, Spirits revamp of its loyalty program, Free Spirit, Hear us out: Why Spirit gives Delta a run for its money in our head-to-head comparison, Bank of America Business Advantage Customized Cash Rewards Mastercard, reports of Bank of America adding restrictions, Bank of America Preferred Rewards is not a program to be ignored, cobranded credit cards worth consistently spending on, Everything you should know about Bank of Americas Preferred Rewards program, Stop ignoring Bank of America Preferred Rewards, How to get free museum access with Bank of Americas Museums on Us program, $200 cash rewards bonus after you spend $1,000 on purchases in the first 90 days of account opening, 25,000 points after you spend $1,000 in purchases in the first 90 days of account opening which can be redeemed for a $250 statement credit toward travel purchases, 50,000 points (a $500 value) after you spend $3,000 in purchases in the first 90 days of account opening. Complaint against Bank of America **. Bank of America - Banking, Credit Cards, Loans and Merrill Investing Choose the card that works for you Customized Cash Rewards No annual fee. We selected the Bank of America Customized Cash Rewards card as the best cash back rewards option from Bank of America because of its lucrative cash back rate on purchases and simple statement credit, check, or gift card redemption options. A good credit score will give you healthy odds of approval for all of Bank of America's consumer credit cards, including its range of rewards cards as well as its no-fee balance transfer card. We may receive compensation if you visit partners we recommend. While it wont be winning anyTPG awardsfor the best premium flight experiences, budget travelers can take advantage of its low prices on both cash and award flights (redemptions start at only 2,500 miles withSpirits revamp of its loyalty program, Free Spirit). The popular bank offers a variety of cards featuring low interest rates and unbeatable perks. We value your privacy. Called BOA, to find out they put a hold on my $20888.11 for 10 business days and will not refund my funds to my bank until 10/5/22. In 2013, she was hired as senior editor to assist in the transformation of Tea Magazine from a small quarterly publication to a nationally distributed monthly magazine. We researched and scored Bank of America credit cards to find the best ones for consumers and businesses with a variety of needs. Its location on this page may change next time you visit. The bank has 32 million online banking users and 19 million mobile users. Bank of Americas branded cards are the issuers primary cards that can take advantage of thePreferred Rewards program. Learn how to spot and prevent fraud by regularly checking your account and credit report. Regular redemption is as simple as requesting points be applied to travel and dining purchases. Power Finds. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account. Our partners cannot pay us to guarantee favorable reviews of their products or services. New cardholders earn a bonus offer easily, Fairly generous introductory 0% APR offer, Spending caps on premium rewards earnings, Read the full Bank of America Customized Cash Rewards credit card review. A credit score in or above the recommended range means you have a higher chance of approval, but doesnt guarantee it. Earning rate: 3 points per dollar on eligible Alaska Airlines purchases and 1 point per dollar on other purchases. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Its no secret that Bank of America favors cardholders with whom it has banking relationships. I have 10 days to give them more information, but will need to pay them $5.00 for them to mail me (from TX, I live in NYS) a past statement that is only 3 months old, that reflects that charge. A three-month average combined balance of $20,000 or more in a Bank of America account and/or Merrill investment accounts. Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.. Get a bonus of 25% to 75% of the rewards you earn if you're a Preferred Rewards client. Earn 3 points per dollar spent on rental car, hotel or airline purchases booked through the Bank of America Travel Center. Either $10 or 4% of the amount of each transaction, whichever is greater, 50,000 bonus points after you make at least $3,000 in purchases in first 90 days of account opening, Unlimited points for every $1 spent on travel/dining Earn 2 points for every $1 spent on grocery store purchases through to 12/31/21 Earn 1.5 points for every $1 spent on all other purchases, $200 online cash rewards bonus after making at least $1,000 in purchases in first 90 days of your account opening, Earn 3% cash back in the category of your choice 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) Unlimited 1% on all other purchases, 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account openingwhich can be redeemed for a $250 statement credit toward travel and dining purchases, Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time, and no expiration on points, Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days after your account opening, Earn 3% cash back in the category of your choice 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/ grocery store/ wholesale club quarterly purchases) Unlimited 1% on all other purchases, Earn 30,000 bonus points when you make at least $3,000 in net purchases with 90 days of account opening Can be redeemed for $300 statement credit toward travel or dining, 3% cash back in the category of your choice 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) Unlimited 1% on all other purchases. 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