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Bank of America Cash Rewards Visa Signature Card

Bank of America Cash Rewards Visa Signature Card
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With a Bank of America cash rewards visa signature card, which has an incredible selection of more than 20 credit cards ranging from cash-back credit cards to airline credit cards, you may get cash back on all of your purchases. Instead of attempting to construct a large-scale plan like the Chase or Amex Trifecta, it can be beneficial to examine each of these cards separately and determine where they might belong in your wallet.

Earn cash back on regular purchases, such as those at the grocery store and gas stations. Furthermore, some cash back credit cards allow you to donate to a particular charity in addition to receiving cash back on all of your purchases. Earn 3% cash back, 2% at grocery shops, and 1% on all other transactions with the Bank of America Cash Rewards visa signature card.

Bank of America cash rewards visa signature card with perks like travel and cash back as well as an unmatched range of services and experiences, all hand-picked to meet your lifestyle. If you’re a member of Bank of America’s Preferred Rewards program, you can earn up to 75% extra points on each purchase, depending on your tier.

Bank of America® Customized Cash Rewards

Bank of America® Customized Cash Rewards
Bank of America® Customized Cash Rewards
  • Offer of $200 in extra online cash rewards and 3% cash back in the category of your choosing
  • No yearly charge
  • 3% cash back on purchases in your preferred category, 2% cash back at grocery and wholesale clubs (on the first $2,500 in combined purchases made at grocery and wholesale clubs each quarter), and 1% cash back on all other transactions. Determine rewards
  • Gas, food, travel, drug stores, internet shopping, and home furnishings are some of the categories you can choose from. You must access Online Banking or utilize the Mobile Banking app if you want to modify your selection category for upcoming purchases. It can be modified once each month, or you can leave it alone and it won’t alter.
  • For purchases made within the first 18 billing cycles and for balance transfers completed within the first 60 days of opening your account, there is a 0% intro APR. When the introductory APR offer expires, a variable APR that ranges from 17.49% to 27.49% will take effect. All balance transfers are subject to a 3% charge.
  • Members of Preferred Rewards receive an additional 25%–75% in cash back on each transaction. For the first $2,500 in combined choice category/grocery store/wholesale club sales each quarter, it implies the 3% choice category could earn 3.75% – 5.25%, the 2% at wholesale clubs could earn 2.50% – 3.50%, and the 1% for all other purchases might earn 1.25% – 1.75%. Not registered?
  • If you navigate away from this page, contact the bank directly, or visit a Bank of America banking center, this online-only offer could no longer be valid. When you apply right away, you can benefit from this deal.

Bank of America® Unlimited Cash Rewards

Bank of America® Unlimited Cash Rewards
Bank of America® Unlimited Cash Rewards
  • $200 bonus offer for online cash rewards
  • No yearly charge
  • Earn a constant 1.5% back on all purchases. Determine rewards
  • You can earn unlimited cash back, and cash incentives never expire.
  • 0% Intro APR on purchases made within the first 18 billing cycles and on any balance transfers made within the first 60 days of the account creation. After then, a variable APR between 17.49% and 27.49% will be in effect. All balance transfers are subject to a 3% charge.
  • Members of Preferred Rewards receive an additional 25%–75% in cash back on each transaction. In other words, you might get cash back on every purchase between 1.87% and 2.62%. Study Up on Preferred Rewards.
  • If you navigate away from this page, contact the bank directly, or visit a Bank of America banking center, this online-only offer could no longer be valid. When you apply right away, you can benefit from this deal.

Bank of America® Premium Rewards®

Bank of America® Premium Rewards®
Bank of America® Premium Rewards®
  • Offer of 50,000 online bonus points, worth $500.
  • Low $95 annual fee and no transaction costs for foreign currency
  • Earn infinite points that never expire, with 1.5 points for every $1 spent on all other purchases and 2 points for travel and eating.
  • Receive up to $200 in combined TSA PreCheck®/Global Entry statement credits and airline incidental credits. In addition, you’ll have access to world-class travel benefits including concierge service, luxury hotel collection, and purchase and travel protections.
  • Redeem for gift cards and purchases at the Bank of America Travel Center, qualified Merrill accounts, including 529 accounts, bill credits on your credit card, cash back as a deposit into Bank of America® bank or savings accounts, or all of the above.
  • Members of Preferred Rewards receive 25–75% more points for every dollar spent. This means that for every $1 you spend on dining and travel, you could get 2.5–3.5 points, whereas for every $1 you spend on everything else, you could earn 1.87–2.62 points. Not registered? Find out more information about Preferred Rewards Premium Rewards
  • If you navigate away from this page, contact the bank directly, or visit a Bank of America banking center, this online-only offer could no longer be valid. When you apply right away, you can benefit from this deal.

Bank of America® Premium Rewards® Elite

Bank of America® Premium Rewards® Elite
Bank of America® Premium Rewards® Elite
  • Offer of 50,000 online bonus points, worth $500, with a $550 annual fee and no fees for international transactions.
  • Earn an infinite amount of 1.5 points for every $1 spent on all other purchases, and an unlimited amount of 2 points for every $1 spent on travel and dining. There is no cap on how many points you can collect, and they never expire.
  • Members of Preferred Rewards receive 25–75% more points for every dollar spent. In other words, for every $1 you spend, you may get 1.87 to 2.62 points on other purchases and 2.5 to 3.5 points on travel and eating.
  • Get up to $550 in combined TSA PreCheck®/Global Entry, lifestyle statement, and airline incidental credits. Additional features include a full-service concierge, access to airport lounges, first-rate hotel amenities, and purchase and travel protections.
  • You get to pick how you’ll be rewarded. Redeem your points for gift cards, cash back, statement credits, unique experiences, or vacation. Additionally, when you use the Bank of America Travel Center to pay using points, you can save 20% on airfare.
  • If you navigate away from this page, contact the bank directly, or visit a Bank of America banking center, this online-only offer could no longer be valid. When you apply right away, you can benefit from this deal.

Bank of America® Customized Cash Rewards for Students

Bank of America® Customized Cash Rewards for Students
Bank of America® Customized Cash Rewards for Students
  • 3% cash back in the category of your choice, including online shopping and eating away from campus.
  • No yearly charge
  • 3% cash back on purchases in your preferred category, 2% cash back at supermarkets and wholesale clubs (on the first $2,500 in combined purchases made at supermarkets and wholesale clubs each quarter), and 1% cash back on all other transactions. Gas, food, travel, drug stores, internet shopping, and home furnishings are some of the categories you can choose from. You must access Online Banking or utilize the Mobile Banking app if you want to modify your selection category for upcoming purchases. It can be modified once each month, or you can leave it alone and it won’t alter.
  • Online 0% Intro APR for your first 18 billing cycles for purchases, as well as for any balance transfers done during the first 60 days of starting your account, after making at least $1,000 in purchases in the first 90 days. When the introductory APR offer expires, a variable APR that ranges from 17.49% to 27.49% will take effect. All balance transfers are subject to a 3% charge.
  • When used correctly, a credit card can help you establish a credit history, which may be beneficial when applying for a job, flat, or even a car loan. Free access to your FICO® Score is available through your mobile banking app or online banking.
  • If you navigate away from this page, contact the bank directly, or visit a Bank of America banking center, this online-only offer could no longer be valid. When you apply right away, you can benefit from this deal.

Bank of America® Unlimited Cash Rewards for Students

Bank of America® Unlimited Cash Rewards for Students
Bank of America® Unlimited Cash Rewards for Students
  • Begin planning for the future of your finances while earning infinite cashback
  • No yearly charge
  • Earn unlimited 1.5% cash back on all purchases, with no cap on how much you may earn and no expiration date for your cash returns.
  • $200 in online cash rewards after spending $1,000 during the first 90 days of starting your account
  • For purchases made within the first 18 billing cycles and for balance transfers completed within the first 60 days of opening your account, there is a 0% intro APR. After then, a variable APR between 17.49% and 27.49% will be in effect. All balance transfers are subject to a 3% charge.
  • When used correctly, a credit card can help you establish a credit history, which may be beneficial when applying for a job, flat, or even a car loan. Free access to your FICO® Score is available through your mobile banking app or online banking.
  • If you navigate away from this page, contact the bank directly, or visit a Bank of America banking center, this online-only offer could no longer be valid. When you apply right away, you can benefit from this deal.

Bank of America® Customized Cash Rewards Secured

Bank of America® Customized Cash Rewards Secured
Bank of America® Customized Cash Rewards Secured
  • Boost or grow your credit while gaining compensation
  • No yearly charge
  • 3% cash back on purchases in your preferred category, 2% cash back at supermarkets and wholesale clubs (on the first $2,500 in combined purchases made at supermarkets and wholesale clubs each quarter), and 1% cash back on all other transactions. You must access Online Banking or utilize the Mobile Banking app if you want to modify your selection category for upcoming purchases. It can be modified once each month, or you can leave it alone and it won’t alter.
  • With a security deposit of $200–$5,000, you can open an account. Your needed deposit, along with your income and ability to pay, is used to set your credit line after your credit application has been approved. We’ll evaluate your account on a regular basis, and depending on your credit history overall (which includes your account, our overall connection with you, and other credit cards and loans), you might be eligible to get your security deposit back. Not all clients will be eligible.
  • Create a credit history by using this card responsibly; over time, this will help your credit score rise.
  • Your state of finances. Our top concern. Outstanding Customer Satisfaction with Financial Health Support – Banking & Payments at Bank of America, two years running
  • In contrast to cash rewards bonus offers, new account bonuses for secured card products are not offered, nor are introductory APRs.

Bank of America® Unlimited Cash Rewards Secured

Bank of America® Unlimited Cash Rewards Secured
Bank of America® Unlimited Cash Rewards Secured
  • Boost your credit and receive infinite cash rewards.
  • No yearly charge
  • Earn unlimited 1.5% cash back on all purchases, with no cap on how much you may earn and no expiration date for your cash returns.
  • With a security deposit of $200–$5,000, you can open an account. Your needed deposit, along with your income and ability to pay, is used to set your credit line after your credit application has been approved. We’ll evaluate your account on a regular basis, and depending on your credit history overall (which includes your account, our overall connection with you, and other credit cards and loans), you might be eligible to get your security deposit back. Not all clients will be eligible.
  • Create a credit history by using this card responsibly. Over time, this will help your credit score rise.
  • Your state of finances. Our top concern. Outstanding Customer Satisfaction with Financial Health Support – Banking & Payments at Bank of America, two years running
  • In contrast to cash rewards bonus offers, new account bonuses for secured card products are not offered, nor are introductory APRs.

Susan G. Komen® Customized Cash Rewards Credit Card

Susan G. Komen® Customized Cash Rewards Credit Card
Susan G. Komen® Customized Cash Rewards Credit Card
  • Get a $200 online cash rewards bonus offer for assisting the fight against breast cancer.
  • No yearly charge
  • 3% cash back on purchases in your preferred category, 2% cash back at grocery and wholesale clubs (on the first $2,500 in combined purchases made at grocery and wholesale clubs each quarter), and 1% cash back on all other transactions.
  • Gas, food, travel, drug stores, internet shopping, and home furnishings are some of the categories you can choose from. You must access Online Banking or utilize the Mobile Banking app if you want to modify your selection category for upcoming purchases. It can be modified once each month, or you can leave it alone and it won’t alter.
  • For purchases made within the first 18 billing cycles and for balance transfers completed within the first 60 days of opening your account, there is a 0% intro APR. When the introductory APR offer expires, a variable APR that ranges from 17.49% to 27.49% will take effect. All balance transfers are subject to a 3% charge.
  • Preferred Rewards members earn 25%-75% more cash back on every purchase. That means the 3% choice category could earn 3.75% – 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% – 3.50%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% – 1.75%. Not enrolled?
  • This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Bank of America® Customized Cash Rewards Credit Card

Cash back credit card

Cost per year: zero

$200 online cash rewards bonus as a welcome bonus after spending at least $1,000 in the first 90 days of account opening.

Ongoing benefits:

The Bank of America® Customized Cash Rewards credit card has a rewards structure that is somewhat complex, but it offers potentially considerable benefits for users who make small purchases.

For the first $2,500 of combined bonus category/grocery store/wholesale club spending per quarter, you’ll receive 3% back on a category of your choice (see options below) and 2% back; after reaching that amount, you’ll receive 1% back on these purchases.

All other purchases will earn 1% back.

You can select one of the following six possibilities when choosing a 3% back bonus category:

  • Gas
  • Online shopping
  • Dining
  • Travel
  • Drugstores

Home improvement and furnishings

This category may be changed as often as once every month. According to the issuer, the default 3% cash-back category will be set to petrol if you don’t make a choice. Unless you modify it, your chosen category will not vary from month to month.

APR: For the first 18 payment cycles, there is a 0% intro APR on purchases, and for the first 60 days, there is a 0% intro APR on balance transfers. After that, the ongoing APR ranges from 17.49% to 27.49% variable.

Other benefits:

Higher rewards rates are available to cardholders who qualify for the Bank of America® Preferred Rewards program.

With this card, there is a $25 minimum redemption requirement for other redemption choices, however there is no minimum redemption requirement for redeeming cash rewards once into your Bank of America® account or as a statement credit. Cash-back rewards may be exchanged for statement credits, checks, direct deposits into Bank of America® checking or savings accounts, contributions to qualifying Merrill accounts, or eligible 529 accounts. You can choose to sign up for automatic redemption as well.

Pay great attention to the spending limits on the bonus categories before seizing this opportunity. You might earn more rewards with a different card that doesn’t impose such restrictions if you spend significantly more than $2,500 per quarter on this card’s 3% and 2% categories.

Should I Get the Bank of America® Customized Cash Rewards Credit Card?

For people who spend thousands of dollars each month, the Bank of America® Customized Cash Rewards credit card may not be the best option due to bonus-category spending limits. But if you’re a thrifty shopper and want to pick your own 3% cash-back bonus area, this card is a great option, especially if you keep a lot of money with Bank of America® or Merrill.

Despite its complex terms, the Bank of America® Customized Cash Rewards credit card stands out among other cash-back cards as a fantastic choice.

In contrast to other cards, the one with no annual fee allows you to select your own 3% bonus category from a list of choices and to alter your choice as much as once each month. It’s an excellent offer in particular for people who can increase their rewards rates by maintaining sizable balances with Merrill or Bank of America®.

The card’s biggest drawback is that bonus category spending restrictions apply, making it an unwise choice for heavy consumers.

Frequently Asked Questions

1. What is a Bank of America Cash Rewards Visa Signature Card?

Financial institutions utilize bank signature cards as proof of a customer’s signature for personal and business bank accounts. When opening a bank account or adding or removing account holders, the account holder signs a signature card.

2. Is there a fee for using the Bank of America Cash Rewards Visa Signature card abroad?

The foreign transaction fee for the Bank of America Customized Cash Rewards credit card is 3%. The card’s foreign transaction fee will be charged whether you use your computer to shop online or travel to another country.

3. Is cash rewards free money?

Cashback may seem like free money when you’re making purchases you would have made regardless of the offer. However, there is a cost because you only get payback for making the initial purchase, therefore there is a cost involved.

4. What makes Visa superior to Mastercard?

While both of them provide benefits for travel insurance, emergency assistance, and purchase protection and insurance, Visa Signature provides substantially more of these to its cardholders. A Global Entry statement credit, extended warranties, roadside assistance, and other benefits are available to Visa Signature subscribers.

5. What is a Visa Signature Cash Rewards Card?

With Navy Federal direct deposit, Visa Signature cash Rewards Cardholders will receive 1.75% cash back rewards on every $1 of eligible net purchases, or 1.5% cash back rewards without direct deposit.

6. Bank of America Cash Rewards is what kind of credit card?

Customized Cash Rewards secured credit card from Bank of America. 3% cash back on purchases in your preferred category, 2% cash back at supermarkets and wholesale clubs (on the first $2,500 in combined purchases made at supermarkets and wholesale clubs each quarter), and 1% cash back on all other transactions.

7. Which credit card is accepted by Bank of America Cash Rewards?

Visa, not Mastercard, is the type of credit card offered by Bank of America® Customized Cash Rewards. Your Bank of America Customized Cash Rewards credit card is accepted at approximately 11 million businesses nationally that accept Visa, as well as in more than 200 foreign nations and territories.

8. What is the credit card limit for Bank of America Cash Rewards Visa Signature Card?

Minimum $5,000 Credit Limit – To be eligible for a Visa Signature card, you must have a good to excellent credit rating because the credit limit on these cards is minimum $5,000.

9. Is Bank of America Cash RewardsVisa signature better than Visa?

Visa Signature credit cards also give you extended warranties, a thorough year-end summary, and travel support services in addition to those “Visa Traditional” benefits. Because they are intended for users with stronger credit and higher incomes, Visa Signature cards offer additional benefits than conventional Visa cards.

10. Which is better Visa Platinum or Visa signature?

The incentive programs and minimum credit limits are what set Visa Signature and Visa Platinum apart. However, Visa Platinum is your best option if you’re looking for a card with 33 percent cash back. Visa Signature is the best if you want additional travel perks.

11. Is my Visa signature card accepted at ATMs?

Yes, you can get cash from any ATM that bears the Visa® brand with your Visa® credit card. If you use your credit card in an ATM, we won’t charge you a fee.

12. What distinguishes a credit card from a Bank of America cash rewards visa signature card?

Visa Signature credit cards offer additional privileges and advantages over those given to cardholders of regular Visa cards. These perks could include increased purchasing protections, vacation discounts, and concierge access.

Also Read: Bank of America Credit Card Balance Transfer

Image credit: Bank of America

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