2025.6 Replace: The brand new supply is $200 plus limitless 2% cashback for the primary 12 months. That is 0.5% extra cashback along with the prevailing 1.5% cashback charge. Subsequently, if you’re a Platinum Honors member with +75% bonus, you’ll earn 1.5%*(1+75%)+0.5%=3.125% cashback charge! That is the perfect ever supply on this card. This can be a incredible supply when you’ve got large spending.
2021.7 Replace: This can be a new card, and the welcome supply is $200.
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Advantages
- $200 supply: earn $200 cashback after spending $1,000 in first 3 months.
- Earn 1.5% cashback on all purchases.
- BoA Most well-liked Rewards program: If in case you have checking/financial savings/brokerage account in BoA or Merrill Edge, you may earn further factors based mostly on the quantity of asset. Earn further 25% rewards if you’re 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 charge.
Disadvantages
- It has international transaction charge, so it is not a good selection exterior the US.
Beneficial Software Time
- You will 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 state of affairs.
- [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 absolutely up to date but, you could not get declined due to this rule. As a substitute, you could get authorized at first, after which the account might be closed due to “authorized in error”.
- [New] 24 month churn rule: This card won’t be out there to you in case you at present have or have had the cardboard within the previous 24 month interval.
Abstract
The sign-up bonus is respectable for a no annual charge card. If you’ve got $100k+ steadiness in BoA or Merrill Edge, you may earn 1.5%*(1+75%)=2.625% in return! This card is sort of just like BoA Journey Rewards, the primary 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 international transaction charge, so that you shouldn’t use it exterior of the US.
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After Making use of
- Click on right here to examine BoA utility standing.
- BoA reconsideration backdoor quantity: 877-383-0120 or 866-811-4108. It appears that evidently the quantity is altering. Please inform us without delay if it fails. The representatives right here can get in contact with decision-makers immediately.
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