2026.3 Replace: The brand new provide is $500.
2023.11 Replace: There may be an software hyperlink with $500 provide. HT: DoC. [Update] Expired.
2021.10 Replace: This card was simply launched with a $300 provide, and now individuals managed to acquire a $500 provide hyperlink. HT: reader NeverBehave
Software Hyperlink
Advantages
- $500 provide: earn $500 cashback after spending $5,000 in first 3 months. That is the most effective ever provide on this card.
- Earn 1.5% cashback on all purchases.
- BoA Most well-liked Rewards program (enterprise model): If in case you have checking/financial savings/brokerage account (enterprise model) in BoA or Merrill Edge, you may earn further factors primarily based on the quantity of asset. Earn further 25% rewards in case you are in Gold tier ($20k or extra in stability); 50% if Platinum tier ($50k or extra in stability); 75% if Platinum Honors tier ($100k or extra in stability).
- No annual price.
Disadvantages
- It has international transaction price, so it isn’t a sensible choice exterior the US.
Really useful Software Time
- We advocate you apply for this card after you’ve gotten a credit score historical past of at the very least one yr.
- [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, chances are you’ll not get declined due to this rule. As an alternative, chances are you’ll get accepted at first, after which the account will likely be closed due to “accepted in error”.
- [New] 24 month churn rule: This card is not going to be obtainable to you in the event you presently have or have had ANY BOA BUSINESS CARD within the previous 24 month interval.
Abstract
Its sign-up bonus is respectable for a no price card. For those who can attain the very best degree of BoA Most well-liked Rewards (enterprise model), then the spending rewards is 2.625% on every part which is superb.
After Making use of
- Click on here to examine BoA software standing.
- BoA reconsideration backdoor quantity: 800-732-9194. It appears that evidently the quantity is altering. Please inform us directly if it fails. The representatives right here can get in contact with decision-makers instantly.
Historic Provides Chart
Software Hyperlink
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