Apply for Bank of America® Cash Rewards Online – A Detailed Guide


Bank of America offers a wide range of credit cards with various benefits. Bank of America® Cash Rewards credit card offers a cash bonus to new cardholders and cash back for purchases. To qualify for a Bank of America® Cash Rewards card, you need a good or excellent credit score. This means you need a credit score of 700 or higher.

Bank of America® Cash Rewards Rates & Fees

ANNUAL FEE INTRO APR APRS BALANCE TRANSFER FEE FOREIGN TRANSACTION FEE
0 USD 0% for 12 billing cycles

Applies to purchases and to any balance transfers made within 60 days of opening your account

15.24% – 25.24% variable Pay a fee of 3% per each transaction (no less than $10) For any transactions made outside the USA, you’ll pay 3% of the USD amount, whatever the transaction currency is.

How to Apply for Bank of America® Cash Rewards Credit Card Online

  1. You can quickly and easily apply for Bank of America® Cash Rewards credit card online.
  2. To get started, visit their website at https://www.bankofamerica.com/cash-back-credit-card/
  3. Click the blue “Apply Now” button under the card.
  4. This will bring you to the application. Enter your first and last name and your residential address. If you have a different mailing address, check the box next to “Send my statement to a different address.”
  5. Enter your primary phone number and the type of phone that you own. Provide your email address. Select an answer to each of the citizenship questions and select your country of residence.
  6. Enter your date of birth, select your employment status, enter your total annual income and select your source of income. Choose the amount of liquid assets that you own, which includes the amount of money you have in total in your checking and savings accounts, stocks, CDs, and money market accounts.
  7. Enter your monthly housing payment. If you want to transfer a balance or add a cardholder, select the appropriate box.
  8. Scroll to the bottom of the page and check the box saying that you agree to the terms and conditions. Click “Continue” and follow the prompts to complete your application.
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Other Ways to Apply for a Bank of America® Cash Rewards Credit Card

You can also apply for a Bank of America® Cash Rewards credit card by phone or at a local branch. To apply by phone, call 1-800-932-27-75. To find a branch in your area, you can visit their website: locators.bankofamerica.com.

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Sign Up for Bank of America Account

If you don’t have a Bank of America account, you need to enroll in online banking to get full and secure access to managing your finances online. To register your Bank of America account, visit the homepage at www.bankofamerica.com. Click “Enroll” on the left side of the page. Enter the last 6 digits of your card or account number, your full Social Security number and click “Continue”. On the next page, you need to create your ID and password. Hit the “Continue” button and follow the prompts to complete your Bank of America account registration.

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Bank of America® Cash Rewards FAQs

Is there an annual fee?
The Bank of America® Cash Rewards card has no annual fee.

Is there any intro APR?
The Bank of America® cash back card offers a 0% APR for the first 12 months after any purchases or balance transfers you initiate within 60 days of opening your account.

What is the APR for a Bank of America® Cash Rewards credit card?
The APRs for this credit card is between 15.24% and 25.24%.

Can I transfer a balance?
You can transfer a balance. For each transaction, you’ll pay a fee of 3% (no less than $10.)

Before you apply for balance transfer calculate your total interest rates, monthly payments, your total cost of borrowing card credit and total savings.

Can I use the Bank of America® Cash Rewards credit card for foreign purchases?
You can use this credit card for foreign transactions. Bank of America® cash back credit card charges a foreign transaction fee of 3 percent.

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