
Bank of America's Best Credit Cards offer a cashback bonus that's hard to resist. You can earn a $200 cashback on a $1000 purchase with the right credit card.
To qualify for this offer, you'll need to meet the spending requirements within the specified timeframe. The Bank of America credit card that offers this deal is specifically designed to help you earn cashback rewards.
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Best Credit Cards with Initial Bonus
If you're looking for credit cards with an initial bonus, Bank of America is a great place to start.
The Bank of America Customized Cash Rewards credit card offers a $200 online cash rewards bonus after spending $1,000 within the first 90 days of opening an account.
You can also earn a $200 initial bonus with the Bank of America Unlimited Cash Card, which requires at least $1,000 in purchases in the first 90 days of account opening.
To qualify for the $200 bonus with any of these cards, you need to meet the spending requirement within the specified timeframe.
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Bank of America also offers other initial bonuses, which can be found on WalletHub's list of the best Bank of America credit card bonuses.
The Bank of America Unlimited Cash Card has a decent welcome offer, and it's easy to earn: a $200 online cash rewards bonus after meeting the spending requirement.
To potentially unlock even more rewards, you can consider moving your funds to Bank of America and taking advantage of the Bank of America Preferred Rewards program.
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Bank of America Credit Card Information
You can earn a $200 initial bonus with Bank of America credit cards by spending $1,000 within the first 90 days of opening an account.
To qualify for the bonus, you must meet the spending requirement, which can be achieved by charging at least $1,000 in your first 60 days, as one user has done.
The Bank of America Customized Cash Rewards credit card offers 3% cash back in the category of your choice, which can be set to dining, gas, online shopping, travel, drug stores, or home improvement/furnishings.
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However, the categorization of your charges is entirely dependent on the correct categorization with a specific card of a company's primary business, not what you purchased.
The card also receives 2% cash back at the grocery store, which can be used for food in general.
You can set up automatic redemption into an eligible Bank of America checking or savings account, or an eligible CMA with Merrill Lynch Wealth Management.
Alternatively, you will need to log in to the Bank of America website and manually apply your rewards to your credit card periodically.
The Bank of America Unlimited Cash Card earns unlimited 1.5% cash back on all purchases and has a $0 annual fee.
With this card, you can potentially unlock 2.625% cash back on every purchase by combining it with the Bank of America Preferred Rewards program.
To take advantage of this program, you can move your checking, savings, or investment accounts to Bank of America and earn new account bonuses.
The more you move, the more you can earn, and a simple visit or call with a Bank of America banker can unlock massive earning potential.
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Boosting Bank of America Card Earnings

To boost your earnings with a Bank of America card, you'll need to spend $1,000 within the first 90 days of opening an account to qualify for the $200 bonus. This applies to all Bank of America credit cards that offer an initial bonus.
You can earn 3% cash back in the category of your choice with the Bank of America Customized Cash Rewards credit card, but be aware that the categorization of businesses can vary between cards and even between Visa, Mastercard, and American Express.
Setting the bill to come to you via postal mail can help you keep track of your purchases and remind you that money will be flowing out of your checking account. This is a good idea, especially if you're trying to stay on top of your finances.
To potentially unlock 2.625% cash back on every purchase, you'll need to obtain a Bank of America Unlimited Cash Card and earn 1.5% cash back on all purchases, plus the $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
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You can set up automatic redemption into an eligible Bank of America checking or savings account, or an eligible CMA with Merrill Lynch Wealth Management, but you may need to log in to the Bank of America website periodically to manually apply your rewards to your credit card.
Don't be discouraged if the extra effort required to earn rewards seems daunting – depending on your spending in certain categories, the extra rewards may be worth the extra work.
Highlights
There is no annual charge for this credit card.
You can earn a 200 online cash reward bonus on purchases of at least $1,000 within the first 90 days after account opening.
The cash rewards don't have a limit, so you can earn as much as you want.
You can earn 25%-75% cash back if you're a member of Preferred Rewards.
The 0% intro APR applies to purchases and balance transfers within the first 60 days.
The 13.99%-23.99% variable APR applies after the intro APR deal ends.
There's a 3% (min $10) fee for all balance transfer transactions.
Suggestion: Cash Advance up to 1000
Frequently Asked Questions
What is 2% cash back on 1000?
For every $100 spent, you earn $2 cash back, so on $1000, you'd earn $20. Redeem your rewards to make this cash back usable.
How much are 1000 Bank of America points worth?
1000 Bank of America points are worth $10 in travel credits, $6 in cash, and vary in gift card redemption values
What does a $200 bonus on a credit card mean?
A $200 bonus on a credit card is a reward for new cardholders who meet a spending requirement within a few months, redeemable as statement credit or a check. This bonus is a great incentive to sign up for a credit card and start earning rewards.
Sources
- https://wallethub.com/answers/cc/how-do-i-get-a-200-credit-card-from-bank-of-america-1000523-2140802956/
- https://www.brightmoney.co/card/bank-of-america-unlimited-cash-rewards-credit-card
- https://www.marottaonmoney.com/review-bank-of-america-credit-card/
- https://www.bankrate.com/credit-cards/reviews/is-bank-of-america-unlimited-cash-rewards-worth-it/
- https://awardwallet.com/blog/earn-2-625-cash-back-all-purchases/
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