BoA 123... Your Thoughts

[subsnao]

How viable is the BoA 123? Putting it on my app list in the next 6 months to a year. I would like to know your opinions as I was looking at the terms and the 0% APR intro is really a gimmick, but the rewards are nice.

[enharu]

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@subsnao wrote:

How viable is the BoA 123? Putting it on my app list in the next 6 months to a year. I would like to know your opinions as I was looking at the terms and the 0% APR intro is really a gimmick, but the rewards are nice.

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What do you mean by viable? From your perspective, or the bank's?

It seems to be a great card with a nice rewards structure. 0% APR promos always nice to have as well, as long as you don't go overboard and try to eat more than what you can chew.

[Lecalex]

The BoA Rewards card was my very first credit card. I love it. It took me about a year and a half to accumulate $55 in rewards.
They even offer $0 annual fee when you sign up online. I've had no problems with this card, but I also pay it off every month.

[dta]

My BofA CR Signature initial CL was 5k, when at the time (last July) my highest CL was 1.5k. I've banked with BofA for four years and my AAoA was over 10 yrs due to student loans, revolving AAoA only about a year. I was surprised. I'm pretty happy with it. I hit the bonus spend in the first month and redeemed the credit +10% after my first statement. The 3% on gas will be nice during off months for the Freedom.