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Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: Easy money, you can too.

So essentially anyone can open this card as long as they pay the 75AF right? Are there any other restrictions like the BofA travel privileges?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Easy money, you can too.

Nope anyone can apply. I think this and the BofA amex world points are best looking cards BofA offers
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Senior Contributor
longtimelurker
Posts: 5,974
Registered: ‎04-22-2013
0

Re: Easy money, you can too.


jsickz32 wrote:
Nope anyone can apply. I think this and the BofA amex world points are best looking cards BofA offers

Yes, my mistake.  On my BoA page it says:

 

As a Platinum Privileges client, you have access to the rewarding BankAmericard Privileges® credit card with Cash Rewards

 


What it doesn't say is that non-PP clients also have access with exactly the same terms!

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Easy money, you can too.

The card worth the AF if you spend a lot and have any BofA bank account.

I just open a regular saving and put minimum of $300 to not have fee. When I get cash back I redeem it and transfer it out to my Chase.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
longtimelurker
Posts: 5,974
Registered: ‎04-22-2013
0

Re: Easy money, you can too.


armbenderc wrote:
The card worth the AF if you spend a lot and have any BofA bank account.



But again, compared to what?  If you spend all $6,000 on gas, you get back $180+ $90 bonus = $270.  Minus the fee that's a gain of $195 per year, + 1.5% on all spending

 

With the Fidelity Amex, the $6,000 on gas earns $120, leaving $75 to make up with the extra 0.5%, so an extra $15K spend puts Amex ahead (and this is the best case for BoA).  And other combinations, such as PenFed and Quicksilver, do much better.

 

Not to say that this is a bad card, but you should always take opportunity costs into account (e.g. "this card more than earns its annual fee, but does it net more than another card that I can reasonably expect to get?")

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)

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