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Are you kidding me? 40% Bonus is the only difference? Is it really justifying the $75 AF?
BoA better make some changes to that card...because right now it looks like a terrible card.
Rewards TypeSpecial Offer
1% cash back on purchases, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery and gas purchases each quarter | 1% cash back on purchases, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery and gas purchases each quarter | ||
Cash Rewards | Cash Rewards | ||
Get a $100 cash rewards bonus after qualifying purchase(s). 10% customer bonus offer | Get a $100 cash rewards bonus after qualifying purchase(s). Plus a 50% customer bonus offer. |
@enharu wrote:
The AF can be waived for customers with >50k in deposits, so if you already meet those requirements, you could just go for the privileges at no extra charge. The card is mostly targeted towards their "better" clients.
That does seem about it though.
Ouch, it's pretty disappointing looking at a card with a $75 AF. Expected a bit better from BoA, but oh well...of course it would be a no brainer for people that have 50k+ balance with BoA.
Unless you have a lot of 1% spending (in which case you should use a different card) it really is pretty shabby! Assuming you spend everything on the best category, the card gives an extra 1.5% per quarter on $1,500, = $22.50. So that is $90 a year, which does outweigh the AF, but that assumes maximizing the spend in that category
@longtimelurker wrote:Unless you have a lot of 1% spending (in which case you should use a different card) it really is pretty shabby! Assuming you spend everything on the best category, the card gives an extra 1.5% per quarter on $1,500, = $22.50. So that is $90 a year, which does outweigh the AF, but that assumes maximizing the spend in that category
It's not too bad, but comparing UR to the BoA amex sounds weak, unless you are just redeeming it for cash of course.
My balances are nowhere near it to get the waiver. Plus I am not ready for a 2nd AF card, CSP will keep me busy, plus the UR is a much more powerful system than what BoA has.