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BOA Cash Rewards 3% online shopping questions

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Frequent Contributor

BOA Cash Rewards 3% online shopping questions

BOA Cash Rewards 3% online shopping seems to be great. Does it cover in-store shopping? Shall it be used for e.g. online purcahse and afterward, pickup in store (in most cases, possibly cannot be done in the same day)? How should it get used to get the most benefits from this card while shopping at e.g. Macys, Kohl, Walmart?


Current:::::::::::::EX8=780, EQ8=780, TU8=780.
12 month goal: EX8=800, EQ8=800, TU8=800.
AMEX BCE, AMEX PRG, AMEX HH, BOA CR, BOA Better CR, BOA PR, BOA TR, Chase AMZ, Chase Freedom, Discover CR, Uber, USB Cash+, Walmart/Synchrony.
Message 1 of 9
8 REPLIES 8
Valued Contributor

Re: BOA Cash Rewards 3% online shopping questions

I believe as long as the charge shows up as an online charge (ie kohls.com) then it will count for online shopping, even if you pickup in the store.
However I have not done this so can't confirm.
Message 2 of 9
Super Contributor

Re: BOA Cash Rewards 3% online shopping questions


@AnimalHouse121 wrote:
I believe as long as the charge shows up as an online charge (ie kohls.com) then it will count for online shopping, even if you pickup in the store.
However I have not done this so can't confirm.

I believe this ^^^^^^    is correct.

 

Message 3 of 9
Moderator

Re: BOA Cash Rewards 3% online shopping questions


@AnimalHouse121 wrote:
I believe as long as the charge shows up as an online charge (ie kohls.com) then it will count for online shopping, even if you pickup in the store.
However I have not done this so can't confirm.

Yes as long as you order it online you can pick it up in store.

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Message 4 of 9
Established Contributor

Re: BOA Cash Rewards 3% online shopping questions

I'll let you in on a secret. Hook up BoA cash rewards,  for online purchases,  to Walmart pay and use IN STORE.  It registers as an online transaction,  3%. 

Scores, HPs/24 mos.:
    Experian FICO Score 8 = 847, 2/24
    TransUnion = 839, 0/24
    Equifax = 839, 0/24

Cards (hover over for CL & interest rate):

Total CL: $238,000
Message 5 of 9
Frequent Contributor

Re: BOA Cash Rewards 3% online shopping questions

It is not a secret Smiley Happy. It is already mentioned in their website (purchase online or within the app).


Current:::::::::::::EX8=780, EQ8=780, TU8=780.
12 month goal: EX8=800, EQ8=800, TU8=800.
AMEX BCE, AMEX PRG, AMEX HH, BOA CR, BOA Better CR, BOA PR, BOA TR, Chase AMZ, Chase Freedom, Discover CR, Uber, USB Cash+, Walmart/Synchrony.
Message 6 of 9
New Contributor

Re: BOA Cash Rewards 3% online shopping questions

Here’s a more detailed thread on the flyer talk that goes into a deeper dive on it .

https://www.flyertalk.com/forum/credit-card-programs/1945621-bank-america-cash-rewards-3-category-qu...
AMEX BCP - $30,000
NFCU More Rewards $25,000
BOA Cash Rewards VISA Signature $25,000
Advantage Aviator World Mastercard - $15,100
Wells Fargo Propel - $7,500
Total CL - $102,600
Message 7 of 9
Established Contributor

Re: BOA Cash Rewards 3% online shopping questions

I am considering this card JUST for the online category. How good is it?

 

I've been getting a lot of prequals for it (although I know it does not really give me any advantage). I think the only thing that is stopping me from applying was the FTF. "World Mastercard" but with FTF. *rolls eyes* 

 

Is this something anyone here would highly recommend? Not sure if the occasional extra 1% (vs 2%) is worth an app and an HP. I do like the SUB though ($200/$1000).




Message 8 of 9
Established Contributor

Re: BOA Cash Rewards 3% online shopping questions


@xenon3030 wrote:

It is not a secret Smiley Happy. It is already mentioned in their website (purchase online or within the app).


It's not a big secret. A little secret. Not many people would think by having the product in their hand and paying for it at the register, it's considered an online purchase. On websites, of course they would.

Scores, HPs/24 mos.:
    Experian FICO Score 8 = 847, 2/24
    TransUnion = 839, 0/24
    Equifax = 839, 0/24

Cards (hover over for CL & interest rate):

Total CL: $238,000
Message 9 of 9
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