BoA offer for 1.5% new credit card

[Anonymous]

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@BearsCubsOtters wrote:

Hello,

It has been discussed here:

https://ficoforums.myfico.com/t5/Credit-Cards/BoA-offer-for-1-5-new-credit-card/td-p/6370564

I would imagine your thread post will be moved there.  Thank you for posting; it is strange that they would have just gone for 1.5%

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@BearsCubsOtters Thanks for linking this thread; a Google "site" search did not bring up any mentions of this card.

I have no idea why they chose 1.5% cash back, but with the various tiers of Premium Rewards you could easily bump it to 2.25% or 2.625%.

[DaveInAZ]

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@Anonymous wrote:

I just logged into my BofA account and was greeted with an offer for a credit card that I did not know existed... the Bank of America Unlimited Cash Rewards card.

It seems that this card is similar to Chase's Freedom Unlimited card with a 1.5% cashback.

In addition to the $200 cash bonus for $1,000 spend in the first 90 days, the offer includes:

Does anyone here have this card?  A search of the forum doesn't bring up any results.

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Yeah, I don't even see that card in their list of CCs.

I got the email offer about switching my Cash Rewards 1.5% at work on mobile and promptly deleted it, so I can't recover it. I would have taken the $200 bonus for $1k spend offer. I have my 3% category set for gas, but I only spend around $100 monthly on gas; short commute and car that gets 35mpg, so a loss of a buck fifty per month in rewards would be no big deal for a $200 spend bonus.

And I just logged into my BoA account to see if the Cash Rewards offer might be there; it's not but I got offered this card:

I didn't know they still offered the BankAmericard. No spend bonus, but 18 months 0% is tempting. And my offer specifically stated a 19.9x% APR, so probably legit. But I've already opened 3 new CCs this year and don't want to hit my mid 760s Fico 8 too badly. But since my 3rd new card hasn't reported yet this would be the time to go for it. Thinking it over. 

[ChargedUp]

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@DaveInAZ wrote:

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@Anonymous wrote:

I just logged into my BofA account and was greeted with an offer for a credit card that I did not know existed... the Bank of America Unlimited Cash Rewards card.

It seems that this card is similar to Chase's Freedom Unlimited card with a 1.5% cashback.

In addition to the $200 cash bonus for $1,000 spend in the first 90 days, the offer includes:

Does anyone here have this card?  A search of the forum doesn't bring up any results.

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Yeah, I don't even see that card in their list of CCs.

I got the email offer about switching my Cash Rewards 1.5% at work on mobile and promptly deleted it, so I can't recover it. I would have taken the $200 bonus for $1k spend offer. I have my 3% category set for gas, but I only spend around $100 monthly on gas; short commute and car that gets 35mpg, so a loss of a buck fifty per month in rewards would be no big deal for a $200 spend bonus.

And I just logged into my BoA account to see if the Cash Rewards offer might be there; it's not but I got offered this card:

I didn't know they still offered the BankAmericard. No spend bonus, but 18 months 0% is tempting. And my offer specifically stated a 19.9x% APR, so probably legit. But I've already opened 3 new CCs this year and don't want to hit my mid 760s Fico 8 too badly. But since my 3rd new card hasn't reported yet this would be the time to go for it. Thinking it over. 

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Isn't Citi offering up to 21 months at 0% on DC?

[Anonymous]

I have the BOA customized cash rewards and a couple weeks ago opened a BOA checking and an account at Merrill and added $100k to start the clock on preffered rewards.

I had anticipated applying for premium rewards but this new offering is making me reconsider, I will eventually be traveling to Europe for work again so it will probably come down to FTF.

[DaveInAZ]

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@ChargedUp wrote:

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Isn't Citi offering up to 21 months at 0% on DC?

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Don't know & don't care, I don't do Citi - bad experience in the past, and and unlike Citi BoA really likes me and treats me well.

But thanks for the info 

[DaveInAZ]

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@DaveInAZ wrote:

I just logged into my BoA account to see if the Cash Rewards offer might be there; it's not but I got offered this card:

I didn't know they still offered the BankAmericard. No spend bonus, but 18 months 0% is tempting. And my offer specifically stated a 19.9x% APR, so probably legit. But I've already opened 3 new CCs this year and don't want to hit my mid 760s Fico 8 too badly. But since my 3rd new card hasn't reported yet this would be the time to go for it. Thinking it over. 

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I went for it - approved for $11k CL. I'll post in CC Approvals. 

[Curious_George2]

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@Curious_George2 wrote:

I haven't seen this mentioned anywhere, but according to a CSR I spoke to today (grain of salt advised), this card will open up to the public for apps and PC on Sunday, 7/18. For now, only people who were targeted with the invitations can get it. 

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I called today and found out that, for me at least, the new Unlimited Cash Rewards is available to PC into. 

It also showed up today for the first time on their website's list of cards available to app for when I'm logged in. It doesn't appear when I'm logged out. Based on that and the last few posts, it seems they might be rolling it out in stages. I never received an email or popup invitation to apply.

[DaveInAZ]

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@Curious_George2 wrote:

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@Curious_George2 wrote:

I haven't seen this mentioned anywhere, but according to a CSR I spoke to today (grain of salt advised), this card will open up to the public for apps and PC on Sunday, 7/18. For now, only people who were targeted with the invitations can get it. 

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I called today and found out that, for me at least, the new Unlimited Cash Rewards is available to PC into. 

It also showed up today for the first time on their website's list of cards available to app for when I'm logged in. It doesn't appear when I'm logged out. Based on that and the last few posts, it seems they might be rolling it out in stages. I never received an email or popup invitation to apply.

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As I posted above I got the email offer this week, but it was at work on my mobile and thought "why would I convert my Cash Rewards card that gets up to 3% rewards into another 1.5% card, that's so Capital One". So I deleted it and when you delete an email on mobile you can't get it back.

So I called in today. I can PC into the 1.5% card, but no spend bonus for PC'ing in, only on new apps. So No Thanks, I'll stick with my Cash Rewards card. 

[Anonymous]

An ad to apply for this card is appearing on the Home Screen of the BOA app before I log in.  I don't see it on the main webpage yet though.  It does have a 3% FTF.

[QuakerOatmeal]

Think the Premium Rewards card is getting discontinued?

Between the clunky name, lack of promotion, and the (possibly, unverified anecdotal) low approval rate, it seems like BOA is going to replace it.

I love mine, but it does feel like it needs a little TLC given the AF.