I have the BBR, and lately they frequently offer me either a $200 signup bonus for the cash rewards card, or 20,000 bonus points for the travel rewards card. So it might make sense to get the BBR now, and wait for a good targeted offer on the other two later.
@thelethargicage wrote:I'm thinking of apping for one of these cards, but I can't decide which one.
The CR is an easy $100 via signup bonus, but the low reward rates are very unappealing.
The BBR, on the other hand, is an $120 every year and doesn't even need to be in my wallet. I could just put my gym membership on it ($32/month) and pay it off after statement closes. My only concerns are 1) how does BofA calculate minimum payment? and 2) what's the likelihood of this card getting nerfed in the near future?
Thoughts/suggestions?
According to their program rules, "A monthly payment received on or before the Due Date, which is more than the Minimum Payment due; a payment in full received on or before the Due Date is a Qualifying Payment"...so I would say you can just set your autopay to the statement balance and you should be fine. As a result, I think your first question is less important 
For ease of use I think the BBR probably suits you better, unless you happen to be a Platinum Honors tier BoA customer ($100,000+ in BoA/ML accounts). In that case, the Cash Rewards card effectively becomes 1.75%/3.5%/5.25% for general/groceries/gas, which would make it an ever-so-slightly better gas card than SM.
I have the application all filled out and am ready to pull the trigger. However, I'm wondering if my profile will support this card...
Recent FICOs:
TU - 802 (Discover, Barclays)
EX - 790 (Amex)
AAoA: Between 5 years 10 months and 6 years (depending on the bureau; I have some accounts that didn't report to EX and TU)
Utilization: $20/$160,500 (.0125%)
Most recent CCs:
Double Cash (opened on 4/5/2015)
Fidelity Amex (opened on 12/27/2014)
Car Loan (6/24/2015)
Car Loan Refi (8/26)
DTI: 20%
Income: $88,800
Should I wait till my Fidelity Amex hits the 1-year mark?
@Themanwhocan wrote:I have the BBR, and lately they frequently offer me either a $200 signup bonus for the cash rewards card, or 20,000 bonus points for the travel rewards card. So it might make sense to get the BBR now, and wait for a good targeted offer on the other two later.
Do you bank with BofA? Or do you just keep an account for the bonus? Do you use the BBR for purchases or just put a single charge on it every month?
**Ben Stein's voice**
Anyone? Anyone?
Are you kidding? Look at my scores! I got approved for TWO BBR cards. Just go for it already! 
I apped and...I got an instant denial!
@thelethargicage wrote:I apped and...I got an instant denial!
Wow, sorry to hear! Maybe they don't like high scores for that card? 
