I have had the card for several years, it was obtained when I was turned down by American Express (Which seems to be normal), and I have not looked back. They immediately replace the card at any hint of fraud, and the rewards are excellent. So if you are looking for an everyday cardthis may be what you need.
I have a BofA credit card that get's monthly use, is always paid on time, and carries no balance. For the last month, BofA has been emailing me pre-screened offers, about 3 a week, asking me to apply for this new 'customized cash rewards' credit card. I finally applied (my credit score is excellent with no negative reporting, and I'm prescreened, so why not?) DENIED, is why not. Now I have a pointless hard pull on my credit report, harming my score. BofA: Don't barrage customers with prescreened offers if you're regularly denying applicants who have excellent credit.
I decided to accept a balance transfer offer. Now that I have a 0% balance, they have decided to charge me interest on all my purchases. It is very unfair and likely very illegal. I've been a customer for years, but customer service doesn't matter to these people. They are all about the bottom line. Avoid this card! BOA is a nightmare.
Beware, they will screw up your credit, you can make all payments on time and then all of the sudden your credit takes a HUGE hit because you "missed" a payment, then they don't fix their mistake. I should've listened to these reviews warning me, I was over 800 and now lost over 40 points because of these a-holes. They won't change or fix their messy ways
I have excellent credit score, received solicitation in the mail from BoA to apply for their card and did not get approved when I did. First time I have ever been declined when applying for a card. I read others’ reviews and thought - no way this would happen to me too. It did and likely will happen to you too. DONT BOTHER!
I wanted it, almost got it but the reviews scared me away! It took YEARS to repair my credit and I value my good name!
I first applied and it errored out. Applied again and got all info correct with no credit issues, 820 credit score, 1% card utilization and am a preferred rewards member with over 500k in BoA assets and making 150k+ a year and was still denied. Such a joke doesn’t even cover it. Don’t bother. Ready to remove all funds for this insult and now injury to my credit score. Thanks for nothing BoA.
Waste of time. Hard pull on your credit report even when credit karma stated excellent chance of approval AND I looked this card up online to check the required score to get it. My score is well above that and my balances are around 10% of my overall credit limit combined, and still denied. Do yourself a favor and skip this card!
My credit score is excellent and the credit karma odds where outstanding, and was decline,and inquire to my credit for nothing
Extra bonus once you have $100,000 in combined assets with BOA. That's 3% turns into 3.75% but hltjere are different levels to achieve before you reach that 3.75% I use this card for everything and earn about $1500 / to $2000 cash back per year. With an 848 credit score I qualify for AMEX platinum but this card just pays better.
Categories are super broad (I like the eating out one) and you can increase the % cash back! My advice is open a Roth IRA with Merril and pair it with this card. I think the increased amounts were 3.75% then 4.5% then 5.25% cash back depending how much you put into your IRA, google about it Basically it’s really good
Not a fan of BofA when they canceled my automatic payment and it hit my credit report. Shortly after I heard they got fined millions for scamming customers
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