How to Apply to Bank of America® Cash Rewards Credit Card

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With its many cash rewards (1% cash back on every purchase, 2% at grocery stores, and 3% on gas purchases) and a $100 online cash for the first $500 spent on any purchases this credit card is a perfect option for its holders. If you want to apply for such a deal, here we will guide you through the necessary steps for completing your application.

If you are interested in applying for a BankAmericard Cash Rewards Credit Card, here are the requirements/conditions of eligibility which you should meet in order to be allowed to apply:

You should have a valid ID document
You must be a legal/permanent U. S. resident and have a valid U.S. Social Security Number or a Tax ID number
You should provide your valid mailing address, your valid phone number, and your e-mail address
You should provide details about your housing status (owner/renting/other) as well your employment status (employed/retired/unemployed).

Applying for the BankAmericard Cash Rewards Credit Card is simple. The application can be completed online and, after you submit your inquiry you’ll have a fast response (within 60 seconds) regarding the results of your application. Here are the steps you need to follow:

Step 1: From the card’s main page click on the ‘Apply Now’ button. This will open an application window.

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Step 2: Provide all the required personal information including your: full name, valid mailing address, and valid phone number.

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Step 3: Introduce your financial information under the Employment & Finances section, including your annual income, source of income and your monthly housing payment.

In case you would like to transfer your balance to your new card select the ‘Transfer a balance to my new credit card’ under the Additional options section.

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Step 4: Read carefully the Terms & Conditions and check the box under this section to submit your application (In doing so you agree to the conditions introduced in the Terms & Conditions section for this credit card).

Finally, click on the ‘Review your Information’ button and you will be able to submit your application for your new BankAmericard Cash Rewards Credit Card.

Q: What is Text Banking?

Bank of America offers its clients charge free service where they can get the account information quickly by a text message. You just need to send a text message and within a few seconds you will get a reply. Even though Bank of America does not charge any fee for this service, your mobile service provider may charge you for sending and receiving text messages on your mobile phone which you can check with your service provider.

Q: What does the Bank of America Preferred Rewards program stand for?

The Bank of America Preferred Rewards program offers real benefits which make your investment balances grow. There are 3 tiers in the Preferred Rewards program which are Gold, Platinum and Platinum Honors. The higher qualifying balances, the greater the benefits. The system is organized to automatically move you up a level once your balances qualify you for the next rewards tier. You do not need to pay any fees to participate in Preferred Rewards, all you need is an eligible Bank of America personal checking account and 3-month average combined balances of $20,000 or more.

Q: How high credit score is needed for BankAmericard Cash Rewards credit card ?

The credit score for BankAmericard Cash Rewards credit card should be excellent, above 720. In order to be eligible for approval, it is not only your credit score that is taken into consideration, but also your overall financial picture, meaning your income and debt obligations. However, credit score that is 680 or higher increases the chances of your application’s approval.