Iragarkiak

The Bank of America Cash+™ Visa Signature® Card isn’t the easiest credit card, but it might be worth it for the right user. The card offers 5% cash back on prepaid airfare, hotel and car rental bookings booked directly through the Rewards Travel Center, and you earn 5 per quarter on the first $2,000 of total eligible purchases in two categories of your choice % cash back, 2% cash back on daily categories such as gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases. The card has the ability to offer solid cash back, especially when stacked with other credit cards, but it takes a bit of work to really maximize it, especially since the 5% cash back category option is unlikely to appeal to what most consumers will see big problem.

Other notable credit card benefits include an introductory 0% APR on purchases and balance transfers for 15 billing cycles, then a standard 14.24% APR – 24.24% variable APR applies. There is a 3% transfer fee (minimum $5) and funds must be transferred within 60 days of account opening. The card offers a $200 bonus bonus after spending $1,000 on eligible purchases within the first 120 days of account opening.

Lehen begiratuan

  • No annual fee
  • Welcome Bonus: $200 bonus bonus after spending $1,000 on eligible purchases within the first 120 days of account opening
  • 5% cash back on prepaid airline, hotel and car rental bookings booked directly through the Incentive Travel Center, and you earn 5% cash back on the first $2,000 of total eligible purchases in two categories of your choice each quarter Cash back, 2% cash back on one category per day, such as gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases
  • 0% introductory APR for balance transfers for the first 15 billing cycles.
  • 0% introductory APR for purchases within the first 15 billing cycles.

Konpentsazioa

Irabazi sariak

Bank of America Cash+™ Visa Signature® Card Earn 5% cash back on prepaid flight, hotel, and rental car reservations booked directly through the Rewards Travel Center, on your quarterly eligible purchases in two categories of your choice Get 5% cash back on the first $2,000, 2% cash back in everyday categories like gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases.

5% of category options include:

Iragarkiak
  • TV, Internet and Streaming Services
  • fast food
  • cellular provider
  • department store
  • household appliances
  • Choose a clothing store
  • electronic store
  • sporting goods store
  • Cinema
  • Gym/Fitness Center
  • Furniture shop
  • ground transportation

This card offers a welcome bonus: $200 in bonuses after you spend $1,000 on eligible purchases within the first 120 days of account opening.

Trukatu sariak

Our Cash at Bank + Cash Back can be redeemed for statement credit, rewards cards, or directly to the US. Banks with a minimum redemption of $25. Cash awards expire at the end of the calendar month, 36 months after the accounting period in which the award was earned.

Sari-potentziala

Exploring the Premium Potential in the U.S. To determine the Bank Cash+™ Visa Signature® Card, we had to consider the amount U.S. households are likely to spend on a credit card each year.

Iragarkiak

Analysts estimated the family had $26,410 in charges that could reasonably be charged to the credit card. Assuming annual spending of $4,284 in the 5% cash back category, cardholders will receive $214.20 in cash back per year. Assuming you spend an extra $5,687 on groceries and get 2% cash back, you’ll get an extra $113.74 in cash back. When the remaining $12,723 credit card fee is charged, you’ll get $127.23 in cash back, so that’s a total of $455.17 in cash back per year.

0% referral fee

The U.S. Bank Cash+™ Visa Signature® Card offers an introductory APR of 0% for purchases and funds transfers over 15 billing cycles, then a standard APR of 14.24% – 24.24% variable APR is applied. There is a 3% transfer fee (minimum $5) and funds must be transferred within 60 days of account opening. Balance transfers are subject to a balance transfer fee: 3% of each transfer amount or a minimum of $5, whichever is greater.

Iragarkiak

Txartelaren abantaila gehiago

  • No Liability for Fraud: Cardholders are not responsible for unauthorized charges.
  • Contactless Payment: When you see the contactless icon, tap to pay.
  • ID Navigator Identitate-lapurretaren babesa: Erregistratu Norton LifeLock-en doako zerbitzu honetara eta lortu kredituen jarraipena eta laguntza zure identitatea arriskuan badago.
  • Txartelaren titularraren erreferentzia zerbitzua: zure kontuari buruzko galderarik baduzu, Visako ordezkari batekin harremanetan jar zaitezke 24/7.
  • Txartela galdu edo lapurtutako laguntza: galdu edo lapurtutako txartela salatu dezakezu eguneko 24 orduetan, asteko 7 egunetan. Beharrezkoa bada, Visa-k zurekin eta zure txartela jaulki duen bankuarekin lan egingo du galdutako kontua eteteko, txartel berri bat berriro jaulkitzeko eta/edo larrialdiko amortizazioa antolatzeko.
  • Visa Signature Benefits: As a Visa Signature Card, you’ll receive benefits including discounts at participating partners and special status at hotels that are part of the Visa Signature Collection.

Ederki inprimatuta

Interesen gastua

  • Regular APR: 14.24% – 24.24% (variable)
  • Introductory APR: 0% introductory APR for purchases within the first 15 billing cycles.
  • Introductory APR for Balance Transfers: The introductory APR for balance transfers for the first 15 billing cycles is 0%.

Kostua

  • Urteko kuota: $0
  • Transfer fee: 3% of each transfer amount or at least $5, whichever is greater.
  • Foreign purchase transaction fee: 2% of each foreign purchase transaction or foreign ATM prepaid USD. 3% per foreign purchase transaction or foreign currency prepaid at foreign ATMs.

IKUSI ERE!

Txartelak nola pilatzen diren

Our Cash at Bank+™ Visa Signature® Card and Citi® Double Cash Card

If you’re looking for an easy cash-back credit card, you should check out a card like Citi Dual Cash. The card earns 2% cash back on all purchases – 1% on purchases and another 1% on redemption. Depending on the exact spending patterns, it’s possible that someone could stand out with a Cash+ card, but it’s unlikely and requires some work.

Double Cash offers an introductory APR for deposit transfers. Get 0% introductory APR on balance transfers over 18 months. After that, the standard variable APR based on credit rating is 14.24% – 24.24%. There is also an initial balance transfer fee of $5 or 3% of any transferred amount within the first 4 months of account opening, whichever is greater. After that, the fee is 5% of each transfer (minimum $5).

Our Cash at Bank+™ Visa Signature® Card with Chase Freedom Flex℠

Those looking for a card with more earning potential than a flat-rate rewards card might want to consider the Chase Freedom Flex Card. Freedom Flex offers 5% cash back, categories up to $1,500 rotate quarterly after you sign up, 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back at restaurants and pharmacies, and all other purchases 1% cash back.

You also get an introductory APR of 0% on purchases and fund transfers for 15 months after account opening, after which a variable APR of 14.99 – 23.74% applies. The introductory balance transfer fee is $5 or 3% of each transfer amount, whichever is greater within the previous 60 days, then $5 or 5% of each transfer amount, whichever is greater. It also comes with a welcome offer: a $200 bonus after spending $500 within the first 3 months of account opening.

Our Bank Cash+™ Visa Signature® Card vs. Our Bank Visa® Platinum Card

Those looking to maximize the 0% APR balance transfer offer should consider the US. Consider using a bank Visa Platinum card. It offers no incentives, but offers an industry-leading introductory APR: 0% introductory APR for purchases and balance transfers for 20 billing cycles, followed by a variable APR of 14.74% – 24.74%. There is a transfer fee of 3% or $5, whichever is higher.

Zuretzako egokia al da txartel hau?

The Bank of America Cash+™ Visa Signature® Card may not be the best major or only card in someone’s wallet. While it can be a great add-on card, maximizing rewards isn’t easy and requires choosing the appropriate category and monitoring spend. Most people will find the other card easier to maximize.

IKUSI ERE!

Iragarkiak