Bank of America Cash Rewards Credit Card

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Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card is a solid way to earn cash back on your grocery and wholesale club spending, and it even lets you earn bonus rewards on one other popular spending category of your choice. But there are limits that restrict the card’s value, especially if you’re not a Bank of America customer.

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pros and cons

Adaptable, competitive rewards rates

Solid bonus

Earnings caps

Not as simple (or potentially lucrative) as a flat-rate card


Annual Fee


Purchase APR

13.99% - 23.99% Variable

Foreign Transaction Fee


Cash Back


Credit Score


Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Rewards$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account openingEarn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchas
Online paymentsearch the official websiteLog in your accountmake a payment online
Details of prosAdaptable, competitive reward rates: You might see a higher top tier on other cash-back cards, but you may not be able to keep the category for longer than a quarter (if it’s a revolving bonus card) and chances are you won’t get a choice of categories. Plus, if you have a large ch
If you have good credit and your monthly spending patterns aren’t always that predictable, the Bank of America Cash Rewards Credit Card is a good way to tailor your rewards to your biggest budget items. In any given month, you’ll get to choose one of several popular bonus categories to earn 3% c
OnlineAlternatively, you can visit a Bank of America Financial Center or you can reach out to one of Bank of America's Advanced Client Solutions specialists at 855.307.3887.To apply, you must be at least 18 years old, have a valid U.S. Social Security Number, and have a U.S. physical address.
While the best way to maximize your earnings is to be in Bank of America’s Preferred Rewards program, we recognize the deposit requirements may be unrealistic for many. Luckily, earning the $200 cash bonus is quite a bit easier: just spend an average $334 a month during your first three months.&nb