[ Bank of America Cash Rewards ] The Must-Have Card for Credit Card Rookies

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  • Credit Card Type: Cash-back rewards card
  • Current Offer: $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • Special Offer: None
  • Bonus Category: Earn 1% cash-back per dollar for every purchase, 2% cash-back per dollar for grocery stores and wholesale clubs, and 3% cash-back per dollar for gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • Annual Fee: $0


1. This is the card for people who have recently received SSN to build credit history.

2. Can be used for gas spending since it has 3% cash-back.

3. Up to 75% additional cash-back if you are the Bank of America Preferred client.


This card should be the easiest one to apply as long as you have a business with Bank of America. Therefore, for someone who just start to apply for the first credit card, this card should be one of the first few choices to be considered. It has the 1% ~ 3% cash-back rewards (depending on spending category). You can also have a chance to earn up to 10% ~ 75% cash-back rewards when being a Bank of America Preferred client. This is the card you can keep for long term to build your credit history and increase your credit score since it has no annual fee.

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