Bank of america credit cards - Revision history

Editor: /* Personal Cards */

2021-07-20T17:55:14Z

‎Personal Cards

Editor: /* Bank of America Rules and Tips */

2021-02-23T05:59:07Z

‎Bank of America Rules and Tips

Editor: /* Other Bank of America Cards */

2021-02-23T05:51:53Z

‎Other Bank of America Cards

Editor: /* Other Bank of America Cards */

2021-02-23T05:47:21Z

‎Other Bank of America Cards

Editor at 05:29, 23 February 2021

2021-02-23T05:29:39Z

Editor: Editor moved page Bank of America Credit Cards to Bank of america credit cards without leaving a redirect

2021-02-19T00:13:18Z

Editor moved page Bank of America Credit Cards to Bank of america credit cards without leaving a redirect

Editor: /* Personal Cards */

2021-02-15T23:15:46Z

‎Personal Cards

Editor: /* Bank of America Business Cards */

2020-09-30T21:28:16Z

‎Bank of America Business Cards

Editor at 06:19, 8 August 2019

2019-08-08T06:19:06Z

Editor at 18:11, 19 March 2019

2019-03-19T18:11:49Z

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 === Personal Cards ===
-{{#invoke:CardGrid|output|boapremium|boatravel|boacash|airfrance|alaska|amtrak|allegiant|sonesta|spirit|virgin}}
+{{#invoke:CardGrid|output|boapremium|boaunlimited|boatravel|boacash|airfrance|alaska|amtrak|allegiant|sonesta|spirit|virgin}}
 === Bank of America Business Cards ===

@@ Line 46: / Line 46: @@
 <ul class="bulletlist">
-<li>'''You can only be approved for four personal cards every two years, and only three of those cards in any 12 month period, and two cards in any two month period'''. This controls the total number of Bank of America cards, so choose wisely. But, it doesn't affect business cards. Unlike the Chase 5/24 rule, this only accounts for the cards you get from Bank of America, not from other banks.</li>
+<li>'''Bank of America has a rule that is similar to the Chase 5/24 rule'''. If you've gotten 3 new personal cards (from any bank) in the past 12 months, you can't get approved for a new BOA credit card—essentially a 3/12 rule. If you have a BOA banking account, the limit rises to 7/12.</li>
-<li>'''There are additional limitations for certain cards'''. You aren't eligible to get the Premium Rewards card or the personal version of the Alaska Airlines card, if you've had the card in the previous 24 months. You aren't eligible to get the Travel Rewards or Cash Rewards card, if you've already have the card, unless you've had it for at least 24 months (there is no need to cancel the earlier the card first). For all their other cards, there are no additional restrictions, and you can even have multiple copies of the same card.</li>
+<li>'''In addition, you can only be approved for four Bank of America personal cards every two years (and only three of those cards in any 12 month period and two cards in any two month period)'''. This controls your total number of Bank of America applications, so choose wisely. This rule only counts your Bank of America cards..</li>
 <li>'''If you are initially declined, there is a good chance that you can still get the card if you call their reconsideration line'''. You just may need to make a few changes to your accounts.</li>
-<li>'''You can usually get your annual fee waived, if you call right after it posts'''. You may even be able to get an additional retention offer sometime over the course of the year as well. It is also possible to downgrade your card. </li>
+<li>'''You can usually get your annual fee waived if you call right after it posts'''. You may even be able to get an additional retention offer sometime over the course of the year as well. It is also possible to downgrade your card. </li>
 <li>'''Bank of America doesn't usually offer referral bonuses'''.</li>
@@ Line 59: / Line 63: @@
 <li>'''(Advanced) Lower your credit limit on your Bank of America cards before you cancel them'''. According to [//www.doctorofcredit.com/tip-reduce-credit-limits-on-bank-of-america-cards-before-cancelling/ Doctor of Credit], there is a glitch in Bank of America's system where a cancelled credit card will still count against your overall credit limit for another year. If you lower your credit limit before you cancel, you will have more credit capacity at BOA to get a new card.</li>
 </ul>

@@ Line 19: / Line 19: @@
 <ul class="checklist">
-<li>'''BankAmericard card'''. No rewards, no benefits, no signup bonus, no annual fee. Low interest and penalty rates, for people who are paying off their credit. Student version available. [//www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/ Official Webpage]</li>
+<li>'''BankAmericard card'''. No rewards, no benefits, no signup bonus, no annual fee. Low interest and penalty rates for people who are paying off their credit. Student version available. [//www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/ Official Webpage]</li>
-<li>'''Norwegian Cruise Line card'''. 3x points on Norwegian purchases,
+<li>'''Norwegian Cruise Line card'''. 3x points on Norwegian purchases, points are worth 1 cent each when spent at Norwegian. Eligible for the preferred rewards program, so you can earn up to 5.25% on Norwegian purchases. 10,000 point signup bonus, valued at $100. No annual fee. [//www.bankofamerica.com/credit-cards/products/norwegian-cruise-lines-credit-card/ Official Webpage]</li>
-<li>'''Royal Caribbean card'''. 2x points on Royal Caribbean (and sister cruise line) purchases. 10,000 point (plus a $50 Air2Sea discount coupon) signup offer. Points are worth 1 cent each when used for on-board purchases. No annual fee. [ Official Webpage]</li>
+<li>'''Royal Caribbean card'''. 2x points on Royal Caribbean (and sister cruise line) purchases. 10,000 point (plus a $50 Air2Sea discount coupon) signup offer. Points are worth 1 cent each when used for on-board purchases. No annual fee. [//www.bankofamerica.com/credit-cards/products/royal-caribbean-credit-card/ Official Webpage]</li>
 <li>'''Celebrity Cruise card'''. 2x points on Celebrity Cruise (and sister cruise line) purchases. 10,000 point (and $50 airfare discount) signup bonus. Points are worth 1 cent each when used for on-board purchases. No annual fee. [//www.bankofamerica.com/credit-cards/products/celebrity-cruises-credit-card/ Official Webpage]</li>
-<li>'''Cash Rewards card'''. Earns 3% on gas, 2% on groceries and wholesale club purchases, and 1% everywhere else. $150 signup bonus ($500 initial spend), and no annual fee. With the full Preferred Reward bonus, that's 5.25% on gas, 3.5% on groceries and wholesale clubs, and 1.75% everywhere else. Bonus rewards are capped at $2,500 per quarter in spending. There are better cards for grocery spending. But, this can be a good option for someone who wants an additional card just to earn bonus rewards on gas and wholesale clubs. It comes in many different flavors, all with the similar benefits.
+<li>'''Cash Rewards Variants'''. The Cash Rewards Card comes in several alternate flavors, all with essentially identical benefits.
 <ul>
@@ Line 40: / Line 36: @@
 <li>''Student card''. Identical to the regular version, but approval process is targeted at students.
   [//www.bankofamerica.com/credit-cards/products/student-cash-back-credit-card/ Official Webpage]</li>
 <li>''U.S. Pride card''. Patriotic card image. [//www.bankofamerica.com/credit-cards/products/us-pride-military-credit-card/ Official Webpage]</li>
 </ul>
 <li>'''Platinum Business card'''. $200 signup bonus. No annual fee. But, no other benefits or bonus reward rates. [//www.bankofamerica.com/smallbusiness/credit-cards/products/platinum-visa-business-credit-card/?campaign=2125895~G9~en_US Official Webpage].</li>
 </ul>

@@ Line 19: / Line 19: @@
 <ul class="checklist">
-<li>'''BankAmericard card'''. No rewards, no benefits, no signup bonus, no annual fee. Low interest and penalty rates, for people who are paying off their credit. Student version available. [https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/ Official Webpage]</li>
+<li>'''BankAmericard card'''. No rewards, no benefits, no signup bonus, no annual fee. Low interest and penalty rates, for people who are paying off their credit. Student version available. [//www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/ Official Webpage]</li>
 <li>'''Norwegian Cruise Line card'''. 3x points on Norwegian purchases,
   points are worth 1 cent each when spent at Norwegian. Eligible for the preferred rewards program,
   so you can earn up to 5.25% on these purchases. 10,000 point signup bonus.,
-  valued at $100. No annual fee. [https://www.bankofamerica.com/credit-cards/products/norwegian-cruise-lines-credit-card/ Official Webpage]</li>
+  valued at $100. No annual fee. [//www.bankofamerica.com/credit-cards/products/norwegian-cruise-lines-credit-card/ Official Webpage]</li>
 <li>'''Royal Caribbean card'''. 2x points on Royal Caribbean (and sister cruise line) purchases. 10,000 point (plus a $50 Air2Sea discount coupon) signup offer. Points are worth 1 cent each when used for on-board purchases. No annual fee. [ Official Webpage]</li>
-<li>'''Celebrity Cruise card'''. 2x points on Celebrity Cruise (and sister cruise line) purchases. 10,000 point (and $50 airfare discount) signup bonus. Points are worth 1 cent each when used for on-board purchases. No annual fee. [https://www.bankofamerica.com/credit-cards/products/celebrity-cruises-credit-card/ Official Webpage]</li>
+<li>'''Celebrity Cruise card'''. 2x points on Celebrity Cruise (and sister cruise line) purchases. 10,000 point (and $50 airfare discount) signup bonus. Points are worth 1 cent each when used for on-board purchases. No annual fee. [//www.bankofamerica.com/credit-cards/products/celebrity-cruises-credit-card/ Official Webpage]</li>
 <li>'''Cash Rewards card'''. Earns 3% on gas, 2% on groceries and wholesale club purchases, and 1% everywhere else. $150 signup bonus ($500 initial spend), and no annual fee. With the full Preferred Reward bonus, that's 5.25% on gas, 3.5% on groceries and wholesale clubs, and 1.75% everywhere else. Bonus rewards are capped at $2,500 per quarter in spending. There are better cards for grocery spending. But, this can be a good option for someone who wants an additional card just to earn bonus rewards on gas and wholesale clubs. It comes in many different flavors, all with the similar benefits.
-  [https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/ Official Webpage]</li>
+  [//www.bankofamerica.com/credit-cards/products/cash-back-credit-card/ Official Webpage]</li>
 <ul>
-<li>''Pink Ribbon card''. Bank of America will donate some money to the Susan Komen Breast Cancer foundation. [https://www.bankofamerica.com/credit-cards/products/susan-komen-credit-card/ Official Webpage]</li>
+<li>''Pink Ribbon card''. Bank of America will donate some money to the Susan Komen Breast Cancer foundation. [//www.bankofamerica.com/credit-cards/products/susan-komen-credit-card/ Official Webpage]</li>
-<li>''MLB card''. There are cards for each of the teams. [https://www.bankofamerica.com/credit-cards/products/mlb-credit-cards/ Official Webpage]</li>
+<li>''MLB card''. There are cards for each of the teams. [//www.bankofamerica.com/credit-cards/products/mlb-credit-cards/ Official Webpage]</li>
 <li>''Student card''. Identical to the regular version, but approval process is targeted at students.
-  [https://www.bankofamerica.com/credit-cards/products/student-cash-back-credit-card/ Official Webpage]</li>
+  [//www.bankofamerica.com/credit-cards/products/student-cash-back-credit-card/ Official Webpage]</li>
 <li>''World Wildlife card''. Bank of America will donate some money to the World Wildlife Fund.
-  [https://www.bankofamerica.com/credit-cards/products/world-wildlife-fund-credit-card/ Official Webpage]</li>
+  [//www.bankofamerica.com/credit-cards/products/world-wildlife-fund-credit-card/ Official Webpage]</li>
-<li>''U.S. Pride card''. Patriotic card image. [https://www.bankofamerica.com/credit-cards/products/us-pride-military-credit-card/ Official Webpage]</li>
+<li>''U.S. Pride card''. Patriotic card image. [//www.bankofamerica.com/credit-cards/products/us-pride-military-credit-card/ Official Webpage]</li>
 </ul>
-<li>'''Business Advantage Cash card'''. 3% cash-back on office supply stores and gas. 2% on Restaurants. Unfortunately, not eligible for the personal version of the Preferred Reward program, so only interesting for businesses with enough assets to qualify, on their own, for enhanced rewards. $200 signup bonus. No annual fee. [https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/?campaign=2126077~E6~en_US Official Webpage]</li>
+<li>'''Business Advantage Cash card'''. 3% cash-back on office supply stores and gas. 2% on Restaurants. Unfortunately, not eligible for the personal version of the Preferred Reward program, so only interesting for businesses with enough assets to qualify, on their own, for enhanced rewards. $200 signup bonus. No annual fee. [//www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/?campaign=2126077~E6~en_US Official Webpage]</li>
-<li>'''Platinum Business card'''. $200 signup bonus. No annual fee. But, no other benefits or bonus reward rates. [https://www.bankofamerica.com/smallbusiness/credit-cards/products/platinum-visa-business-credit-card/?campaign=2125895~G9~en_US Official Webpage].</li>
+<li>'''Platinum Business card'''. $200 signup bonus. No annual fee. But, no other benefits or bonus reward rates. [//www.bankofamerica.com/smallbusiness/credit-cards/products/platinum-visa-business-credit-card/?campaign=2125895~G9~en_US Official Webpage].</li>
 </ul>

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← Older revision	Revision as of 00:13, 19 February 2021
(No difference)

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 === Bank of America Business Cards ===
-{{#invoke:CardGrid|output|boatravelbiz|alaskabiz|asianabiz|spiritbiz}}
+{{#invoke:CardGrid|output|boatravelbiz|alaskabiz|boacashbiz}}
 <noinclude>

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 === Personal Cards ===
-{{#invoke:CardGrid|output|boapremium|boatravel|boacash|airfrance|alaska|amtrak|allegiant|asiana|spirit|virgin}}
+{{#invoke:CardGrid|output|boapremium|boatravel|boacash|airfrance|alaska|amtrak|allegiant|asiana|sonesta|spirit|virgin}}
 === Bank of America Business Cards ===

← Older revision		Revision as of 18:11, 19 March 2019
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	<li>'''Advanced details'''. They will typically match a higher signup bonus that becomes available after you sign up for the card. If you ask, they will sometimes send the cards with priority shipping. Typically, if you are declined for a credit card, they will only make a soft inquiry.</li>		<li>'''Advanced details'''. They will typically match a higher signup bonus that becomes available after you sign up for the card. If you ask, they will sometimes send the cards with priority shipping. Typically, if you are declined for a credit card, they will only make a soft inquiry.</li>
		+
		+	<li>'''(Advanced) Lower your credit limit on your Bank of America cards before you cancel them'''. According to [//www.doctorofcredit.com/tip-reduce-credit-limits-on-bank-of-america-cards-before-cancelling/ Doctor of Credit], there is a glitch in Bank of America's system where a cancelled credit card will still count against your overall credit limit for another year. If you lower your credit limit before you cancel, you will have more credit capacity at BOA to get a new card.</li>

	</ul>		</ul>