U.S. Pride® Credit Card review

How to apply for the U.S. Pride® Credit Card

1. Find the U.S. Pride® Credit Card on the Bank of America website. Click Apply now.
2. Provide the necessary personal and financial information.
3. Confirm that your information is correct and submit your application.

• See screenshots of the application form

  

  

  

How long will it take to get my U.S. Pride® Credit Card?

Bank of America can make a decision on your application within a minute. If additional information is required it could take up to a few weeks.

Once approved, expect your card to arrive within seven to 10 business days.

The perks

• Cash back. Get 3% back on a category you choose and 2% back at grocery stores and wholesale clubs up to $2,500 in combined purchases per quarter. After reaching the cap, you earn 1% back on these categories — which is also the rate you earn on all other purchases.
• 10% redemption bonus. Redeem your cash back into an eligible Bank of America banking or Merrill Edge or Merrill Lynch Wealth Management account to get a 10% bonus on your reward. For instance, redeem $150 as cash back rewards into an eligible account and see a bumped-up $165 deposited.
• Signup bonus. Get a $200 online cash rewards bonus after you spend $500 on purchases in the first 90 days of card membership. Compared to similar cards, which generally offer between $100 and $150, this is a generous signup bonus.
• No annual fee. Enjoy all the benefits this card offers without paying an annual fee.

You’ll also like …

• Intro APR period. Pay no interest on purchases and balance transfers for the first 15 statement closing dates from your account opening. After that, your APR will be 13.99% to 23.99% variable.
• Digital wallet. Add your card to your Apple Pay, Samsung Pay or Google Pay and simplify your payment process.
• Security and protection. This chip-enabled card comes with a $0 liability guarantee that protects you against fraudulent transactions.
• Tiered rewards. As a Bank of America Preferred Rewards customer, you can increase your cashback reward to 25% and even 75%, depending on your tier. You’ll also get free ATM transactions, money market savings, priority service and no fees on select banking products.

Compare cashback cards

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees	Compare	loading Fetching your data...
Chase Freedom Unlimited®			5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Compare	loading Fetching your data...

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What to watch out for

• Foreign transaction fees. Every time you use this card outside the US, you’ll pay a fee equal to 3% of the transaction.
• Quarterly cap on cashback rewards. Your cashback rate on your chosen category, groceries and at wholesale clubs is capped to $2,500 in combined spending per quarter. If you spend more than $2,500 per quarter combined, you’ll earn 1%.
• Balance transfer limitations. To use the intro APR period on balance transfers, you must complete your transfers within 60 days of your account opening.
• Penalty APR. If you make a single late payment, you’ll pay a fee of up to $40 and you’ll incur a penalty APR of up to 29.99% variable — which applies to your account indefinitely.

What should I know before I apply?

To apply for the card you must be a US citizen and at least 18 years old.

When filling out the application form, you’ll need to provide:

• Your full name and residential address.
• Phone number and email address.
• Employment status and annual income.
• Monthly housing payments and liquid assets.

What credit score do I need?

Your application stands a better chance of approval if your credit score is 670 or higher. A higher credit limit and lower APR are more likely if you apply with a score on the upper end of the scale.

U.S. Pride® Credit Card reviews and complaints

Customers are happy with the cashback rates, and especially love the added 10% bonus when redeemed into a Bank of America savings or checking account.

The Better Business Bureau (BBB) rates Bank of America with an A+ and they have accredited the bank since 1949. As of this writing there are just under 6,000 complaints on the BBB website, but none have gone unanswered or unresolved. Even if you run into an issue with your card, you’ll likely be able to contact the bank for assistance.

I got the card. Now what?

• Download Bank of America Mobile Banking app. Use the Bank of America app to make payments or to send money with Zelle. You can also find special deals or contact support through the app and more.
• Enroll in the optional Preferred Rewards program. If you want to earn more cash back with the card, consider enrolling in the program by opening a personal checking account with Bank of America and having an average balance of $20,000 in a Bank of America banking account or Merrill Edge and Merrill Lynch investment accounts.
• Enroll in Apple Pay, Samsung Pay or Google Pay. And use your phone to make credit card payments.
• Avoid interest and fees. Make sure you pay your balance on time to avoid late payment fees and a penalty APR of up to 29.99% variable.
• Customer service. If you need any account-related information, call 800-732-9194 or reach Bank of America customer support through your mobile app.

Bottom line

This can be a solid card for you if you spend up to $900 every month on gas, groceries and at wholesale clubs. Furthermore, you’ll get a long intro APR period on purchases and balance transfers and you’ll get a generous, easy-to-earn signup bonus. If you’re a Preferred Rewards member, you’ll earn even more cash back.

You can also check out other cashback cards and compare your options until you find the right card.

Frequently asked questions

• Does the card contribute a portion of my spending to charity?

  No. Despite the card’s name and design, it’s just a regular card with patriotic imagery.

• When do my cash back rewards expire?

  Your cashback rewards don’t expire as long as your account remains in good standing.

• When does the bank impose the penalty APR?

  The penalty APR might kick in if you make a late payment, and it can stick around indefinitely. Bank of America could decide to revert your APR with responsible payments, but that’s not a guarantee.

• What is the difference between this card and the Bank of America® Cash Rewards Credit Card?

  Both cards offer the same cashback rates on the same categories. The main difference is that the U.S. Pride card is a Visa and the other is a Mastercard.