U.S. Pride BankAmericard Cash Rewards Visa Card review | finder.com

U.S. Pride® BankAmericard Cash Rewards™ Visa® Card review – December 2018

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U.S. Pride® BankAmericard Cash Rewards™ Visa® Card

A cashback credit card with accelerated earnings at gas stations, grocery stores and wholesale clubs.

30-seconds take

  • Get this card if you mostly spend on gas and groceries.
  • Pick something else if you want higher cash back.
  • Apply with a good to excellent credit score of 680 or higher.
Product NameU.S. Pride® BankAmericard Cash Rewards™ Visa® Card
Card TypeVisa
APR (Annual Percentage Rate) for Purchases15.24% to 25.24% variable
Introductory Purchase APR0% for the first first 12 statement closing dates (then 15.24% to 25.24% variable)
Introductory Balance Transfer APR for the first 12 statement closing dates (then 15.24% to 25.24% variable)
Balance Transfer Fee$10 or 3% of the transaction, whichever is greater
Cash Advance Rate18.24% to 27.24% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $27
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome OfferEarn 200 cash back after spending $500 in the first 90 days
Reward Value per Dollar1% cash back
Rewards Points ExpiryNever

The basics

This is a simple credit card that lets you earn high cash back on gas, groceries and at wholesale clubs without paying an annual fee. With a Preferred Rewards membership, you can earn up to 75% more cash back, and if you redeem your rewards into your Bank of America checking or savings account, you’ll earn 10% on top of the regular cashback rate.

In addition, if you plan on making a large purchase or if you’re stuck paying high APR on another card, use the long intro APR period on purchases and balance transfers and save money on interest payments.

The perks

  • Cash back.

    Get 3% back on gas 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 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.

How much cash back rewards can I earn with the U.S. Pride® BankAmericard Cash Rewards™ Visa®?

Where you spend:The amount you spend:Cash back earned:
Gas stations$2,000$60
Grocery stores$3,000$60
Wholesale clubs$1,500$30
Everything else$7,000$70
Total$13,500$220

Suppose your annual spending is similar to our example and you don’t reach $2,500 in combined spending for the first three categories during any one quarter, you would earn $220 per year. If you clear the signup bonus, your total rewards for the first year would be $420. And if you constantly redeem your rewards to your Bank of America checking or savings account, you would earn $242.

As a Preferred Rewards client, your $220 cash back can turn between $275 and $385.

You’ll also like …

  • Intro APR period.

    Pay no interest on purchases and balance transfers for the first 12 months from your account opening. After that, your APR will be 15.24% to 25.24% 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.

What to watch out for

  • Foreign transaction fee.

    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 gas, 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 $38 and you’ll incur a penalty APR of up to 29.99% variable — which can apply to your account indefinitely.

Visa Signature® or Platinum Plus® card?

If your approved credit line is lower than $5,000 — you’ll get a Platinum Plus® card.

If you get a credit line equal to or higher than $5,000 — you’ll get a Visa Signature® card.

The difference between the two accounts are the card benefits, such as coverage amounts. Some benefits may not be available to Platinum Plus® accounts.

Consider other cards if …

  • You want a similar card from another bank.

    The Blue Cash Everyday® Card from American Express can be a decent alternative if you spend more on groceries than gas. That way, you’ll earn 3% back at US supermarkets on up to $6,000 per year and 1% back after that. You’ll also earn 2% back on gas from US stations and for purchases at select US department stores, and 1% back on everything else you buy.

  • You want to earn more cash back on groceries.

    Consider the Blue Cash Preferred® Card from American Express where you’ll get an incredibly high 6% back at US supermarkets on up to $6,000 annually, after reaching the cap it’s 1% cash back. Also benefit from 3% back at US gas stations and select US department stores and 1% back on everything else you buy. The only downside — it costs $95 annually.

  • You want to donate to a charity.

    With the World Wildlife Fund Credit Card from Bank of America, you’ll earn the same cashback rates and you’ll get the same benefits as with the U.S. Pride card, except every card anniversary the World Wildlife Fund will receive $3 plus 0.08% of all of your purchases made with the card.

  • You want to earn unlimited cash back.

    You’ll get the highest 2% cashback rate on everything you buy with the Citi® Double Cash Card or the PayPal Cashback Mastercard.

Compare Bank of America® Cash Rewards credit card vs. Chase Freedom®

Updated December 10th, 2018
Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% Intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0 to $99
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchase, terms apply.
$0
15.49% to 25.49% variable
0% for the first 18 months (then 15.49% to 25.49% variable)
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

Compare up to 4 providers

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.

What do customers say about the U.S. Pride® BankAmericard Cash Rewards™ Visa®?

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 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.

How to apply for the U.S. Pride® BankAmericard Cash Rewards™ Visa®

  1. Find the U.S. Pride® BankAmericard Cash Rewards™ Visa® Card 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.

How long will it take to get my U.S. Pride® BankAmericard Cash Rewards™ Visa®?

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 7 to 10 business days.

How do I redeem rewards from U.S. Pride® BankAmericard Cash Rewards™ Visa®?

When you reach $25 or more, log in to your online account and redeem your cash rewards for a:

  • Statement credit.
  • Check.
  • Deposit into a Bank of America checking or savings account.
  • Deposit into an eligible cash management account with Merrill Lynch Wealth Management or Merrill Edge.

How do I get bonus cash back?

Redeem your cash back into a Bank of America checking or savings account or an eligible cash management account and get 10% bonus at the time of redemption. This makes $100 into $110.

You can also get between 25% and 75% more cash back by being a Preferred Rewards client. To enroll in this program, you need to have:

  • Bank of America personal checking account.
  • A three-month average combined balances of $20,000 or more in your Bank of America accounts or Merrill Edge and Merrill Lynch investment accounts.

I got the card. Now what?

  • Download Bank of America Mobile Banking app. Use the 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 1-800-732-9194 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

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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