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$200
Welcome offer
Up to 3%
Cash back
0%
Intro purchase APR
for the first 15 statement closing dates (then 13.99% to 23.99% variable)
0%
Intro balance transfer
for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Product Name | U.S. PrideĀ® Credit Card |
---|---|
Card type | Visa |
Annual fee | See terms |
Purchase APR | 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable) |
Balance transfer APR | 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable) |
Balance transfer fee | $10 or 3% of the transaction, whichever is greater |
Cash advance rate | 16.99% to 26.99% variable |
Cash advance fee | $10 or 5% of the cash advance amount, whichever is greater |
Penalty APR | 29.99% variable |
Foreign transaction fee | 3% of the transaction value |
Interest free period | Up to 25 days |
Late payment fee | Up to $40 |
Returned payment fee | Up to $29 |
Additional cardholder fee | $0 |
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
This is a simple credit card that lets you earn high cash back on a category of your choice, 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.
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.
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.
When you reach $25 or more, log in to your online account and redeem your cash rewards for a:
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:
Where you spend: | The amount you spend: | Cash back earned: |
---|---|---|
A chosen category | $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 donāt 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.
If your approved credit line is lower than $5,000 ā youāll get a Platinum PlusĀ® card.
If you get a credit line equal to or higher than $5,000 ā youāll get a Visa SignatureĀ® card.
The difference between the two accounts are the card benefits, such as coverage amounts. Some benefits may not be available to Platinum PlusĀ® accounts.
To apply for the card you must be a US citizen and at least 18 years old.
When filling out the application form, youāll need to provide:
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.
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, youāll likely be able to contact the bank for assistance.
This can be a solid card for you if you spend up to $900 every month on gas, groceries and at wholesale clubs. Furthermore, youāll get a long intro APR period on purchases and balance transfers and youāll get a generous, easy-to-earn signup bonus. If youāre a Preferred Rewards member, youāll earn even more cash back.
You can also check out other cashback cards and compare your options until you find the right card.