Posted by William Charles on January 18, 2016
Credit Cards

Published on January 18th, 2016 | by William Charles

101

Bank of America Cash Rewards Co-Branded Cards Sign Up Bonus Increased To $175 After $500 In Spend

Update: There is now a $200 offer on this card.

Orginally posted on 1/2/16, reposting on 1/181/16 as new links became available for two versions of this card. 

  • Here are links to the American Bar Association version (Link, Link, Link)
  • Here are links to the AICPA version (Link, Link)

The Offer

  • Receive a sign up bonus of $175 when you spend at least $500 within the first 90 days of account opening on the Bank of America Cash Rewards Co-Branded Cards

bofa cash rewards

Card Details

  • No annual fee
  • Card earns at the following rate:
    • 1% cash back on purchases
    • 2% at grocery stores*
    • 3% on gas*
  • 10% customer bonus when you redeem into a Bank of America checking account

*for the first $1,500 in combined grocery store and gas purchases each quarter

Picking A Partner

Update: ABA card is no longer working, but we found a working link for the AICPA card.

I’ve only been able to find the direct link to the American Bar Association card, but I suspect it’ll be available for other co-branded partners. If anybody can find those links, let me know and I’ll add them. We know how vaguely much these co-branded partners make from this relationship due to the fact that Komen publicly posts this information:

For each new Pink Ribbon BankAmericard Cash Rewards MasterCard® credit card benefiting Komen that is activated within 90 days of opening, Komen receives $3 and 0.08% of all retail purchases (less returns) made with the card. Komen also receives $3 for each renewal of a card that was in good standing during the 12 month period and does not have a zero balance at the time of the renewal.

[Read: Everything You Ever Wanted To Know About Credit Card Partners (How Much They Make & More)]

Our Verdict

These cards are well worth considering, $175 is one of the better cash sign up bonuses that is currently available. In addition to this Bank of America also combines hard pulls when you apply for multiple cards at the same time and you can also product change this card into a Better Balance Rewards card (yes, this is very much still possible) for an easy extra $120 per year.

They offered the same $175 bonus on December 23rd, 2014 (and we were first alerted of this bonus coming back on December 23rd of 2015, we’ve just been slow to post) and that deal lasted until around March 10th of the following year – so you should have some time before you need to apply for this card. We’ll repost this deal when we find the other links to different organizations, as I imagine most people won’t be interested in supporting the American Bar Association.

There is no need to be a member of any of these organizations to get approved for any of these cards either. The standard bonus on these cards is $100 after $500 in spend.

 

Hat tip to @grant_fia via Twitter



101
Leave a Reply

avatar
 

  Subscribe  
newest oldest most voted
Notify of
boridi
boridi

Picked up three of these a year ago. Wonder if they’ll approve me for a few more …?

Jay
Jay

I currently have the boa bank americard cash rewards card, just to confirm, this isn’t the same product so I can apply and get the bonus, correct? Also gonna look into converting that card to BBR!

Brandon
Brandon

I’d also like to know about this. Are the co-branded cards actually considered different cards entirely? Can you hold more than one?

If so, then would it be possible to apply for the ABA Cash Rewards ($175 sign-up) AND another co-branded variation (another $175 bonus) simultaneously? I’d like to combine the BofA hard pulls if possible.

Thanks!
-Brandon

BeyondtheWrap
BeyondtheWrap

BoA lets you hold as many of each card as you want.

Joe
Joe

So can I apply for 2 of the ABA and 2 of AICPA card all in the same day to try to get approved for 4 cards at once and therefore $700 in bonus ($175*4)?

Is that possible, and if so, is it likely or would applying for that many simultaneously likely be a red flag to BoA and caused me to get denied

BeyondtheWrap
BeyondtheWrap

Not sure if that would work. In May 2015 I applied for 3 BBR on the same day and only one application was processed. The others were considered duplicate applications and did not go through.

(However, maybe it would have worked if the applications were approved instantly. The website had trouble verifying my identity when I applied, probably because I had changed my occupation since my last approval.)

But what I meant was that if you already have one, you could get it again.

Justin
Justin

Thank you.
To Jay’s question, can you currently hold a normal bank of american cash rewards card, apply for a co-branded card and be eligible for the bonus?
From what I am reading, the answer seems to be yes…

Sue
Sue

Please let me know …what is BBR? Thanks.

Chuck

Better Balance Rewards card from Bank of America

jack
jack

I think I tried 8 different CSRs for a pc to BBR last October.. none of them would do it 🙁

John
John

My attempts to convert the cash rewards to a BBR (four months ago) were successful — but it did take many calls, I’ll admit. I knew the odds were stacked against me but I had also heard rare reports that it could happen. I decided that the only way to do it (and stay happy and relaxed and sane) was the following:

(1) Remind myself that BOA might say no even if I called 50 times — and mentally prepare for that to be fine if it happened.

(2) Write a little script for myself: the number to call, what buttons in the menu to push, my little monologue once I get a CSR on the phone, etc.

(3) Make the call to BOA part of my morning routine, something to do while I am reading the paper and having coffee, using speakerphone. Do it M-W-F. Always be prepared to end the call cheerfully when I get a No and then move on with my day in a happy place.

I did this for 4 weeks and eventually I was stunned to get a Yes. Might have been call 12 or 13.

credit
credit

Product change to bbr is not possible. At least wasn’t from Alaska. How up to date is your information?

Kent C
Kent C

Read John’s comment. Persistence can make the seemingly impossible, happen. His method, set out and planned, and already assuming rejection, made it happen. If you only expect success, you will give up out of frustration. To him 12 weeks x 3 calls/week or 36 calls was an acceptable game.

John
John

If you can resist the desire to apply for any more cards (a good idea in the one year run-up to an important loan) then your inquiries will lose all scoring impact after one year (assuming the creditor uses FICO). Furthermore your AAoA (Average Age of Accounts) will be 1 year higher which will be good.

Given your scores as you have described them, you’ll have no problem from a scoring perspective. But score is only one thing that is looked at. The lender will also look at your tax returns the two years before and your last few months of current paychecks and your current debt.

The best person to ask that question to is a loan officer.

glenn
glenn

put it off forever. the days of driving yourself are over soon so why commit to such a large expense now?

Gerald
Gerald

That’s a pretty silly comment. Many people actually need cars for luxuries like getting to work.

J. Grant
J. Grant

I’ve read lots of things, but it seems like people stopped churning about a year ahead of buying homes etc. Buying car isn’t as big of a deal. Recent inquiries are just one aspect of their decision making process. Want to be safe? Don’t churn for a year. Want to risk getting a “higher” rate? Continue churning. You’ll get a loan – the only difference is the rate you’ll get due to the risk level that you’re assigned as a lender.

Shawn
Shawn

Will I be able to use this card as purchase to fund a new TechCU account? New to the CC game.

J. Grant
J. Grant

I used a 1.5x BofA Travel Rewards card to fund the TechCu account, so chances are good you’ll be able to use it. Call BofA and try to lower your cash advance limit to as low as they’ll let you ($20 for BofA, I think, but I could be wrong) just in case it triggers a cash advance when you fund TechCU. Call them to do this; don’t do it over chat. Make sure that they don’t change your credit limit while lowering your cash advance limit. Good luck!

J. Grant
J. Grant

LOL at the 50 calls to convert the BofA cards to BBR cards. Way to go. I called 3x and was refused. I may give them a call a few more times and try – thanks for the motivation ppl!

John
John

It took me 13 calls total I think. It happened shortly after making 3 calls a week for 4 weeks.

The 50 calls number was my cutoff — I needed to be prepared for the possibility that I could get a gazillion No’s, and yet still be calm and stoical about it all.. Actually I expected that I probably would never get a Yes, so you can imagine how surprised and delighted I was to receive one at call 13 or 14.

I was so stunned that I almost said: “Honey, are you SURE you mean Yes? Didn’t you get the memo?” Fortunately I managed to retain a poker voice and treated it as though it was the expected outcome.

Jason

awesome info! got the UC Berkelely Cal Alumni card in addition to my prevoius Cash Rewards card from yr before!

Emily D
Emily D

Hoping to see some of those other links

Carl
Carl

Ok, so I *have* the BBR, but not this ABA Cash back card. I am thinking to get this one, but am curious as I can NOT figure out WHY I would want to product change to the BBR.

I am missing something in my head and that is WHAT is so special about the BBR that I would go to that card FROM this ABA card? Can Chuck or someone here please ‘splain me this?

weedibix
weedibix

I wonder whether it is actually worth making that many calls. The maximum benefit is $120 a year, and that only until they change the terms.

What other interesting things could I be doing instead of that multitude of phone calls?

Kevin
Kevin

Yeah, seems a little over the top, but if someone wants to spend their time making that many calls I guess that’s on them. To me, $120 a year isn’t worth that kind of a hassle.

Adam
Adam

is this the highest this offer has ever been? thought I might have read this goes upto $200 or $250 after $1k in spend sometimes or via targeted mailings. hard to keep track of all these CB cards/offers.

Ravi
Ravi

Got approved with 4k limit and also got approved BoA Travel card. Hopefully, both hard pull will get combined. Thanks DoC.

Srini
Srini

Looks like “System is down” 🙁

Back to Top ↑