This Bank of America U.S. Pride credit card is offering you $200 online cash rewards bonus if you make at least $1,000 in purchases in the first 90 days of having your account open. See out list of other credit card offers here.
If gaining 2%-3% cash back rewards for grocery shopping, wholesale clubs, and other options of your choice sounds appealing to you, then this card will be a good match for you.
You’ll be able to receive more rewards using the Preferred Rewards Program, this is where their clients will be able to gain an additional 25%-75% bonus for their expenses.
Bank of American U.S. Pride Card Quick Facts
| Bonus Available | Receive the online $200 cash rewards bonus once you make a minimum of $1,00 in expenses within the first 90 days of opening your account. |
| Bonus Value | $200 |
| Travel Credit | N/A |
| Ongoing Rewards/Benefits |
Earn 3% cash back in the bonus option you choose such as: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Gain 2% cash back at grocery stores and wholesale clubs. Get 1% cash back on other expenses. Earn 2%-3% cash back for the first $2,500 for all together choice category/grocery store/wholesale club purchases each quarter, then gain 1% |
| Foreign Transaction Fees? | 3% |
| Airport Lounge Access | N/A |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*If interested see our list of Bank of America bonuses for Checking & Savings accounts.*
*Bonus value is an estimated value calculated by BankCheckingSavings and not the card issuer. View our latest valuations here.
Pros
- $200 bonus
- No annual fee to justify
- 0% intro APR for 12 billing cycles
- Bank of America Preferred Rewards bonus of 25% – 75%
Cons
- $2,500 spending cap on bonus rewards
- There are cards with higher rewards if you’re a big spender and willing to pay the annual fee
Editor’s Alternate Pick
 The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
Bank of American U.S. Pride $200 Bonus
You must make at least $1,000 in expenses in the first 90 days of opening your account to be able to receive the $200 cash rewards bonus.
Having the $200 bonus is very appealing for a cash back credit card that has no annual fees included.
Here are some ideas on meeting the spending requirement:
How Much Cash Back Can You Earn?
The Bank of America U.S. Pride credit card gives you quality rewards if you are able to wrap your mind around their complex rewards system.
Using the highest rewards rate of 3% for cash back will be in the bonus option of your choosing. You’ll be presented with 6 choices when you’re picking a 3% cash back option (you’ll only be allowed to pick one) such as:
- Gas
- Online shopping
- Dining
- Travel
- Drugstores
- Home improvement and furnishings
However, if you chose not to pick a specific category, the default 3% option will be given to you as gas. But if you tend to spend more of your money on Amazon, than you should consider Online Shopping to use your rewards to their full potential.
Using this you will be able to gain 2% for grocery shopping, wholesale clubs, and unlimited 1% for other expenses.
In other words, the 2%-3% rewards rate will be capped and will only be able to apply to $2,500 with the categories grocery store/wholesale club quarterly expenses all together. Besides that, you will be able to gain an unlimited 1% for daily expenses.
You’ll be able to redeem your cash rewards for any possible amount, at anytime for statement credit, deposits straight into your Bank of America checking or savings account, or for credit to a qualifying account with Merrill Lynch or Merrill Edge.
Redeeming points will be contributing to any eligible 529 account with Merrill Lynch or Merrill Edge or a check start of $25.
You are able to set up immediate redemptions for a qualifying Bank of America, Merrill Lynch, or Merrill Edge account. Your automatic redemption will begin at $25. Statement credit, checks, and contributions for a eligible 529 account will not qualify for automatic remdeptions.
Bank of America U.S. Pride Top Features
With this credit card, you will get 0% APR rate for your expenses in the first 12 billing cycles. This perk will offer you more time and it’s more malleable to be able to pay of a big investment.
Remember, the introductory 0% APR will be able to be used on balance transfers that you’ve made in the first 60 days. But, there will be a 3% ($10 minimum) balance transfer fee included.
Sign up for the Bank of American Preferred Rewards with a minimum of $20,000 for your accounts all together, you’ll benefit from the 25%-75% rewards increase for your expenses.
The Bank of America Preferred Rewards bonus will be applied once your base and cash bonus rewards have been premeditated for your expenses.
Hypothetically speaking, a $100 purchase will gain you 3% ($3.00) when in reality it will gain you $3.75, $4.50 or $5.25 based on your rank when the charge is updated to your account.
You will be qualifying to sign up for the Preferred Rewards Program if you already have an account with Bank of America, Merrill Edge, Merrill Lynch investment accounts. You’ll have to uphold the 3 month average balance of a minimum of $20,000 all together with one of these accounts.
| Tier | Qualifying Combined Balance |
| Gold | $20,000 |
| Platinum | $50,000 |
| Platinum Honors | $100,000 |
If you don’t have a Bank of America checking account then look at this list for current BoA checking account bonuses to assist you in making a decision for if this card is worth changing to and gaining bonuses.
Clients that already have an account will gain a Preferred Rewards bonus of 25% for Gold, 50% for Platinum, or 75& for Platinum Honors.
For example, with the normal 3% cash back for the bonus option of your choosing, you will be able to gain a max of 5.25% back in that option.
| Qualifying Balance | Bonus category reward rate | Grocery store/wholesale club reward rate | Reward rate on everything else |
| $20,000 (Gold) | 3.75% | 2.5% | 1.25% |
| $50,000 (Platinum) | 4.5% | 3% | 1.5% |
| $100,000 (Platinum Honors) | 5.25% | 3.5% | 1.75% |
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Conclusion
This $200 bonus offer with the small $1,000 spending requirement is a decent offer for a cash back credit card. The broad categories will make it more simple to use the category of your choosing to its full potential. But, there is a small ceiling for the rewards that will be able to gain you large rates of 2%-3%. If you spend a decent amount of money than you will most likely max this card out with its bonus options. However, if this is the case than I would suggest considering a different rewards credit card that has no annual fees included.
(Visit Bank of America U.S. Pride for more information)
What’s the Competition?
There are some of Bank of Americas U.S. Pride credit card’s top competitors listed below.
The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
 The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR. You'll earn: • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. • 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There are no annual fees with this card (See Rates & Fees). Terms Apply. |
 The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
 The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
