ACS BankAmericard Cash Rewards Visa Signature Credit Card

Card Details
Rewards	Earn 3% cash back in a category of your choice (like gas, online shopping, dining, or travel) on purchases, up to a quarterly cap. Earn 2% cash back at eligible grocery stores and wholesale clubs, for the first ~$1,500 in combined purchases in these bonus categories each quarter. Earn 1% cash back on all other purchases.
Signup Bonus	$100 cash rewards bonus after spending $500 in purchases within the first 90 days. More generous versions: In some instances, it has offered $200 cash back after spending $500 or $1,000 in the first 90 days.
Annual Fee	$0
Cardmember Agreement	View Here
Cash Advance APR	28.24% – 29.24% (APR is subject to change)
Cash Advance Fee	5% of the amount advanced
Late Payment Fee	$29 for the first late payment and $40 if you make another late payment within six billing cycles of the first.
Purchases APR	17.74% to 29.24%, based on your creditworthiness (APR is subject to change)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The ACS BankAmericard Cash Rewards Visa Signature® Credit Card is known for its straightforward cash-back program and no annual fee, making it a favorite among everyday spenders who value simplicity over frills. You earn 3% cash back on a category of your choice (like gas, dining, or online shopping), 2% at grocery stores and wholesale clubs, and 1% on everything else, with a solid intro offer on purchases and balance transfers.

Most users say they love how easy it is to redeem rewards—cash goes straight back into their account, and the category flexibility adds real value for budget-minded shoppers. Many reviewers also praise the reliable customer service and the ability to boost rewards by redeeming into a Bank of America checking or savings account.

On the downside, some users complain about reward caps on bonus categories and modest sign-up bonuses compared to flashier travel cards. Others wish the card offered more premium perks for a “Signature”-branded product.

Personally, I think this card is best for Bank of America customers or anyone who wants steady, no-nonsense cash-back rewards without juggling multiple cards. It’s not flashy, but it’s dependable—perfect for those who prefer consistent value over complicated point systems.