| Rewards | 3% cash back on gas (on up to $1,500 of combined gas + grocery purchases per quarter) 2% cash back on groceries and wholesale clubs 1% cash back on all other purchases |
|---|---|
| Signup Bonus | $100 cash rewards after spending $500 in the first 90 days |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 16.49% to ~25.49% (variable), depending on cash-advance type and creditworthiness. |
| Cash Advance Fee | Either $10 or 3% of the amount for check / direct deposit advances; $10 or 5% for ATM / bank cash advances. |
| Late Payment Fee | Up to $37 |
| Purchases APR | 13.49% to 23.49% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The AMSA BankAmericard Cash Rewards Visa Signature is known for its simple, no-annual-fee cash-back structure and rotating bonus categories. Most users say the card is appealing because it doesn’t cost anything to carry and still offers solid rewards on everyday spending. Many reviewers mentioned that Bank of America customers—especially those with Preferred Rewards status—can boost their earnings, which makes the card feel much more competitive.
On the positive side, cardholders appreciate the flexible cash-back redemption options, reliable customer support, and the fact that the signup bonus is usually easy to earn. People also like that the card works well as a long-term “keeper” card thanks to the $0 annual fee.
Common complaints focus on the capped bonus categories, which some users find restrictive, and the earnings structure can feel underwhelming if you’re not part of the Bank of America ecosystem. Others mention that rewards aren’t as strong as newer cash-back cards with higher flat rates.
Personally, I think this card is a great fit for Bank of America customers or anyone who wants a straightforward, low-maintenance cash-back card. But if you’re chasing the highest possible rewards—or don’t bank with BoA—you might find better value elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
A
perfect for everyday spending
I've been using this card for groceries and gas, and the cash back adds up fast. Payments post quickly, and everything is super easy. Really satisfied so far.
D
Dependable
Pretty standard cash-back card with a nice bonus on gas and grocery spending. I like that it ties into my Bank of America account, which makes payments super easy. Nothing flashy, but dependable. the kind of what I expect from a card like this.
