Auburn University BankAmericard Cash Rewards Credit Card

Card Details
Rewards	3% cash back in one “category of your choice” (for example: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings). 2% cash back at grocery stores and wholesale clubs. 1% cash back on all other purchases
Signup Bonus	$100 cash rewards bonus after spending $500 within the first 90 days of account opening.
Annual Fee	$0
Cardmember Agreement	View Here
Cash Advance APR	16.49% to 25.49% (APR is subject to change)
Cash Advance Fee	Either $10 or 3% of the cash advance amount (whichever is greater) for check/direct?deposit advances; or $10 or 5% for bank/ATM cash advances (whichever is greater).
Late Payment Fee	Up to $37 (older disclosures) or up to $40 maximum.
Purchases APR	17.74% – 27.74% (APR is subject to change)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Auburn University BankAmericard Cash Rewards Credit Card stands out for its simple yet flexible cashback program: cardholders earn 3% in a category of their choice (like gas, groceries, or online shopping), 2% at grocery stores and wholesale clubs, and 1% on everything else — all with no annual fee. Many users also highlight the welcome bonus and occasional intro offers as nice perks.

Positive feedback: Most users say they appreciate the ability to choose a bonus category, which makes earning extra cashback on their regular spending easy. Many reviewers mentioned the 10% cashback boost when linked to a Bank of America checking or savings account as a smart way to maximize rewards. Cardholders also like the straightforward redemption options and the fact that rewards don’t expire.

Negative feedback: Common complaints include the quarterly cap on bonus category rewards, which limits potential earnings. Some users find the card’s lack of travel perks or premium benefits underwhelming, and a few mentioned occasional frustrations with customer service.

Blogger’s take: Personally, I think this card is best for students, everyday spenders, or anyone who wants no-fuss cashback without an annual fee. It’s a solid, low-maintenance option, but if you’re chasing high rewards or premium perks, you might find better value elsewhere.