| Rewards | 3% cash back on gas purchases (up to the quarterly cap). 2% cash back at grocery stores. 1% cash back on all other purchases. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24%–29% variable |
| Cash Advance Fee | 4% of the amount of each cash advance for direct deposits and convenience checks. 5% of the amount for ATM or bank teller cash withdrawals. |
| Late Payment Fee | Up to $40 |
| Purchases APR | 13.99% – 23.99% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The BoatUS BankAmericard Cash Rewards Visa is best known as a no-annual-fee cash-back card that’s especially friendly to boaters and road-trippers. It offers 3% back on gas, 2% on groceries, and 1% on everything else, with occasional intro APR offers on purchases — pretty straightforward, no flashy perks.
Most users say the gas rewards are the big win, especially for frequent drivers and boat owners who spend a lot on fuel. Many reviewers mention the no annual fee, simple rewards structure, and the reliability of Bank of America’s customer service and app. It’s often praised as an easy “set-and-forget” card.
The biggest complaint is the quarterly spending cap on the 3% and 2% categories, which heavy spenders hit quickly. Others mention the lack of a strong signup bonus and no premium travel perks or transfer partners.
Personally, I think this card is a solid choice if you spend heavily on gas and want uncomplicated cash back with no fee. If you’re chasing big bonuses or travel rewards, though, you’ll likely find better value elsewhere
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
C
Great if you’re into boating
You get the standard BoA cashback plus BoatUS perks, surprisingly useful.
D
perfect for boat owners
This surprised me with strong cash back on gas and online purchases. The BoatUS membership discount is a great perk, especially if you're out on the water often. Solid everyday value overall.
