The Cincinnati Reds Cash Rewards Mastercard is a team-branded cash-back card with no annual fee, part of the broader Bank of America® Cash Rewards program. It offers 3% cash back on gas (up to quarterly limits), 2% at groceries and wholesale clubs, and 1% on everything else, with a signup bonus for new cardholders after meeting a minimum spend.
Most users say the card is fun for Reds fans who want everyday rewards, and many reviewers mentioned they enjoy earning extra cash back on gas and groceries, plus the signup bonus that provides a nice early boost. Cardholders also like the flexibility of redeeming rewards as statement credits, gift cards, or merchandise.
Some users complain that the 3%/2% categories have a cap, so heavy spenders hit limits quickly. Others mentioned the high cash advance APR and standard interest rates if balances aren’t paid in full. A few reviewers also noted that team branding doesn’t add any real financial value—it’s mostly aesthetic.
Personally, I think this card is best for Reds fans who pay off their balance monthly and want simple cash-back on everyday purchases. If you’re looking for high rewards across all spending or travel perks, a broader cash-back or travel card may be a better fit.
