Quick verdict
Best for bofa checking/savings customers who qualify for preferred rewards boosts. Skip if you don't bank with bofa (you miss the preferred rewards boost, which is the whole point). also skip if you want a fixed 3% dining card — the choice category can be confusing.
🎁 Welcome bonus
$200 online cash rewards bonus after $1,000 spend in 90 days
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Choice category (3%) | 3% | cash back |
| Groceries | 2% | cash back |
| Wholesale clubs | 2% | cash back |
| Everything else | 1% | cash back |
Points/miles valued at 1.00¢ each (CreditStud.io estimate based on typical travel redemption).
✨ Perks
- 3% on your choice category — change it any time (gas, online shopping, dining, travel, drugstores, or home improvement)
- 2% on groceries and wholesale clubs (no caps on 3% and 2%)
- 1% on everything else
- No annual fee
- 0% intro APR for 15 months on purchases
- Preferred Rewards boost: BofA checking customers get 10-75% bonus on rewards (up to 5.25% / 3.5% / 1.75%)
- No foreign transaction fees
- Free FICO score from TransUnion
🎯 Who should consider this card
✅ Best for
- BofA checking/savings customers who qualify for Preferred Rewards boosts
- People who want flexibility to change their 3% category month to month
- Grocery shoppers who also want a wholesale club bonus
❌ Skip if
You don't bank with BofA (you miss the Preferred Rewards boost, which is the whole point). Also skip if you want a fixed 3% dining card — the choice category can be confusing.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.