The Bank of America Cash Rewards is a personal credit card from Bank of America Cash Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.24% - 26.24% Variable after a 0% introductory rate for 15 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: Online exclusive: Earn a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.. Rewards: 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.. Cash back: Unlimited 1% cash back on every purchase.. Typical credit limit: Varies. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card.. Flexible cash back categories and no annual fee.