YOUR CARD COLLECTION
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Cash back
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Choice category | 3% | $50k/yr combined across the 3% and 2% tiers, then 1% | Pick monthly from: gas stations, office supply stores, travel, TV / telecom / wireless, computer services, or business consulting services |
| Restaurants / Dining | 2% | Shared $50k/yr cap | — |
$500.00
Cash back
$500 online cash rewards bonus after at least $5,000 in purchases in the first 90 days of account opening (elevated in Mar 2026 from the standard $300 / $3,000).
Uses the reported cash amount at face value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Bank of America 2/3/4 rule (business counted separately)
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Filled in the Oct 29, 2026 pass from Bank of America's business offer (Bankrate / AwardWallet, updated Oct 28, 2026).
Offer type, as listed: Public — elevated