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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 |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | 1.5% | — | No bonus categories — the base rate applies to all spend. |
$250.00
Cash back
$250 online cash rewards bonus after $1,000 in purchases in the first 90 days.
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
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Confirmed in the Oct 29, 2026 pass: $250 online cash rewards bonus after $1,000 in 90 days is the online offer (WalletHub BofA roundup, Oct 2026); some channels list $200.
Offer type, as listed: Public (online offer)