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Bank of America U.S. Pride® Credit Card

Credit needed
Good
APR
13.99% to 23.99%
Annual Fee
$0

Card Summary

You can earn a 3% or 2% cashback on purchases up to $2,500 per quarter in combination choice categories, wholesale clubs and grocery stores (otherwise 1%).

The Bank of America U.S. Pride® Credit Card charges an annual $0 fee.

Cardholders who open a new account receive $200 in cash rewards.

Based on creditworthiness, variable APRs range from 13.99% up to 23.99%.

Card Summary - Cons

Rates and fees

Issuer Name
Bank of America
Penalty APR
Maximum 29.99%
Credit Needed
Good
Balance Transfer Fee
The greater of $10 or 3% depending on the transaction amount, whichever is higher. Intl APR: For transactions that were made within the 60-day period following opening your account, 0% introductory annual APR.
Annual Fee
$0
Cash Advance Fee
Direct deposit and check cash advances: $10, or 3%, depending on the transaction amount ATM, Over the Counter, Same Day Online, and Cash Equivalent Cash Advances are $10, or 5%, depending on the transaction amount.
APR
13.99% to 23.99%
Foreign Transaction Fee
If the transaction was made or processed in the United States, 3% of any U.S. Dollar amount is charged.
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The Best Features

Sign-up bonus: Fifteen billing cycles 0% APR Introductory Period: Bank of America U.S. Pride Credit Card provides a 0% APR promotional period on 15 billing cycles for purchases as well as any balance transfer made within 60 calendar days after opening an account.

Based on creditworthiness, the variable APR ranges from 13.99% up to 23.99%.

Additional rewards: Bank of America clients who have become Bank of America Preferred Reward customers can receive a 25 to 75% reward bonus for every purchase.

Rewards

Bank of America U.S. Pride Credit Card holders receive 3% cashback in any category you choose, such as gas, online shopping and travel.

It also offers 2% cashback at grocery stores or wholesale clubs.

You can earn 3% or 2% cashback on purchases up to $2,500 each quarter in combination choice category, grocery stores and wholesale clubs (then it is 1%).

Other purchases receive 1% cashback.

Sign up bonus

Pride Credit Card holders will receive $200 cash rewards for every $1,000 spent within the first 90 day of account opening.

APR Requirements

Drawbacks

Penalty APR high.

Bank of America U.S. charges a foreign transaction fee.

This is not the case with many reward cards.

The Bank of America U.S. charges a 3.3% fee for foreign transactions on all purchases or cash advances.

Highlights

You will receive 3% cashback in your chosen category: online shopping, gas, food, and travel. Each quarter you'll receive 3% to 2% cashback on your first $2,500 of combined category/ grocery shop/ wholesale store purchases. After that, earn 1%.

You can choose how to earn rewards and avoid paying an annual fee. You will receive $200 in cash rewards if you make at least $1,000 of purchases within the first 90 day after opening your account.

Members of Preferred Rewards earn 25-75% more cashback on all purchases: This means that the 3% option category can go up up to 5.255% and the 2.2% grocery store and wholesale club could go up up to 3.5% for first $2,500 combined category/ grocery shop/ wholesale group purchases in each quarter. The 1% for any other purchase could increase to 1.75%.

Benefits

You can access your Bank of America U.S. checking account and link it to the Pride Credit Card for additional benefits such as monthly FICO credit score accessibility free of charge, mobile banking, digital wallet, overdraft protection, and more. ‍

Comparative Analysis with Other Cards

Bank of America U.S. Pride Credit Card vs. Chase Freedom Flex

Annual Fee: There is no annual fee for the card.

Rewards: Bank of America U.S. Pride Credit Card holders receive 3% cashback in any category you choose, such as gas, online shopping and travel. It also offers 2% cashback at grocery stores or wholesale clubs. You can earn 3% or 2% cashback on purchases up to $2,500 each quarter in combination choice category, grocery stores and wholesale clubs (then it is 1%). Other purchases receive 1% cashback.

Chase Freedom Flex gives you 5% cashback on purchases up to $1500 combined in bonus categories every quarter that you activate. Chase Travel Ultimate Rewards(r) offers 5%, Chase Dining and Drugstores 3%, and 1% for all other purchases.

Sign up bonus: If you spend $1,000 within the first 90 day of opening your account, Pride Credit Card will give you a $200 bonus cash reward. Chase Freedom Flex gives you a $200 bonus if $500 is spent within the first three months of account opening. Earn 5% Cash Back on Groceries (Not including Target(r), Walmart(r), and up to $12,000 in your first year.

Benefits: offered by The Bank of America U.S. The Bank of America U.S. Pride Credit Card provides benefits such as monthly FICO credit score access, free mobile banking and digital wallet, overdraft protection, and the ability to link your Bank of America checking accounts with your card.

Chase Freedom Flex cardholders get benefits such as zero liability protection, purchase coverage and extended warranty protection.

Bank of America U.S. Pride Credit Card vs. Discover it chrome:

Reward: The Bank of America U.S, you can earn 3% or 2% cashback on purchases up to $2,500 each quarter in combination choice category, grocery stores and wholesale clubs (rather than 1%). Other purchases receive 1% cashback.

Cardholders with the Discover it Chrome card get 2% cashback on gasoline and restaurant purchases up to $1,000 per quarter. All other purchases earn unlimited 1% cashback. New Bank of America U.S.

Sign up bonus: Pride Credit Card holders will receive $200 cash rewards for every $1,000 spent within the first 90 day of account opening. Although the Discover chrome doesn't offer any sign-up bonuses, Discover will double your cash rewards after your first year.

Benefits with the Bank of America U.S.: You can access your Bank of America U.S. checking account and link it to the Pride Credit Card for additional benefits such as monthly FICO credit score accessibility free of charge, mobile banking, digital wallet, overdraft protection, and more.

Cardholders of Discover It Chrome receive additional benefits such as online account access and fraud protection.

There are also no foreign transaction fees. You can get overdraft protection by linking your Bank of America checking accounts to your credit card

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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