How to Find How Much Cash Back You Got with Boa
Bank of America (BoA) offers a variety of credit cards that provide cash back rewards to their customers. These rewards can be a great way to earn money back on your purchases, but it’s important to know how to track and calculate the cash back you’ve earned. In this article, we will explore the steps you can take to find out how much cash back you’ve received with BoA, along with some useful tips and insights.
1. Understanding BoA Cash Back Rewards
Before diving into the process of finding your cash back rewards, it’s essential to understand how BoA’s cash back program works. BoA offers several credit cards that provide cash back rewards on eligible purchases. The amount of cash back you can earn varies depending on the specific credit card you have.
For example, the Bank of America® Cash Rewards credit card offers 3% cash back in a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. On the other hand, the Bank of America® Premium Rewards® credit card offers 2 points per $1 spent on travel and dining purchases and 1.5 points per $1 spent on all other purchases.
2. Logging into Your BoA Online Account
The first step to finding out how much cash back you’ve earned with BoA is to log into your online account. If you don’t have an online account, you can easily create one by visiting the Bank of America website and following the registration process.
Once you’re logged in, navigate to the “Rewards” or “Cash Back” section of your account. This section will provide you with all the information you need to track and calculate your cash back rewards.
3. Reviewing Your Cash Back Summary
Within the “Rewards” or “Cash Back” section of your BoA online account, you’ll find a summary of your cash back rewards. This summary will include details such as the total cash back earned, the cash back earned by category, and any pending or redeemed rewards.
Take the time to review this summary and familiarize yourself with the information provided. It will give you a clear picture of how much cash back you’ve earned and where it came from.
4. Checking for Bonus Cash Back Offers
In addition to the regular cash back rewards, BoA often offers bonus cash back opportunities. These can include limited-time promotions or special offers for specific categories or merchants.
Make sure to check for any bonus cash back offers within your online account. These offers can significantly boost your cash back earnings, so it’s essential not to miss out on them.
5. Utilizing BoA Mobile App
If you prefer to track your cash back rewards on the go, BoA also offers a mobile app that allows you to access your account information conveniently. The app provides a user-friendly interface where you can view your cash back rewards, check for bonus offers, and even redeem your rewards.
Download the BoA mobile app from your device’s app store and log in using your online account credentials. Once logged in, navigate to the rewards or cash back section to access all the relevant information.
6. Contacting BoA Customer Service
If you’re having trouble finding or understanding your cash back rewards, don’t hesitate to reach out to BoA customer service. They have a dedicated team that can assist you with any questions or concerns you may have.
Call the customer service number provided on the back of your credit card or visit the Bank of America website for alternative contact options. The customer service representatives will be able to guide you through the process and provide any necessary clarification.
Frequently Asked Questions (FAQ)
1. How often are cash back rewards updated in my BoA account?
BoA typically updates cash back rewards on a monthly basis. However, it’s important to note that there may be a delay of a few days before the rewards are reflected in your account.
2. Can I redeem my cash back rewards for statement credits?
Yes, BoA allows you to redeem your cash back rewards for statement credits, which can help offset your credit card balance.
3. Are there any limitations on earning cash back rewards?
While BoA credit cards offer cash back rewards, there may be certain limitations or exclusions on eligible purchases. It’s essential to review the terms and conditions of your specific credit card to understand any restrictions.
4. Can I transfer my cash back rewards to another BoA credit card?
Yes, BoA allows you to transfer your cash back rewards from one BoA credit card to another. This can be useful if you have multiple BoA credit cards and want to consolidate your rewards.
5. Do cash back rewards expire?
BoA cash back rewards do not expire as long as your credit card account remains open and in good standing. However, it’s always a good idea to redeem your rewards regularly to avoid any potential issues.
6. Can I track my cash back rewards using third-party personal finance apps?
Yes, many popular personal finance apps allow you to link your BoA account and track your cash back rewards alongside your other financial information. Examples of such apps include Mint, Personal Capital, and YNAB.
Summary
Tracking and calculating your cash back rewards with Bank of America is a straightforward process. By logging into your online account, reviewing your cash back summary, checking for bonus offers, utilizing the mobile app, and contacting customer service if needed, you can stay on top of your earnings.
Remember to regularly review your cash back rewards to ensure you’re maximizing your earnings and taking advantage of any bonus opportunities. With a little effort, you can make the most of your BoA cash back rewards and enjoy the financial benefits they provide.