ReviewsU.S. Pride BankAmericard Cash Rewards Visa Card Review: A Great Choice for Bank of America Customers
Card ReviewU.S. Pride BankAmericard Cash Rewards Visa
The U.S. Pride Credit Card is a well-rounded card that rewards you for everyday purchases. You’ll get the best bonuses at grocery stores, gas stations and wholesale clubs, and Bank of America customers automatically get a 10% bonus when they redeem their rewards to their Bank of America checking or savings account.
U.S. Pride BankAmericard Cash Rewards Visa Card Quick Review
Here’s a brief overview of the U.S. Pride Credit Card:
Annual Fee: $0
APR: 0% for 12 months, then 15.24% to 25.24%
Sign-Up Bonus: $200
Benefits:
- 3% cash back at gas stations
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back everywhere else
- Cash back bonuses of up to 75% for cardholders with a Bank of America checking or savings account
- Free FICO score
Other Fees:
- $10 or 3% balance transfer fee, whichever is greater
- $10 or 5% cash advance fee, whichever is greater
- 3% foreign transaction fee
- Up to $38 late payment fee
- Up to $27 returned payment fee
Why Apply for the U.S. Pride BankAmericard Cash Rewards Visa Card
The U.S. Pride Credit Card is worth considering if any of the following apply to you:
You like earning rewards on everyday purchases
This card offers 3% cash back at gas stations, 2% back at grocery stores and wholesale clubs and 1% back on everything else. It’s a great choice if you want a go-to card for everyday purchases and you don’t want to be bothered with rotating categories that you need to opt into. There’s no limit to how many rewards you can earn, though there are caps on the bonus rewards at gas stations, grocery stores and wholesale clubs.
You’d like to earn a quick $200
You’ll earn $200 in bonus cash back if you spend $500 on the credit card within the first 90 days of account opening. This sign-up bonus is relatively easy to achieve, and it’s higher than many comparable cash-back credit cards.
You need to transfer a balance
The U.S. Pride Credit Card has an introductory APR of 30.74% (Variable) on purchases and balance transfers made within the first 60 days of opening your account. The balance transfer fee is equal to the greater of $10 or 3% of the transferred balance, which is standard for balance transfer cards. After the 0% APR period is up, any remaining balance will revert to the standard APR, which will depend on your credit score.
You’re already a Bank of America customer
Bank of America customers are eligible for a 10% cash back rewards bonus when they redeem their U.S. Pride Credit Card to a Bank of America checking or savings account. So if, for example, you earn $100 in cash back rewards, you’ll receive $110 in your Bank of America checking account. Preferred Rewards customers—those with an average account balance of $20,000 or greater for three months—will see their bonus increase to 25%. That bonus can reach all the way up to 75%, depending on your account balance.
U.S. Pride BankAmericard Cash Rewards Visa Card: Drawbacks and Downsides
While there is a lot to appreciate about the U.S. Pride Credit Card, you should be aware of its limitations as well:
Bonus rewards are capped
After you spend $2,500 at gas stations, wholesale clubs and grocery stores each quarter, you’ll no longer earn bonus cash back. Any additional purchases within these categories will earn the standard 1% for the rest of the quarter. This limits your rewards-earning potential if you spend a lot in these categories.
U.S. Pride BankAmericard Cash Rewards Visa Card Alternatives
If the U.S. Pride Credit Card isn’t a good fit for you, you may enjoy one of these cards instead:
Discover it® Card
The Discover it® Card earns bonus rewards across a wider range of categories. Each quarter, the card rotates categories where you can earn 5% cash back on up to $1,500 in purchases. Previous categories have included gas stations, restaurants and Amazon.com. You have to sign up for these bonuses each quarter; otherwise you’ll earn the standard 1% cash back. As a special bonus, Discover matches all of the cash back you earn in your first year.
The Discover it® offers an introductory APR of 0% for 14 months, then 13.99% to 24.99% on purchases and balance transfers. Its standard APR is also slightly lower than that of the U.S. Pride BankAmericard Cash Rewards Visa Card, depending on your credit.
Alliant Cashback Visa Signature Credit Card
The Alliant Cashback Visa Signature Credit Card offers unlimited 3% cash back on all purchases made within the first year, and unlimited 2.5% cash back for every year after that. If you find the caps on the U.S. Pride Credit Card’s bonus categories too low, this is a good alternative. However, the card has a $59 annual fee after the first year, so make sure you’ll spend enough to make the fee worth it.
To apply for this card, you must be a member of Alliant Credit Union. You can easily become one with a $10 donation. This card isn’t ideal for balance transfers, as it doesn’t offer a 0% introductory APR. However, its standard APR is pretty low, ranging from 11.99% to 14.99%.
U.S. Pride BankAmericard Cash Rewards Visa Card FAQs
Here are the answers to some of the most common questions about the U.S. Pride Credit Card:
Do Bank of America Cash Rewards expire?
No, your Bank of America Cash Rewards will not expire as long as your credit card account is active.
How do you redeem Bank of America Cash Rewards?
You can redeem your Bank of America Cash Rewards points by logging into your Bank of America credit card account online. Here, you can view your balance and redeem your rewards for gift cards, travel or cash back. If you have a linked Bank of America checking or savings account, you can have the money deposited there directly.
Bottom Line: Should You Apply for the U.S. Pride BankAmericard Cash Rewards Visa Card?
The U.S. Pride BankAmericard Cash Rewards Visa Card is a terrific option for everyday spending, especially if you’re already a Bank of America customer. With bonus rewards at gas stations, wholesale clubs and grocery stores, this could easily become the go-to credit card in your wallet.
