Best $200 Cash Back Bonus Cards

Best $200 Cash Back Bonus Cards

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Competition in the cash back credit card space is heating up and card issuers are offering incredible perks to consumers with good to excellent credit in order to win your business. Our top-rated cash back cards that do not charge an annual fee are all offering amazing ongoing rewards, sign-up bonuses and long intro APR periods.

Critics’ Choice Winner Our Critics’ Choice winner for Flexible Cash Back is the Bank of America® Customized Cash Rewards credit card.

Up to 3% Cash Rewards With the Bank of America® Customized Cash Rewards credit card you get to decide which category you’ll earn 3% back in each month while also earning 2% back at grocery stores and wholesale clubs. The bonus cash back earned in these combined categories (your choice, grocery and wholesale clubs) is capped at $2,500 in purchases each quarter. You’ll earn 1% after that cap is hit and on all of your other purchases. Choice categories can be easily updated through the Bank of America® mobile app each month for future purchases and include gas, online shopping, dining, travel, drug stores or home improvement/furnishings.

$200 Cash Rewards Bonus To sweeten the deal, you’ll also earn a $200 online cash back rewards bonus after you make at least $1,000 in purchases on your card within the first 90 days of your account opening. That’s an additional 20% back on your first $1,000 spent!

Generous Introductory APR You’ll also be able to save money with a 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 14.24% – 24.24% Variable APR will apply. There is a 3% balance transfer fee (with a $10 minimum), but that fee is likely much lower than the interest you are paying on another card. The ongoing 14.24% – 24.24% Variable APR will apply after that intro period is over so it’s good to make a budget and pay that balance down within 15 billing cycles if possible.

Increase Your Cash Back by 25% – 75% Bank of America® Preferred Rewards program members can accelerate their cash back earnings by 25% to 75%. Your eligibility for this program is based on your Bank of America® and Merrill combined balances. If you qualify for that highest tier, then the 3% choice category could go up to 5.25% and the 2% at grocery stores and wholesale clubs could go up to 3.5% (still for the first $2,500 in combined purchases) and the 1% for all other purchases could go up to 1.75%.

Bank of America® Customized Cash Rewards credit card

Purchase APR

0% Intro APR for 15 billing cycles for purchases, then 14.24% – 24.24% Variable APR

Balance Transfer APR

0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.24% – 24.24% Variable APR

Recommended Credit Score

Excellent/Good
670 – 850*

Cash Rewards

1% – 3% 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.1% cash back on all other purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

View All Card Details

Updated April 14, 2022

Critics’ Overview The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees. With an easy to achieve intro bonus, fantastic ongoing cash back rewards and very generous intro-APR periods for purchases and balance transfers, it checks all the important boxes. Read our in-depth Critical Analysis to learn more.

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 14.24% – 24.24% Variable APR will apply.

Recommended Credit Score

Excellent/Good (670 – 850*)

Card Details From Issuer$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.No annual fee and no expiration on rewards.0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% – 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.Contactless Cards – The security of a chip card, with the convenience of a tap.This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. Apply Now

On Bank of America®’s Secure site

Other Cash Back Options If you are in the market for a flexible cash back card without an annual fee then the Bank of America® Customized Cash Rewards credit card is tough to beat. Since it is always good to compare your top options, we have rounded up some other compelling cash back cards with $200 bonuses that may appeal to you as well.

Wells Fargo Active Cash® Card Apply Now

on Wells Fargo’s secure site

Recommended Credit Score

Excellent/Good

Show Card Details +

Updated April 14, 2022

Critics’ Overview If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Purchase APR

0% intro APR for 15 months from account opening, then 15.24%-25.24% Variable APR

Balance Transfer APR

0% intro APR for 15 months from account opening on qualifying balance transfers, then 15.24%-25.24% Variable APR

Recommended Credit Score

Excellent/Good (670 – 850*)

Card Details From IssuerEarn a $200 ca

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