Get a $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening the BankAmericard Cash Rewards™ Credit Card. There's an introductory 0% APR for your first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After that, a Variable APR that's currently 13.74% to 23.74% will apply. 3% fee (min $10) applies to balance transfers. You'll also earn 1% cash back on every purchase, 2% at grocery stores (and wholesale clubs) and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. There's no annual fee, no changing categories and no expiration on rewards. Also, get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account, and if you're a Preferred Rewards client, you can increase that bonus to 25%-75%.