If I can stop one person from getting this terrible card I’ll be happy
So I got this card for the 3% back on gas, sounds pretty good in theory, get about 10 cents off per gallon every time I fill up.
First (and lesser) issue is that you can’t redeem any rewards until you rack up $25 in cash back. So, I’ve done the math, and if you drive like an average American (fill up every 10 days, average fill costing you $40 or so) it will be over a year until you see a dime of actual rewards.
Second issue is that Bank of America’s system for setting up AutoPay is straight out of 2003. Any decent website, you go to the bill pay page -> click “set up autopay” -> check “previous statement balance” -> link a bank account, and done in under a minute. With BoA, you have to search around forever, both on the website and google, to figure out how to even start setting it up. Then you have to request an eBill and wait a few days, then come back and find the-- look, this review is getting too long, the point is the website is terrible. So I set up a reminder on my phone to go off every month on the 10th to pay my bill. Well, one month there’s a problem and the phone doesn’t go off and I don’t realize until 5 days later I haven’t paid my bill. For my whole life I’ve paid off every credit card on time every month, so I figure they’d help me out with the $25 late fee. Nope. Basically they kindly told me to go F myself and that my “excellent credit history” reduced the fee to $25 from the normal $38. Oh, how kind of you, Bank of America, the multi-billion dollar corporation, to save me $13.
Bottom line is that the card doesn’t meet the lowest expectations of a decent card.