Rakuten is stacking Bank of America cards: $250 on Travel Rewards, $150 on Customized Cash

新闻内容

Rakuten is paying its own sign-up cash back on two no-annual-fee Bank of America cards, separate from the bank’s welcome offers. On the August 2026 store pages, even before you log in, the numbers are:

• Travel Rewards: an extra $250 cash back, marked was $125
• Customized Cash Rewards: an extra $150 cash back, marked was $75

Rakuten’s exclusions say the cash back comes from Rakuten, not Bank of America; it is only for new, approved cardholders; the account has to stay open at least three months after approval; one cash-back bonus per Rakuten member; U.S. residents only. Posting is “within a few months.” Applying can still hit your credit file.

Bank of America’s own welcome offers sit on the Rakuten deal tile and the public applications. They do not replace the Rakuten cash back.

Travel Rewards still lists 25,000 points after $1,000 of purchases in the first 90 days, described as a $250 statement credit toward travel. The card earns 1.5 points per $1 on everyday spend and 3 points per $1 on travel booked through BofA Travel, with no annual fee. Bank of America also groups it with no-foreign-transaction-fee cards; confirm the rate sheet on the application.

Customized Cash Rewards uses the same $1,000 / 90-day spend for a $200 online cash bonus. New accounts earn 6% in a choice category for the first year (gas and EV charging, online shopping including cable/internet/phone/streaming, dining, travel, drugstores, or home improvement), 2% at grocery stores and wholesale clubs, and 1% on everything else. The 6% and 2% share a $2,500 combined quarterly cap, then 1%. After year one the choice category returns to 3%. No annual fee. This card typically has a foreign-transaction fee.

Both cards can still pick up Bank of America’s Preferred Rewards boost, up to 75% extra, if you have the right deposit or Merrill balances. That is a banking-tier perk, not the Rakuten bonus.

The Rakuten add-on moves. The store pages themselves print was $125 and was $75, so the current figures are a raised rate, not a floor. Trackers have seen Travel Rewards around $275 and Customized Cash around $200, then back down. Do not treat today’s number as a locked high.

You only get the Rakuten bonus if you apply through the Rakuten store click. Opening the Bank of America site directly, or coming from another deal site, usually does not count. The public pages show cash back. If your Rakuten account is set to Membership Rewards or another points currency, the logged-in tile may show $0 or a different unit. Trust what your account shows.

Carddoger总结

This is for people who already wanted one of these no-fee cards and already use Rakuten. Travel Rewards is the bank’s $250 travel credit plus Rakuten’s current $250. Customized Cash is the bank’s $200 plus Rakuten’s current $150. The stack only works if you are approved, you keep the account open three months, and you used the Rakuten link.

Log in before you apply. The amount, the earning currency, and the fine print can differ from the logged-out teaser. One Rakuten bonus per member, so two cards in the same household do not mean two Rakuten payouts.

The application is a credit pull. Closing the card before three months can miss the Rakuten deposit. Foreign-transaction fees on Customized Cash can erase the cash back if you spend abroad.

Use the live Rakuten store terms and the Bank of America application page.