Susan G. Komen® Cash Rewards Visa® credit card from Bank of America

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Decent cash-back card with an altruistic angle, but not a very generous one.

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In other branding efforts, like the MLB Cash Rewards Mastercard from Bank of America, Bank of America slaps a different logo on the front of its Bank of America Cash Rewards cards and calls it a day. Everything else about the two cards is identical.

The Susan G. Komen Cash Rewards Visa credit card, also known as the Pink Ribbon BankAmericard Cash Rewards credit card, is a bit different. On top of the standard rewards the Cash Rewards banner comes with, the issuer also pledges to make a donation to the breast cancer research and charity foundation Susan G. Komen.

But unless you plan on making a pricey purchase within the first 90 days, you’re probably better off making a tax-deductible donation on your own. For example, if you make a $10,000 purchase with this card, the issuer will make a 0.08% donation, or $80.


This card’s most direct competition is the Blue Cash Everyday from American Express, another card that doesn’t charge an annual fee. Both cards offer extra rewards on gas and supermarket spending.

The Komen card offers 3% cash-back on gas purchases and 2% at grocery stores and wholesale clubs up to $2,500 in combined spending per quarter. You’ll earn 1% on all other purchases. The AmEx card pays 3% at U.S. supermarkets on up to $6,000 in spending per year (then 1%), 2% at U.S. gas stations and select U.S. department stores and 1% on all other purchases.

If you purchase much of your household’s groceries, there’s a better card for you.

We do like that this card comes with a potential for extra rewards for Bank of America deposit account customers, but the 10% bonus probably isn’t enough to offset a card that offers a 2% flat rewards rate.

You’ll also earn $200 in online cash rewards after you make just $500 in purchases during the first 90 days of account opening. That spending requirement is fairly low – even for a rewards card that carries no annual fee.

Who should get this card

This card is good for someone who wants an easy-to-follow cash-back card that rewards them for typical household spending. There are no rotating categories to keep track of and if you have a bank account and/or brokerage account with Bank of America or Merrill Lynch, the rewards value starts to exponentially increase.

This card may also be good for anyone looking to make a big purchase and wants the flexibility to pay it off over time as it comes with a 0% APR introductory offer on purchases and balance transfers for the first 12 billing cycles (for balance transfers made in the first 60 days). After that, a variable APR of 15.24% – 25.24% will apply. Those with a philanthropic spirit also will enjoy that a percentage of that purchase — if made during the first 90 days of account opening — will go to Susan B. Komen.

  • For all purchases made within the first 90 days of opening the account, Bank of America will donate $3 plus 0.08% of the purchase price to the Susan G. Komen foundation.
  • Get a 10% bonus when you redeem your rewards as a deposit into your Bank of America checking or savings account.
  • Preferred Rewards clients get an increased bonus of 25% to 75%.
  • The 3% and 2% cash-back rates have a combined quarterly spend total of $2,500, which may be limiting for big gas or grocery spenders.
  • Only purchases made within the first 90 days of opening this card’s account will directly benefit the Susan G. Komen foundation, and at 0.08%, the amount likely to be donated is very small.
  • When it’s time for annual card renewal, Bank of America will donate an additional $3 if you have a balance on your account. It makes more sense financially to not to carry a balance and donate $3 or more directly.

Fees and APR

  • Enjoy a 0% APR period for the first 12 billing cycles for purchases and any balance transfers made within 60 days of account opening. Following the introductory period, a standard variable APR of 15.24% – 25.24% will apply, there’s also a 3% balance transfer fee ($10 minimum).
  • You’ll pay no annual fee
  • There is a balance transfer fee of either $10 or 3% of the amount being transferred, whichever is greater.
  • After one late payment, a penalty APR may apply indefinitely and there’s a late payment fee of up to $38.
  • There’s a foreign transaction fee of 3% on all purchases made outside the U.S.

Extras, perks and using rewards

Cash-back rewards can be redeemed at any time in any amount as either a statement credit, deposited to your Bank of America bank account, or used to buy gift cards through Bank of America’s online shopping portal.

Bank of America clients receive a 10% bonus for depositing the cash-back rewards into their bank account. Preferred Rewards clients can get an even bigger bonus — ranging from 25% to 75% depending on your Preferred Rewards status.

You have to maintain a combined balance of at least $20,000 with either Bank of America, Merrill Lynch or Merrill Edge to get these increased rewards, but if you do, the cash-back rewards go from good to outstanding.

For example, if you have the highest status of Platinum Honors with Bank of America, which comes with a hefty $100,000 minimum account balance requirement, you can earn a bonus on your cash-back rewards of up 75%.

How this card compares

Chase Freedom Unlimited®
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Credit Needed


Regular APR

16.99% - 25.74% Variable

Annual Fee


Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfers Intro APR

0% Intro APR on Balance Transfers for 15 months

The Chase Freedom Unlimited is a solid, straightforward cash-back rewards card that’s ideal for cardholders who just don’t have the time or energy to track spending categories. It ranks among the very best cash-back credit cards we track.

There are other cards that offer better rewards, but the Chase Freedom Unlimited’s 1.5% cash-back on everything is an excellent reward coming from a no-annual-fee credit card.

If you also hold a premium travel rewards card from Chase like the Sapphire Preferred or Sapphire Reserve, you can transfer your rewards from the Freedom Unlimited to one of the premium cards to redeem for travel at an increased value.

Capital One® Quicksilver® Cash Rewards Credit Card
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Credit Needed

Excellent, Good

Regular APR

15.24% - 25.24% (Variable)

Annual Fee


Purchase Intro APR

0% intro on purchases for 15 months

Balance Transfers Intro APR

0% intro on balance transfers for 15 months

The Capital One Quicksilver Cash Rewards Credit Card is simple. And that’s a good thing.

The card’s rewards program is structured so you don’t have to think about whether this is the month that gas station spending pays more or that it’s time to take advantage of warehouse club spending. There’s also no annual fee, so you don’t have to do the math about how much you’ll have to spend to make the card worth it.

Citi® Double Cash Card
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed

Excellent, Good

Regular APR

15.74% - 25.74%* (Variable)

Annual Fee


Purchase Intro APR


Balance Transfers Intro APR

0% 18 months on Balance Transfers* until 01/2019

When it comes to rewards value, the Citi Double Cash Card ranks among the very best cash-back credit cards that charge no annual fee.

Longer-term, the Citi Double Cash Card may earn you more rewards. Earn an unlimited 1% cash back when you make a purchase and another 1% back when you pay for those purchases.


Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.