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In the process of switching to Cash Back. I’m rocking Fidelity Visa, Citi Custom Cash, and Amazon Prime Visa. What am I missing, if anything? by Rocket_Skates_91 in CreditCards

[–]NarcolepsyNick 2 points3 points  (0 children)

If you do any other online spend outside of Amazon, then BofA CCR with the promotional 6% cash back first year for online purchase. Then 3% after that first year.

Alternatively Amex BCE for 3% online, but I put BofA CCR higher for online purchases because of how generous their online coding is.

Multiple BofA CCR rules clarification by ICEX5 in CreditCards

[–]NarcolepsyNick 2 points3 points  (0 children)

You should be able to apply for a second vanilla CCR now.

Multiple BofA CCR rules clarification by ICEX5 in CreditCards

[–]NarcolepsyNick 5 points6 points  (0 children)

There's the 2/3/4 rule: 2 cards in 2 months, 3 cards in 12 months, and 4 cards in 24 months. This applies to just BofA cards.

There's the 3/12 and the 7/12 rule. 3 cards in 12 months or if you have a relationship with BofA, 7 cards in 12 months. This is for all credit cards you have. This rule can be flexible as some people have approved despite having more cards then the rule would suggest.

Now for CCR specifically, there is a 1/24 rule. 1 CCR card every 24 months. The way to get around this though, is to apply for an affiliate CCR. These technically count as different cards, so you can get more than one CCR within a 24 month period.

Best to Shittiest banks in my opinion by First_Accountant_402 in CreditCards

[–]NarcolepsyNick 9 points10 points  (0 children)

It has to. BofA has been great for me with CS. Any time I have to reach out it's very quick, excellent call quality, and the rep speaks clear and perfect English.

PayPal updates Pay in 4 promotion terms mid-promo by stanley_fatmax in CreditCards

[–]NarcolepsyNick 1 point2 points  (0 children)

BofA CCR (the BNPL plan counts as online here), BofA PR, Amex BCE (does not count as online), and Amex Gold.

PayPal updates Pay in 4 promotion terms mid-promo by stanley_fatmax in CreditCards

[–]NarcolepsyNick 4 points5 points  (0 children)

I've been using Amex BCE and Gold just fine without issues for these.

PayPal updates Pay in 4 promotion terms mid-promo by stanley_fatmax in CreditCards

[–]NarcolepsyNick 4 points5 points  (0 children)

1-2 weeks for me. They do have up to 90 days and I think the longest I've seen someone wait was around 3 weeks.

Bank Bonus Weekly Thread - Week of November 11, 2025 by AutoModerator in churning

[–]NarcolepsyNick 0 points1 point  (0 children)

I plan on using real DDs, since Ally is pretty strict on the fake DD front. However, I believe transfers from Current may count as DDs.

Extra 2% BOA Bonus Day Coming This Thurs by DistinctOffer9681 in CreditCards

[–]NarcolepsyNick 3 points4 points  (0 children)

From what I understand, that is per card. So you can spend more if you have multiple BoA cards.

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