Tag Archives: Bank of America

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Tracking Down a Missing $50 Bank of America Business Credit Card Retention Offer

Good morning everyone, I hope your weekend is going well.  On October 31, I called Bank of America about my Bank of America Business Advantage Unlimited Cash Rewards (UCR) Credit Card and told the rep I wanted to close the credit card because I wasn’t using it anymore.  The rep offered me a $50 retention offer with no spend if I kept the credit card open and I said yes.  Fast forward to December 7, I still had not seen the $50 retention offer, which I assumed would show up as a $50 statement credit.  As part of my daily routine, I check my Bank of America app and did not see any credits show up on my UCR.  When I called Bank of America to inquire about the status of my $50 retention offer, the rep put me on hold for a few minutes to read the notes and see what happened.  When the rep returned, I was told that the $50 retention offer was put into my Cash Rewards.  I never thought to check there.  In this post, I will show you where to go to find the retention offer in the Cash Rewards and the various redemption options.

To get started, sign into your Bank of America account (either online or via the app), select your business credit card account, and then select the corporate account.

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Which Credit & Debit Cards are in my Wallet, ApplePay Wallet, and Travel Wallet? (August 2023)

Good morning everyone.  We all know the classic Capital One line, “What’s in your wallet?” (spoiler alert: no Capital One Credit Cards are currently in my real wallet), but I thought it would be fun to do this type of post monthly or every other month, depending on which credit cards I am currently using.  At last count, I currently have 40+ personal and business credit cards, but I don’t carry or use every credit card every month.  I treat my credit cards like tools in a tool box, each credit card has a specific use and no credit card is perfect for every situation.  I also have 3 “wallets” for my credit cards: the physical cards that I carry with me in my iPhone case, the credit and debit cards in my ApplePay Wallet, and the credit cards in my travel wallet (aka backpack) that I use when I travel.  I will go through my 3 “wallets”, but the cards in my ApplePay Wallet and travel wallet (aka backpack) don’t change very often.

Credit Cards in my iPhone Case / Wallet

Last week, I was approved for the Chase Ink Business Preferred Credit Card that currently offers a sign up bonus of 100,000 Chase Ultimate Rewards Points after spending $8,000 in 3 months.  I am meeting the minimum spend on this credit card by paying for a few home improvement projections, car insurance, and any other large purchase that will get me closer to my $8,000 minimum spending requirement.  I don’t have immediate plans for these 100K Chase Ultimate Rewards Points, but I can always use more Chase Ultimate Rewards Points.

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Goodbye Better Balance Rewards, Hello Bank of America Unlimited Cash Rewards MasterCard and Visa Credit Cards (Card Art Images)

Good afternoon everyone, I hope your week is going well.  A few weeks ago, I wrote about the Targeted: $200 Bonus for Bank of America Better Balance Rewards Credit Cards Converting to Unlimited Cash Rewards.  Last week, I wrote How to Redeem Bank of America Unlimited Cash Rewards Credit Card $200 Bonus for Statement Credit. I thought that I would do one more post about my beloved Better Balance Rewards (BBR) credit cards before I put them through the shredder.  I didn’t realize until now, but on the back side of the BBR credit cards, it says “Cardholder Since” with a 15 on the MasterCard and a 17 on Visa.  I will assume Bank of America means 2015 and 2017, since I haven’t had these cards since I was 15 years old or 17 years old.

I did some rough math and calculated that I have had these credit cards for about 60 quarters total from the time I received them / converted to them and now.  Since I have a linked Bank of America checking account, I received a $30 quarterly bonus each quarter when I pay my bill in full and on time.  60 quarters x $30 = $1,800 in cash back.  Now I understand why Bank of America had to kill these cards, they were probably losing hundreds of thousands of dollars per year without generating much income.  RIP BBR credit cards, you will be missed.

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How to Redeem Bank of America Unlimited Cash Rewards Credit Card $200 Bonus for Statement Credit

Good morning everyone, happy Friday!  A few weeks ago, I wrote Targeted: $200 Bonus for Bank of America Better Balance Rewards Credit Cards Converting to Unlimited Cash Rewards.  In that post, I talked about the targeted $200 bonus for the Bank of America Unlimited Cash Rewards Credit Card.  In this post, I will show you how to redeem the $200 bonus as a statement credit.  But first, here is the front and back of the credit card.  It is very simple and clean with various shades of gray.  This credit cards earns unlimited 1.5% cash back on all purchases and has no annual fee.

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Zelle’s Parent Company (Early Warning Services) Launching New Paze Digital Wallet Service

Updated at 10:30am PT on 6/8/23: Here is a Chase Paze FAQ page and a US Bank Digital Services Agreement page (scroll down to “Using Paze”).


Good afternoon everyone.  I went down a deep rabbit hole that started with an email from Wells Fargo and ended with me finding details of Paze – a new digital wallet service from Zelle’s parent company (Early Warning Services).  Follow me down the rabbit hole as I explain more about Paze.  The journey began when I received this email from Wells Fargo about updates to the Online Access Agreement.  I clicked the link to view the Summary of Changes to see if there was anything noteworthy.

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