Famous Footwear Credit vs. Bank of America® Customized Cash Rewards

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Famous Footwear Credit Card Famous Footwear Credit Card Bank of America<sup>®</sup> Customized Cash Rewards Card Bank of America® Customized Cash Rewards Card
7.9MyCreditCardLab Score

MyCreditCardLab Score 7.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
7
Regular APR
7
Rewards
9
Benefits
8.8
Welcome Bonus
7.8
Recommended Credit Score: 9.3
Foreign Transaction Fee: 10
Cash Advance Fee: 5
Balance Transfer Fee: 5
8.7MyCreditCardLab Score

MyCreditCardLab Score 8.7

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.5
Regular APR
7
Rewards
7.8
Benefits
9
Welcome Bonus
10
Recommended Credit Score: 8
Foreign Transaction Fee: 8
Cash Advance Fee: 8.6
Balance Transfer Fee: 9.4
ANNUAL FEE
$0 $0
INTRO APR
No intro offer available and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
REGULAR APR
35.24% Variable APR 18.24% - 28.24% Variable APR on purchases
PROS
  • Qualify with fair credit
  • No membership fees
  • $10 initial rewards bonus
  • Free FICO® Score access
  • Low intro APR on balance transfers
  • Competitive cash-back reward rates
  • Solid welcome bonus
CONS
  • High regular APR
  • No Foreign Transaction fee
  • Spending caps on rewards
  • Spending caps on rewards
  • Balance transfer fee
  • High regular APR
  • 3% Foreign fee
  • While the $200 bonus offer may seem less competitive, it's a valuable incentive for new cardholders to kickstart cash back earnings.
WELCOME BONUS
Get $10 off your first card purchase when opening and using your Credit Card account. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
REWARDS
Famous Footwear Credit Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • Earn 1 point per $1 spent. Members earn $5 Reward Cash for every 100 points — up to $250 a year.
  • Get $10 off your first card purchase. This happens when you open and use your Credit Card account.
  • Star Members who are eligible get $5 Reward Cash. It is valid for their birthday month.
  • Rewards members can get 2X points for every dollar spent on all purchases. This is during your birthday month.
Bank of America® Customized Cash Rewards Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • Enjoy 3% cash back on a category of choice including gas, online shopping, dining, travel, drug stores, or home improvements.
  • Earn 2% cash back on grocery store and wholesale club purchases, maximizing savings on everyday essentials and bulk items.
  • Get up to $2,500 combined spend limit on 2% and 3% categories each quarter
  • 1% cash back on other purchases.
BENEFITS
STAR benefits - The STAR benefits scheme is for Famous Footwear. It is their lower reward level. It offers you $5 in Reward Cash for every 100 points you spend at Famous Footwear. That said, this only counts up to a maximum of $75 in rewards points per transaction. Birthday month - Members can receive 2X points per dollar spent on all purchases. This is during your birthday month. Superstar membership - Members who spend $200 or more over 12 months will get Superstar membership. Superstar membership will receive 1.5 points instead of 1 point for every $1 in purchases SUPERSTAR benefits - Famous Footwear’s SUPERSTAR benefits scheme is a higher rewards tier. You can unlock it by spending $200 in a year. SUPERSTAR members get 1.5 points for every $1 in purchases. They also get free shipping and $10 in Reward Cash on your birthday. Free Shipping - No minimum on all orders online and from your store — just for members Cash Back Rewards - Earn 3% cash back on everyday purchases. You get bonuses for gas. You also get them for shopping online, dining, travel, drug stores, and home improvements. No Annual Fee - Enjoy the card's benefits. You won't pay an annual fee. This makes it a cost-effective choice for student cardholders. Flexible Redemption - Redeem cash back rewards as a statement credit, deposit into a Bank of America® checking or savings account, or use it for purchases. Introductory Offer - Enjoy a $200 online cash rewards bonus after spending $1,000 in the first 90 days, providing a rewarding start. Category Spend Limit - Benefit from a combined spend limit of $2,500 on 2% and 3% categories each quarter, maximizing rewards potential.
CASH ADVANCE FEE / APR
Cash advance Not Allowed For Direct Deposit and Check Cash Advances, you'll incur a $10 fee or 3% of the transaction amount. You pay whichever is greater. The fee for ATM, Over-the-Counter, Same-Day Online, and Cash Equivalent Cash Advances is $10 or 5% of the transaction amount. It's whichever is greater. Overdraft Protection Cash Advances come with a $12 fee per transaction.
BALANCE TRANSFER FEE
Balance Transfers Not Allowed 3% intro APR on Balance Transfers for 2 months, and then 4%
RECOMMENDED CREDIT SCORE
600 - 850 (Poor - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
$0 3%
BEST FOR
  • Students
  • Health and Wellness
  • Sports and Fitness
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • U.S. Supermarket Spending
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