Stack Up to $275 Extra with Rakuten's New Bank of America Card Offers

If you've been eyeing a Bank of America credit card, now's the time to jump. Rakuten has rolled out a sweet deal where you can score an extra bonus—up to $275—just by applying through their shopping portal. And the best part? This stacks right on top of the card's own sign-up bonus. Let's break down what's on the table and how to make it work for you.

What's the Deal, Exactly?

Rakuten, the cash-back portal we all love, has added Bank of America cards to its lineup. Depending on which card you pick, you can grab up to $200 extra on the Customized Cash Rewards or up to $275 on the Travel Rewards card. These numbers have been bouncing around since April 2026, and as of late June, they're sitting near all-time highs. The Travel Rewards bonus once hit $300, so this is still a solid offer.

Here's the kicker: this bonus is on top of the card's own welcome offer. So if you go for the Customized Cash Rewards, you're looking at $200 from Rakuten plus the standard $200 statement credit and boosted cash back in year one. That's a hefty stack.

• Customized Cash Rewards: Rakuten bonus up to $200 + standard $200 sign-up bonus + boosted first-year cash back
• Travel Rewards: Rakuten bonus up to $275 + standard 25,000 points after $1,000 spend

A Few Things to Watch Out For

First, if you've set your Rakuten account to earn Membership Rewards points instead of cash back, you're out of luck. The offer shows $0 for those users. So double-check your settings before applying.

Also, remember that portal bonuses can change quickly. The amounts have fluctuated over the past few months, so if you see a number you like, don't wait too long. And while Rakuten has negotiated this directly with Bank of America (bypassing typical restrictions), it's still a limited-time thing.

Lastly, new to Rakuten? You can grab a $50 referral bonus when you sign up through a friend's link. That's on top of everything else.

How Does This Compare to Other Portal Offers?

Rakuten did something similar with Chase cards not long ago, offering up to $300 or 30,000 points extra. That started small and grew over time, so it's possible these BofA bonuses could climb even higher. But with the current numbers already near record highs, I wouldn't bet on a huge jump.

For context, affiliate partners sometimes earn over $500 per approved applicant, but those deals aren't usually passed on to consumers. Rakuten's ability to negotiate this with BofA is a big win for regular folks like us.

Bottom Line

• Stack Rakuten's bonus with the card's own sign-up offer for maximum value.
• Check your Rakuten cash-back settings—Membership Rewards users won't see this bonus.
• Offers are volatile; grab them while they're near all-time highs.
• New Rakuten users can add a $50 referral bonus on top.

Common Questions