If you’ve been sitting on the fence about a new Bank of America credit card, today might be the nudge you needed. Rakuten just added Bank of America cards to its cash-back shopping portal — and as of June 22, 2026, the bonus offer is back at some of the highest levels ever recorded.
What’s the Deal?
Right now, Rakuten is offering sign-up bonuses on two Bank of America cards through its portal:
- Bank of America Cash Rewards card: up to $275 — matching its all-time highest bonus ever, according to Doctor of Credit
- Bank of America Travel Rewards card: up to $175 — close to an all-time high for that card
The key here: these bonuses are only available when you apply through Rakuten’s portal. Go directly to BofA’s website and you’ll miss out.
Who Is This Best For?
This deal is a natural fit for a few types of people:
Bank of America banking customers who don’t yet have a rewards card with them. If your checking or savings account is already at BofA, adding a rewards card deepens that relationship and keeps your finances consolidated.
Summer travelers and families planning a vacation before school starts. The Travel Rewards card’s near-record $175 bonus helps offset flights, hotels, or road trip costs — no complicated points redemption required.
Everyday cash-back shoppers who want simplicity. The Cash Rewards card at $275 is one of the strongest flat-dollar sign-up bonuses you’ll find right now — especially with back-to-school spending season ramping up.
Prime Day planners — Amazon Prime Day 2026 is approaching fast, and applying now means your new card could arrive in time to earn cash back on a major shopping haul. (See our guide to maximizing your card on Prime Day for more on stacking rewards.)
One Caveat: The Double-Portal Step
The friction point here is real: you have to initiate your application through Rakuten’s portal, not Bank of America’s website directly. That extra click trips people up more than you’d think. To protect your bonus:
- Start by clicking through Rakuten’s portal link
- Don’t close the browser or switch tabs mid-application
- Confirm the offer is displayed before you hit submit
Skipping or breaking that click chain means the bonus won’t track — and Bank of America won’t retroactively apply it.
How Long Will This Last?
Doctor of Credit flagged the update specifically because the Cash Rewards $275 offer “matches the highest ever” — that’s not a phrase they use lightly. Historically, these elevated portal bonuses tend to drop back down within days or a week or two when banks reallocate their marketing budgets. There’s no guaranteed end date listed, but treating this as time-sensitive is the right call.
The Bottom Line
If you’re in the market for a new rewards card, this is about as good as it gets for a Bank of America product right now. The Cash Rewards card is the standout at its all-time high bonus, but the Travel Rewards card at near-record levels is the better pick if you have a summer trip on the calendar. Just make sure you go through Rakuten — that one step is the whole ballgame.
Head to Rakuten’s portal today and lock in the offer before it steps back down.