Major League Baseball Credit Card Review

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Card Details

• Earn 1% cash back on every purchase
• Earn 2% cash back at grocery stores and 3% cash back on gas for the first $2,500 of combined purchases each quarter
• $0 annual fee
• Redeem cash back into a Bank of America checking or savings account for a 10% bonus
• Show support for your favorite team in the MLB
• Overdraft protection for your linked Bank of America checking account
• Access your FICO score free each month

APR

• 15.24% – 25.24%
• Cash advance variable APR: 18.24% – 27.24%
• Penalty APR: Up to 29.99%

Pros

• Higher cash back amount for everyday purchases like groceries and gas purchases without the need to worry about rotating categories
• $0 annual fee
• Introductory APR upon account opening on purchases and balance transfers
• Cashback bonus when you have the money deposited into a Bank of America account

Cons

• Rewards cap on groceries and gas earnings
• Comes with foreign transaction fees
• Even though it’s an MLB-branded card, it doesn’t come with specific MLB perks
• Penalty fee could be triggered by a single late payment

Bonus Rewards 

The Bank of America MLB credit card comes with a $200 cash customer bonus if you spend $500 in the first 90 days of account opening. 

Rewards Points 

You can earn 1% cash back on all your purchases with this cash rewards Mastercard. However, for groceries and gas, you earn 2% and 3% back respectively, on up to a combined $2,500 of purchases each quarter.

Intro APR

You can receive 0% for 12 billing cycles on purchases, as well as any balance transfers made within 60 days of opening your account.

Recommended Credit Score 

Your chances of being approved improve when your credit is good to excellent.

If you like Major League Baseball and want to show support for your team, the Bank of America MLB credit card might the right fit for you. Plus, it comes with cash back perks, including higher cash back amounts on grocery and gas spending — without the need to worry about rotating categories.

You can get extra benefits including a signing bonus of $200, an introductory APR of 0%, and free access to your FICO score. Read on to find out more about how it works, and to decide if the Bank of America Major League Baseball credit card is right for you.

Benefits of the Major League Baseball Credit Card

Perhaps the biggest benefit of the MLB credit card from Bank of America is the fact that it offers you a higher cash back percentage when you buy groceries and gas. These are everyday purchases that are often part of your regular budget, so getting a boost from that spending, on top of the standard 1% cash back reward, is a nice touch.

It’s also great that you can get a 10% cash back bonus if you have your rewards deposited into a Bank of America checking or savings account. If you’re looking to get the most out of your rewards, or if you want a little bonus to save a little extra money toward a specific goal, this feature can be a big help.

There are special 0% APR offers right now, and a $200 signing bonus and you don’t ever have to worry about paying an annual fee.

You can access your FICO score each month when you have this credit card, so it’s easy to keep tabs on what’s happening with your credit situation. Plus, you can stay on top of your checking account with automatic overdraft protection for a linked Bank of America checking account.

Other perks of this card include:

• Online shopping security
• Fraud liability protection
• Chip cards
• Digital wallet
• Account alerts
• Text banking

If you have Bank of America accounts, integrating your credit card into it can provide you with helpful services and bonuses.

Downsides of the Major League Baseball Credit Card

Unfortunately, the higher cash back rewards for groceries and gas come with a cap. Each quarter, you’ll only earn the higher rewards on the first $2,500 you spend. Once you spend $2,500 on groceries and gas, those purchases will only net you 1% cash back until a new quarter starts.

Another downside is the fact that there are no specific MLB perks that come with the card. You can have your team’s preferred logo displayed and it’s a fun way to show your support, but you won’t get anything special like access to unique experiences or chances to meet your favorite players.

Finally, the fees and interest rates can add up if you’re not careful. The Bank of America MLB credit card has a foreign transaction fee, and you could also get stuck with penalty fees and your first late payment could result in the penalty APR of 29.99%.

How it Compares to Similar Cards

The Bank of America MLB credit card is a fairly standard cash back credit card. It offers some tiered rewards and it comes without an annual fee. Plus, it has the standard benefits and perks that many people come to expect, including shopping protection, credit score access, and account management tools.

However, if you’re looking for something that doesn’t come with rewards caps, the Citi Double Cash Card basically gives you 2% cash back — 1% when you spend and another 1% when you pay your balance.

For frequent travelers, getting a card with no foreign transaction fee, like some of the no-annual-fee cards offered by Capital One and American Express, can be a better deal. You still earn cash back, but you don’t have to worry about foreign transaction fees while traveling abroad.

Bottom Line

If you’re looking for a solid cash back rewards card that offers a little extra for spending on groceries and gas, the Bank of America MLB credit card is a good bet. You don’t have to worry about annual fees, and you can get a bit of a rewards program bonus when you spend on everyday purchases and have your rewards deposited in a connected checking or savings account. It’s also good if you’re a fan of a specific baseball team in the United States. 

For more bells and whistles, and more tailored rewards, though, you might want to consider another card. Check out our Best Credit Cards page to compare options. Or, for other store cards, check out which cards are the most popular store credit cards.