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MLB™ Cash Rewards Mastercard® Credit Card

Tom Broucksou
Updated on: 01/08/2019
RE®: 58
Our Rating
MLB™ Cash Rewards Mastercard® from Bank of America
Compare cash back cards
For excellent/good credit
  • 62
    for MLB™ users
  • 53
    for Cash Rewards
  • 60
    for Everyday use

"Earning 3.0 percent back on gas and 2.0 percent at grocery stores and wholesale clubs makes this a solid no-fee cashback card, even if you're not a baseball fan."

Are you a baseball fan? How would you like to have your favorite Major League team’s logo on your credit card? What if you could earn a lot of cash back with the card, too? The MLB Cash Rewards MasterCard from Bank of America is more than just baseball card; it’s a great cashback card by any measure.

To start, this card has no annual fee. You’ll never have to pay anything to carry the MLB card, which means that every penny you earn in cash back is a net profit for you. You’ll earn a chunk of change, too. Popular spending categories earn a nice bonus, including 3.0 percent back for gas and 2.0 percent back for groceries and at wholesale clubs.

More than that, you’ll get a quick $200 as a sign-up bonus. All you have to do to earn it is spend just $500 in the first 90 days after opening your account. That’s a good sign-up bonus for a no-fee card.

One of the strange things about this card, though, is that it doesn’t offer any specific MLB perks or benefits other than featuring your team’s logo. Most credit cards featuring professional sports teams, such as the NHL and NFL cards, offer some sort of discount on league merchandise or the ability to purchase special experiences with rewards. No such luck with this card.

Features and Benefits

This card has a lot to offer, even if you’re not a MLB super-fan. It starts with an easy-to-get sign-up bonus of $200. You have to spend just $500 on the card within three months of opening your account.

Next, you’ll earn more cash back quickly with some excellent bonus categories. You’ll get 3.0 percent back for gas, 2.0 percent back at grocery stores and wholesale clubs and 1.0 percent for all other purchases. Unfortunately, the bonus earning for gas, groceries and wholesale clubs is capped at $2,500 a quarter. After you hit that limit, you’ll get just 1 percent back for those purchases.

That sounds like a major drawback to this card, but if you think about, you could earn bonus returns on up to $10,000 a year. If, for example, that’s $5,000 of spending in each category, you’d get a total of $250 back a year. And that doesn’t count all of the non-bonus earning you’ll be doing. That’s not bad, particularly for a card that costs nothing to hold.

What You Get

  • New Offer: $200 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 15.24% - 25.24% variable APR. 3% fee (min $10) applies to balance transfers

You can decide when and how you want your cash back, but you have to redeem at least $25 worth of rewards. You can either receive a check or get it deposited directly into your bank account. If you have a Bank of America checking account, you’ll get an easy 10 percent bonus for choosing to get your rewards as a direct deposit.

0% Financing

You’ll get interest-free financing for 12 months with the MLB MasterCard. That 0% APR applies to both new purchases and any balance transfers that take place within the first 60 days after account opening.

If you’re thinking about making a big purchase, this card is a great option. Not only will you be able to pay off the item over a year without accruing interest, but you’ll also earn cashback rewards for the purchase.

This card could also be a good choice if you need to pay down some existing debt. You can save a ton of cash by avoiding interest charges on large balances. It’s important to note that transferring those balances to this card won’t be free. You’ll be charged either $10 or 3 percent of the amount transferred, whichever is greater. However, those fees are likely nowhere near as much as you’d be paying in interest if you didn’t move your balance.

Customer Perks

While you won’t get any baseball-related perks with this card, such as discounts on merchandise or special financing on tickets, you will earn extra cash back if you have a Bank of America checking or savings account or an investment account with Merrill Lynch or Merrill Edge.

If you get your cash rewards deposited directly into your Bank of America checking or savings account, you’ll get an automatic 10 percent bonus. That means that every $25 you earn in cash back will net you $27.50.

You can get even more, though, if you’re a Preferred Rewards customer. Depending on the amount of money you have in your Bank of America, Merrill Lynch or Merrill Edge accounts, you can get up to a 75 percent bonus.

If you have a combined balance of $25,000 to $49,999 in your BoA and Merrill accounts, you’ll get a 25 percent bonus; a combined balance of $50,000 to $99,000 gets a 50 percent bonus; and a balance in excess of $100,000 gets a whopping 75 percent bonus. With that max bonus, every $100 in cash back that you earn will become $175.

If you spend $5,000 on gas in a year, you’d get $150 back if you didn’t have a BoA or Merrill account. That becomes $165 just for getting your cash back as a direct deposit into a BoA account. If you have major investments with BoA and Merrill, thus maxing out the Preferred Rewards bonus, you’d get an impressive $262.50 for that same $5,000 in gas purchases. That’s an amazing 8.75 percent return.

Should You Get the MLB Cash Rewards MasterCard?

Never mind that the MLB Cash Rewards MasterCard is associated with baseball. It’s a solid cashback card by any measure.

You’ll get great returns on gas, groceries and at wholesale clubs, like Costco and Sam’s Club. Fuel purchases earn 3.0 percent cash back, which is about as good as you’ll get with a rewards credit card, plus you’ll get 2.0 percent back at grocery and wholesale stores. While those bonuses are capped to $2,500 in purchases per quarter, I suspect most people won’t hit that limit unless they’re doing some extensive traveling by car or a lot of bulk shopping.

You’ll also get 0% APR on new purchases, which is a nice perk if you’re planning a big purchase soon, and interest-free financing on balance transfers. While you’ll still have to pay transfer fees of either $10 or 3 percent of the balance, whichever’s greater, you can save a bundle on interest while you pay down any outstanding doubt you may have. The promotional APR rates are good for the first year that you have the MLB card, though balance transfers must be made within the first two months in order to qualify.

The MLB MasterCard is also free to hold. You’ll never have to pay an annual fee, which means you can keep the card as long as you want. That’s great news for building up your credit history. The $200 sign-up bonus is just free cash in your pocket. The low minimum spend is only $500 in three months. No matter what your budget, you should be able to hit that mark.

Bank of America and Merrill checking, savings or investment accountholders have even more reason to get the MLB card. They’ll get anywhere from a 10 to 75 percent bonus on their cash back. That can add up fast, particularly if you have sizable investments with the bank.

The only tie-in to baseball is that you can get any MLB team logo on your card. Hardcore fans might be disappointed that there are no special perks or benefits specifically related to Major League Baseball, but you’ll still be able to show off your team spirit and get all the benefits of a great cashback credit card.


Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • Does the MLB MasterCard have a foreign transaction fee?

    Yes. You’ll be charged 3 percent of the transaction amount for any purchase made in a foreign currency or processed outside of the United States. That may not sound like much, but it can add up quickly.
    If you plan to use a credit card while traveling abroad, I suggest finding a different card. There are a lot of cards that charge nothing for foreign transactions. Capital One® Quicksilver® Cash Rewards Credit Card, for instance, has no foreign transaction fees, no annual fee and offers a fixed 1.5 percent back on every purchase.
  • What kind of credit do I need in order to be approved for the MLB Cash Rewards card?

    Most successful applicants report that they have good or excellent credit. That’s a credit score of 690 or higher. Of course, having that score does not guarantee approval, nor will you necessarily be denied with a lesser score. Bank of America will consider your entire application before making a decision.
    However, we recommend that you have at least a 690 before applying. BoA will do a hard pull on your credit report when you apply, thus hurting your score if you don’t get the card. Try to build up your score before applying.
  • What interest rate comes with the MLB MasterCard?

    The MLB card has an introductory 0% APR for both purchases and balance transfers for 12 billing cycles. After the first year, that will go up to the standard rates of between 13.99 and 23.99 percent, depending on your creditworthiness.
    Note that balance transfers must take place within 60 days of account opening in order to qualify for the promotional rate. All balance transfers, no matter when they occur, are subject to transfer fees. You’ll be charged either $10 or 3 percent of transfer balance, whichever’s bigger.
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Compare Cards

While Bank of America offers a variety of cashback cards as part of their cash rewards program, they are all very similar.

MLB™ Cash Rewards Mastercard® from Bank of America
For Excellent/Good Credit
Check which Bank of America card is the right fit for you
Compare cash back cards

Other Bank of America Cashback cards

World Wildlife Fund Credit CardWorld Wildlife Fund Credit CardBank of America® Cash Rewards Credit CardBank of America® Cash Rewards Credit Card
Sign-up bonus$150$200$150$150
Annual Fee





APR On Purchases14.49% to 24.49% Variable±15.24% - 25.24% Variable APR on purchases and balance transfers14.49% to 24.49% Variable±16.24% to 26.24% Variable APR on purchases and balance transfers
Foreign Fee3%3%3%3%
Bonus Value$150$200$150$150
Second Year Value$240$240$240$240

All of Bank of America’s cashback cards are, in fact, just a slight variation on their standard BankAmericard Cash Rewards Visa Signature. The MLB, World Wildlife Fund, U.S. Pride and Bank Americard Cash Rewards cards all have no annual fee and offer 3.0 percent cash back on gas, 2.0 percent back at grocery stores and wholesale clubs and 1.0 percent back for all other purchases.

The sign-up bonuses, which are $150 after spending $500 in three months, are exactly the same, too. And let’s not forget the introductory 0% APR offer on balance transfers and purchases. Those terms are also the same for all of the cards. Balance transfers must take place within the first 60 days of account opening and are subject to a transfer fee of $10 or 3 percent, whichever’s greatest, and the interest-free period for either transfers or purchases is 12 billing cycles.

You might be wondering how these cards are different. Well, it’s largely aesthetic. The MLB card comes with an image of your favorite baseball team. The U.S. Pride card has an eagle and an American flag to show off your patriotism. And the BankAmericard Cash Rewards card has sports a Bank of America design.

The World Wildlife Fund card is slightly different, though. Not only does it come with an image of an animal and the WWF logo, but BoA actually makes donations to the fund. For each new account that’s opened, and on each card renewal, they’ll give $3. They’ll also donate .08 percent of all net retail purchases made on the card. That’s not a huge donation, but you don’t lose anything by getting this card instead of one of the other Bank of America cashback cards. So why not do a little good?

Some Alternative Cashback Cards

Bank of America is not the only issuer of cashback credit cards. There are a lot of options out there. Let’s take a look at a few from other issuers.

$200 offer
MLB™ Cash Rewards Mastercard® from Bank of America

Check if MLB™ Cash Rewards Mastercard® from Bank of America is the best option for you

Best Cashback Card

The best cashback card for you really depends on your spending habits. The MLB MasterCard offers some great bonus categories, but what if you spend more on groceries than gas? Then you might be better off with the Blue Cash Everyday card from American Express.

Blue Cash offers 3.0 percent back at supermarkets on up to $6,000 in spending a year. You’ll also get 2.0 percent back at gas stations and select department stores. The card has the same $150 sign-up bonus as the MLB card, but you’ll have to spend slightly more to get. You’ll have to make $1,000 in purchases on the card within three months. There is no annual fee.

All of that is comparable to the MLB card, making the Blue Cash a slightly better choice for those who spend more on food than fuel.

Best Card With a Fixed Rate of Return

If you’d rather not bother with bonus categories, or maybe your spending isn’t focused on a few specific types of purchases, you might consider getting a card with a fixed rate of return. The Quicksilver card from Capital One gives you 1.5 percent back on all purchases. There are no limits, caps or categories to worry about. Every purchase earns a bonus.

It has no annual fee and offers the same sign-up bonus as the MLB card, including the $500 minimum spending requirement.

Best Rotating Category Card

It may be a little more hassle, but you could actually earn more with a card that has quarterly rotating bonus categories. The Discover it card earn 5 percent back for certain categories of purchases that change ever quarter of the year. Those categories are often for popular types of purchases, such as gas, wholesale clubs, groceries, dining out and even Amazon shopping.

In lieu of a sign-up bonus, Discover offers the Cashback Match. This can be even more valuable than a standard sign-up bonus. At the end of the first year as a cardholder, Discover will match all of the cash back you’ve earned, with no limits. So if you earn more than $150 in cash back, you’ll come out ahead compared to the sign-up bonuses offered by the other cards on our list.

You’d earn $150 in cash back after spending just $3,000 in the rotating bonus categories. That shouldn’t be hard to do. And if you spend $6,000 throughout the year, you’ll get a $300 bonus, for a total of $600 cash back. That’s a 10 percent return in bonus categories. Other purchases would essentially earn 2 percent back for the first year, too.

If you truly wanted to maximize your returns, you could get a rotating category card, like Discover it, but only use it for purchases that fall into the 5 percent bonus category. Then you could get a second card, like the Quicksilver, to use on all other purchases. That way every dollar you spend would earn a bonus.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details
Good credit score
From 700 to 749
Bank of AmericaBank of America
Rewards Currency

Card Terms and Conditions

While it's easy to focus on the benefits of the MLB Cash Rewards card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Mastercard.


Intro APR:
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account
Intro APR for balance transfers:
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account
Ongoing APR:
15.24% - 25.24% Variable APR on purchases and balance transfers
Minimum Grace Period:
25 days

Cash Advance Features

Ongoing APR:
18.24% to 27.24%, based on your creditworthiness when you open your account, for Direct Deposit and Check Cash Advances, and 26.49% for Bank Cash Advances
Cash Advance Fee:
Direct Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater. ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater

Security and Protections

The MLB MasterCard comes with all of the standard security features offered by Bank of America.

$0 Liability:
You’ll never have to pay for fraudulent transactions charged to your account.
Boost your online shopping security with the complimentary ShopSafe service. It will generate a temporary card number so your real card remains completely private.
Chip Cards:
Chip technology offers enhanced security and protection when making purchases from chip-enabled terminals.
Account Alerts:
Set up alerts via email or text so you can keep on top of payments and watch for suspicious activities on your account.
Free FICO Score:
Keep an eye on your credit with a free FICO score that’s updated monthly.
Digital Wallet Technology:
Use Apple Pay, Android Pay or Samsung Pay with your MLB card and transactions will be more convenient and safe.

Mobile Banking

Keep track of your accounts while you’re on the go with Bank of America’s award-winning online and mobile banking options.

Additional Cardholder Benefits

Since the MLB card is issued as a MasterCard it comes with a few additional benefits.

Master Card Travel Benefits

Auto Rental Collision Damage Waiver:
Coverage for theft and collision for most rentals in the U.S. and abroad. Coverage is secondary to your personal insurance.
Roadside Dispatch:
Get roadside assistance whenever you need it, including lockout service, towing, jumpstart and gas delivery. Service charges apply.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.