95,000 Points
Worth $950
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Sonesta
- 2%Airline
- 2%Dining
Annual Fee
$75
Rec. Credit
Good
Bank of America
MLB™
The MLB™ Mastercard is built for straightforward cash back without an annual fee, and it works best for someone who wants a simple card for light everyday spending. It is more of a basic general-use card than a card to center a rewards strategy around.
Welcome Offer
$200
Annual Fee
$0
Rec. Credit Score
Good
Good For
Simple cash back
All information about MLB™ has been collected independently by MaxRewards. MLB™ is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the MLB™ worth it?
This card is great for...
Everyday purchases
No annual fee spending
Small welcome bonus
This card is worth a look if your main goal is keeping things simple: no annual fee, a modest welcome bonus, and a flat 1% back on purchases. For someone who does not want to track bonus categories and just needs a basic card for occasional use, it gets the job done.
The tradeoff is that the ongoing rewards are limited. A flat 1% return is easy to understand, but many no-annual-fee cards offer more value for everyday spending. There are also no listed travel or lifestyle benefits to help this card stand out, and the 3% foreign transaction fee makes it a poor fit for international use. For most readers, this is a serviceable starter or backup card, not the strongest long-term everyday card.
MaxRewards Verdict
The MLB™ Mastercard fits someone who wants a no-fee card with very simple cash back and a modest upfront bonus. Its main limitation is that 1% back with no notable benefits is easy to outgrow.
Welcome Offer
$200
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
This card keeps rewards simple: you earn cash back at a flat 1% on purchases. That makes it easy to use, but it also means there are no stronger spending categories to lift your return.
CategoryRate
Choice
Jul 1 – Sep 30 · Up to $2,500 in spend
3%
Grocery
Jul 1 – Sep 30 · Up to $2,500 in spend
2%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
13.99% - 23.99%
Variable
Transfer APR
13.99% - 23.99%
Variable
Cash Advance APR
27.24%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$10
Cash Advance
$12
Late Payment
$40
Return Payment
$29
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Bank of America
See all 42 cards
80,000 Points
Worth $800
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 3%Alaska Air
- 3%Hawaiian Air
- 2%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
75,000 Points
Worth $750
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 2%Dining
- 2%Travel
- 1.5%Everywhere
Annual Fee
$550
Rec. Credit
Good