/CASHBACK

Bank of America cardholders can score a $175 statement credit by spending $1,500 within 90 days through the close-card flow in the app or online chat. That's an 11.67% return before normal earnings, which on a Customized Cash card with the 3% online category pushes it to 14.67%. BofA appears to allow one retention offer per cardholder at a time, so target your most valuable card first. The process gives clear warnings before closing, so there's low risk of accidental cancellation.

The Chase Offer for Marriott Bonvoy returns 10% cashback on US property stays, but the math caps the win: $50 back on exactly $500 in eligible spend, with a $100 minimum. That's a 10% discount on any direct Marriott stay within that band, with the statement credit applied to the first qualifying transaction. It's one-time only, valid through August 31, 2026, and excludes gift cards and points purchases, so put a real paid stay on your Chase card. The effective yield is simply 10% off a US Marriott stay, not a bonus-points play.