Customized Cash Rewards
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
18.74% - 28.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.
1% - 5.25% Cashback
Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.
$200
- Welcome Offer: Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.
- 3% Cashback in The Category of Your Choice: Gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement/furnishings. You can change the choice category once every calendar month.
- 2% Cashback at Grocery Stores and Wholesale Clubs.
- Limit on 3% and 2% Cashback: You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
- 1% Cashback on all other purchases.
- Annual Fee: None.
- 0% Intro APR on Purchases: For 15 months from account opening.
- 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
- Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
- Regular APR: After the introductory period, a variable APR of 18.74% - 28.74% applies to purchases and balance transfers.
- Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
- Preferred Rewards Program: Earn 25% - 75% more cashback on every purchase if you are a member of the Preferred Rewards® program. That means you could earn 3.75% to 5.25% cashback on the choice category, 2.50% to 3.50% cashback on grocery and wholesale clubs, and 1.25% to 1.75% cashback on all other purchases.
- Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless pay, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
- Click ‘Apply Now’ to see the full terms and conditions.