Rewards rates

1.5%

Earn unlimited 1.5% cash back on purchases.

Intro offer

Get a $500 online cash rewards bonus

Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.

Introductory purchases APR

0% Intro APR for 7 billing cycles for purchases

Ongoing purchases APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Ongoing balance transfer APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Ongoing cash advance APR

27.99% Variable APR for Cash Advances and Convenience Checks

Annual fee

$0

Recommended credit

More details

• $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
• Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
• No annual cap and cash rewards don’t expire as long as your account remains open.
• No annual fee.
• Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
• 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply.
• Contactless Cards - the security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.