No annual fee
NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
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 changing categories and no expiration on rewards
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
Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
Rates, fees & offers
$200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
0% on Purchases for 12 billing cycles and 0% on Balance Transfers for 12 billing cycles for balance transfers made in the first 60 days
APR: 15.24% - 25.24% Variable APR
Penalty APR: up to 29.99% APR
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Foreign Transaction Fee
Recommended credit score
Not sure which card is best for you?
The card itself offers 3% cash back on gas and 2% at grocery stores and wholesale clubs on up to $2,500 in combined gas/grocery/wholesale club spending per quarter. All other purchases earn 1%.
But Bank of America® checking or savings customers get a 10% bonus on redemptions, meaning your effective rates then rise to 3.3%, 2.2% and 1.1%, respectively. And if you have at least $20,000 in combined accounts at Bank of America®, Merrill Lynch or Merrill Edge, that allows you to join the Preferred Rewards program and earn bonuses of 25% to 75%.
The card’s annual fee is $0. For more information, visit our full review.
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