| Category | Rate | Type | Cap |
|---|---|---|---|
|
Choice Category (First Year Promotional Rate)
Earn 6% cash back in one eligible Choice Category (Gas & EV Charging Stations, Online Shopping/Cable/Internet/Phone Plans/Streaming, Dining, Travel, Drug Stores/Pharmacies, or Home Improvement/Furnishings) for the first 365 days from account opening, subject to a $2,500 combined quarterly spending cap across the 3% and 2% bonus categories; reverts to 3% after the first year.
|
6x | Cash Back | $10,000/yr |
|
Choice Category (Ongoing Rate After Year 1)
Earn 3% cash back in one eligible Choice Category after the first-year promotional period ends; category can be changed up to once per month; subject to a $2,500 combined quarterly spending cap across the 3% and 2% bonus categories.
|
3x | Cash Back | $10,000/yr |
|
Grocery Stores and Wholesale Clubs
Earn 2% cash back at grocery stores and wholesale clubs, subject to the $2,500 combined quarterly spending cap across the 3% and 2% bonus categories; after the cap is reached, purchases earn 1% until the start of the next calendar quarter.
|
2x | Cash Back | $10,000/yr |
|
All Other Purchases
Earn unlimited 1% cash back on all purchases not covered by the 3%/6% or 2% bonus categories, and on all purchases once the $2,500 quarterly combined spending cap is reached.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Balance Transfers
0% introductory APR on balance transfers made within the first 60 days of account opening for 15 billing cycles; balance transfer fee applies; the variable ongoing APR applies after the introductory period ends.
|
Financial | 0% for 15 billing cycles |
|
0% Intro APR on Purchases
0% introductory APR on purchases for 15 billing cycles from account opening; the variable ongoing APR applies after the introductory period ends.
|
Financial | 0% for 15 billing cycles |
|
No Annual Fee
No annual fee for primary cardholders or authorized users, keeping the total cost of card ownership at $0.
|
Financial |
$0 annual fee
Up to $0
|
|
Overdraft Protection
Optional overdraft protection service that links the credit card to an eligible Bank of America checking account to help prevent declined purchases, returned checks, or other overdrafts; transfer fees may apply.
|
Financial | Complimentary (transfer fees may apply) |
|
Account Alerts
Customizable email or text alerts notify cardholders of payment due dates, payment confirmations, balance thresholds, and other account activity.
|
Other | Complimentary |
|
Bank of America Mobile Banking App
Full-featured mobile banking app for viewing balances, making payments, managing rewards, setting alerts, and accessing account features from a mobile device.
|
Other | Complimentary |
|
Free FICO® Score Access
Cardholders who opt in can access their FICO® Score updated monthly for free within the Bank of America Mobile Banking app or Online Banking.
|
Other | Complimentary |
|
Paperless Statements
Cardholders can opt for paperless electronic credit card statements to increase account security while reducing paper consumption.
|
Other | Complimentary |
|
Susan G. Komen Charitable Contribution
For each new card used within and remaining open for the first 90 days, Bank of America donates at least $3 to Susan G. Komen plus 0.08% of all retail purchases. An additional $200 is contributed to Komen for each new account opened through this campaign (up to $100,000 annually).
|
Other | $3 + 0.08% of purchases donated to Komen |
|
1% Cash Back on All Other Purchases
Earn unlimited 1% cash back on all other purchases not covered by the 3% or 2% bonus categories, or on purchases that exceed the $2,500 quarterly combined spending cap.
|
Rewards | 1% cash back |
|
2% Cash Back at Grocery Stores and Wholesale Clubs
Earn 2% cash back on purchases at grocery stores and wholesale clubs, subject to the $2,500 combined quarterly spending cap across the 3% and 2% bonus categories.
|
Rewards | 2% cash back |
|
3% Cash Back in Choice Category (Ongoing)
After the first-year 6% promotional rate expires, earn 3% cash back in one eligible Choice Category — Gas & EV Charging Stations, Online Shopping/Cable/Internet/Phone Plans/Streaming, Dining, Travel, Drug Stores/Pharmacies, or Home Improvement/Furnishings. Category can be changed up to once per month.
|
Rewards | 3% cash back |
|
6% Cash Back in Choice Category (First Year)
Earn 6% cash back in one eligible Choice Category of your selection for the first 365 days from account opening, subject to the $2,500 quarterly combined spending cap across the 3% and 2% bonus categories.
|
Rewards | 6% cash back (Year 1) |
|
Cash Back Never Expires
Cash back rewards do not expire as long as the account remains open and in good standing; no minimum redemption threshold for statement credits to a Bank of America deposit account.
|
Rewards | No expiration |
|
Flexible Cash Back Redemption
Redeem cash back as a statement credit, direct deposit to a Bank of America checking or savings account, contribution to an eligible Merrill investment account, or as a credit to an eligible 529 account; minimum $25 for some redemption methods.
|
Rewards | Multiple redemption options |
|
Preferred Rewards Cash Back Bonus
Bank of America Preferred Rewards members earn an additional 25%–75% bonus on all cash back earned with the card, depending on their qualifying tier (Gold, Platinum, Platinum Honors, Diamond, or Diamond Honors).
|
Rewards | 25%–75% rewards bonus |
|
Welcome Bonus
Earn a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening. Applicable to new accounts opened through the online offer only; existing account conversions do not qualify.
|
Rewards |
$200 cash rewards bonus
Up to $200
|
|
$0 Liability Guarantee for Fraud
Cardholders are not responsible for any unauthorized transactions reported promptly; Bank of America's $0 Liability Guarantee covers fraudulent charges made with the card.
|
Security | $0 liability |
|
Chip Technology
Card is equipped with EMV chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries.
|
Security | Complimentary |
|
Fraud Monitoring and Alerts
Bank of America monitors the account for suspicious or unusual activity and alerts cardholders via text, email, or phone when potentially fraudulent transactions are detected.
|
Security | Complimentary |
