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?
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.