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Annual Fee
$0
Rewards Rate
1%-3%
Intro Offer
$200
Credit Score
690-850 (Good – Excellent)
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Product Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice – now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
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Our Take
Pros:
- Generous $200 online cash rewards bonus
- Introductory APR offer with a generous term
- Competitive cash-back reward rates
- Free FICO® Score access
- No annual fee
- No expiration on rewards
Cons:- 3% foreign transaction fee
- High penalty APR and late fee
- High to very high standard APR, depending on your credit