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BankAmericard® Credit Card.Best Bank of America Credit Cards of August - NerdWallet |
What Happens When Your 0% Intro APR Period Ends? | Bankrate
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bank of america zero apr credit card offers and independent research. Credit card issuers have no say or influence on how we rate cards. However, credit score alone does not guarantee or imply approval for any financial product. The cash back rate is pretty standard, but it offers reliable value without a second thought from you.
The welcome offer is equally straightforward and valuable, too. The Bank of America Customized Cash Rewards credit card is a great option for earning cash back in multiple purchase categories, including one that you get to choose.
You can select from six potentially lucrative categories to earn plenty of cash back in areas where you spend the most. The Bank of America Premium Rewards credit card is great for travel and dining purchases, which earn you 2 points for every dollar spent.
You also earn 1. Read our full Bank of America Premium Rewards credit card review. With one of the industry's longer intro APR offers on qualifying balance transfers and purchases, the BankAmericard credit card can be a useful money management tool. Despite having no rewards program, this card is still a solid choice for getting a temporary break from interest charges.
Read our full BankAmericard credit card review. If some of your travel purchases are a little off the beaten path, the Bank of America Travel Rewards bank of america zero apr credit card card could be a real find.
You can receive statement credits for a wide variety of expenses, including zoos, campgrounds, art galleries and aquariums. Read our full Bank of America Travel Rewards credit card review. Read our full Alaska Airlines Visa Signature credit card review.
There's an opportunity to get a lot of bang for your buck with this business card. Read our full Bank of America Unlimited Cash Rewards credit card review or jump back to offer details.
Read our full Bank of America Customized Cash Rewards credit card review or jump back to offer details. Read our full Bank of America Premium Rewards credit card review bank of america zero apr credit card jump back to offer details. Read our full BankAmericard credit card читать статью or jump back to offer details.
Read our full Quickbooks premier - accountant edition 2011 of America Travel Rewards review or jump back to offer details. Read our full Alaska Airlines Visa Signature credit card review or jump back to offer details. Bank of America is the second largest full-service bank in the U. Bank of America was the first U. In addition to credit cards Bank of America also offers other financial services, including mortgages, car loans, checking and savings accounts and investments through Merrill Lynch.
When it comes to credit cards, Bank of America is generally well-regarded by its customers. The issuer ranks in the middle among national issuers with a score of according the J. This is just behind Chase — which scored — and tied with Citi. Using Bank of America for both your checking and saving needs can help you maximize the value you get from its services. As a member of Bank of America Preferred Rewards program, you can boost your rewards bank of america zero apr credit card that you earn on your Bank of America credit cards, qualify for auto loans and home equity discounts and take advantage of interest rate boosters for saving accounts.
Bank of America has options for many kinds of credit card users, but some consumer groups can especially benefit from bank of america zero apr credit card of its credit cards. They include:. Bank of America Preferred Rewards members are eligible to earn as much as 75 percent more points per purchase, based on their membership tier. Other Preferred Rewards benefits include discounts on auto loans and home equity loans. Learn more about the perks and requirements for becoming a Bank of America Preferred Rewards member.
The Bank of america zero apr credit card of America Customized Cash Rewards credit card lets you choose the purchase category where you earn the highest cash back rate.
This option can help you maximize your cash back returns depending on where you concentrate your spending. Bank of America offers travel cards for everyday consumers, small business owners and students. You can book travel through the Bank of America Travel Center and enjoy benefits including roadside dispatch.
Bank of America has multiple cards with intro APR balance transfer offers. These offers provide an opportunity to transfer an existing debt to a new card and get a temporary break from interest as you pay it off. Bank of America has credit cards to help small business owners earn cash back or travel rewards.
By earning and redeeming rewards, you can defray some of the everyday costs of operating your business. Still unsure if a Bank of America credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.
Here are a few questions to ask yourself before applying:. There is no one-size-fits-all credit card. Determining which card will offer you the most value comes down to your goals and spending habits.
Knowing which categories you spend the most in each month will help you нажмите для продолжения a card that will earn the most rewards.
A good credit card should offer benefits that are easy to use and a rewards system that works best for you. For instance, frequent travelers will find the most value читать далее a travel-focused rewards card that offers perks such as travel statement credits, lounge access and trip insurance.
Parents and other everyday shoppers might like the simplicity of a flat-rate cash back card with features like extended warranty. While some might prefer the flexibility of rewards and cash back cards that have rotating or custom categories.
Many cards offer a sign-up bonus after you hit certain spending requirements. If you have a smaller budget, a card with a smaller sign-up bonus might продолжить чтение easier to qualify for.
Bank of America cards typically have sign-up bonuses that require the cardholder to spend moderately. These spending requirements are higher than those of some competing cards. Unless you plan to spend much more than you normally would in the months following your account opening, you should opt for a card with a sign-up bonus you can definitely obtain — as long as its rewards rates and categories match your regular spending habits.
If you ever plan on carrying a balance on your credit card, APR annual percentage rate is extremely important because it determines how much interest you pay. Variable APRs differ from card to card but usually fall between 17 and 30 percent based on creditworthiness.
Some cards also offer an introductory APR period when you first sign up for the card, which can help you pay off large expenses with a temporary break from paying interest. Bankrate's personal bank of america zero apr credit card experts have evaluated the top Bank of America cards according to our 5-star rating system. The list of criteria for rating credit cards includes:. Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools.
Whether the card charges an annual fee and if so, how much the card's bank of america zero apr credit card value bank of america zero apr credit card benefits might offset the fee.
Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card's overall value. How the card's APR compares with current averages as an indicator of cost and value.
Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card's overall value. Have more questions for our credit cards editors? Feel free to send us an emailfind us on Facebookor Tweet us Bankrate. As mentioned above, the program offers three tiers. Your tier, Gold, Platinum or Platinum Honors, will vary based on your account balance. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty.
After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. The information, including card rates and fees, is accurate bank of america zero apr credit card of the publish date.
All products or services are presented without warranty. The offers that appear on this site are from companies from which Bankrate. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories.
Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Who should get a Bank of America credit card? Bank of America Preferred Rewards How to choose the right card for you Why we chose our featured cards Frequently asked questions.
Apply now On Bank of America's secure site. Add to compare. Rewards rate. Intro offer. Annual fee. Regular APR. Recommended credit. Good to Excellent - Credit score. Pros This card charges no annual fee. Cons This card charges a 3 percent foreign transaction fee. Earn unlimited 1. That means you could earn 1. No annual fee. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center.
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