BankAmericard Better Balance Rewards®
2 Year NetRewards
Credit Rating Required
Features and Benefits
Low Introductory APR Offer
Introductory 0%† APR for your first 12 billing cycles for balance transfers made within 60 days of opening your account. After that, a Variable APR that’s currently 12.74% to 22.74% will apply. 3% fee (min $10) applies to balance transfers.
Get an additional $5 bonus per quarter
Customers with a Bank of America® checking or savings account get an extra $5 per quarter.
We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions1
Online Shopping Security
Use the free and easy ShopSafe® service when you shop online to generate a temporary credit card number so your real card number remains completely private and protected. Learn more ShopSafe
Now with chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries. View chip card FAQs
An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
Paperless Statement Option
Opt for paperless credit card statements and increase account security while reducing paper consumption.
Digital Wallet Technology
Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Android Pay™ or Samsung Pay. Learn more Digital Wallet
Online & Mobile Banking
Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.
Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
Get the account information you need quickly by text. Simply send a text message and you’ll get a reply in seconds.
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.