Bank of america zero apr credit card.How to choose a 0% intro APR credit card

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

The scoring formulas take into account multiple data points for each financial product and service. You won’t earn ongoing rewards, aside from being able to opt into one-time offers from My Wells Fargo Deals.

Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.

Select “Apply Now” to learn more about the product features, terms and conditions. New cardholders also get a solid bonus offer. Depending on your spending patterns, you might earn more rewards with a card that pays higher rates in specific categories.

Enjoy 6. No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U. Cash Back rewards do not expire as long as your account is open! Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

See if you qualify for a better offer with Chase:. It’s not an ideal travel buddy because of its foreign transaction fee, which will make international travel more expensive. No categories to track or remember and cash rewards don’t expire as long as your account remains open.

Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge. All the while during your first year, you’re earning Discover’s signature new-cardholder bonus. Rewards-wise, it can be a hassle to track bonus categories and opt in to them every quarter. Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.

Then New cardholders can also earn a cash bonus. You have to opt in to the bonus categories every quarter, which can be a hassle. Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Terms apply. You can find cards with longer intro APR periods. You can also find cards with higher spending caps — or no caps at all — on bonus rewards.

After that, the variable APR will be No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. There’s a nice welcome offer, too. Balance Transfer is back! After that, Enrollment required. If you need to spread out payments on a purchase as long as possible without interest, the U. The card also offers cell phone protection if you use it to pay your wireless bill.

After that, a variable APR currently Certain terms, conditions, and exclusions apply. The U. The long-term value of this card depends on your appetite for actively managing your rewards, since you have to choose your own bonus categories. Still, a little effort can be very rewarding. Every purchase earns 1. Still, simplicity is a primary part of this card’s appeal. No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn.

A variable APR of After that, the variable APR will be You can pool rewards on the Citi Custom Cash with other ThankYou point-earning cards where you may be able to redeem them for even greater value. But the Bank of America Customized Cash Rewards credit card provides more flexibility in the ability to both choose a spending category and earn rewards. It remains worth arguing that for those interested in sporting multiple credit cards, this card could make an excellent additional card.

Issuers look at a variety of financial factors and your credit score is just one component of the underwriting decision process. The rewards will be deducted from your balance as soon as you authorize the transaction and the time will vary based on the specific type of redemption you chose to apply your rewards to.

Redemptions for an electronic deposit in an eligible account may take up to five business days. Redemptions for a statement credit will take up to three business days. Redemptions for checks will take up to 14 business days. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking App. You can change it once each calendar month, or make no change and it stays the same. Until you change your category for the first time, it will be set to gas.

Chauncey grew up on a farm in rural northern California. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency.

Robin Saks Frankel is a credit cards and personal finance writer for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney. Follow her on Twitter at robinsaks. Select Region. United States. United Kingdom. Apply Now. On Bank of America’s Website. Chauncey Crail, Robin Saks Frankel. Contributor, Editor. Show summary. Credit card NerdWallet rating NerdWallet’s ratings are determined by our editorial team.

Apply now. Our pick for Bonus category cash back. Add to compare. The scoring formula takes into account the type of card being reviewed such as cash back, travel or balance transfer and the card’s rates, fees, rewards and other features. Annual fee. Recommended Credit Score. See your approval odds. Why We Like It. Product Details. Pros Get bonus cash back at grocery stores, wholesale clubs and a category of your choice gas, dining, travel, drugstores, online shopping, or furniture and home-improvement stores.

No annual fee and no expiration on rewards. Our pick for Simple cash back. Pros The card earns an unlimited 1. Cons In recent years, a 1. No annual fee. Our pick for Travel. Cons The card has a low sign-up bonus compared with some of the top travel cards on the market. Our pick for Premium travel rewards. Pros Earn 2 points per dollar spent on travel and dining and 1. Cons Points can’t be transferred to partner airline or hotel programs for potentially greater value, as is the case with several competing cards.

Both of these cards are likely better options. Aaron is an avid global traveler and miles and points enthusiast. In addition to writing for Forbes. She has visited over 45 countries and lived in Thailand, China, and Ireland where her son was born.

Her kids have over 20 stamps in their own passports. Her passion lies in showing families how to travel more while keeping their savings and sanity. Her guidebook, Disney World Hacks, is a bestseller on Amazon. Select Region. United States. United Kingdom. Apply Now. On Bank of America’s Website.

Aaron Hurd, Dia Adams. Contributor, Editor. Editorial Note: We earn a commission from partner links on Forbes Advisor.

Commissions do not affect our editors’ opinions or evaluations. All ratings are determined solely by our editorial team. Welcome Bonus. Annual Fee. Regular APR. Credit Score. Pros Simple cash back rewards No minimum cash back redemptions Cash back rewards do not expire Card can earn up to 2.

Cons Base cash back of 1. Earn unlimited 1.

 
 

 

BankAmericard® Credit Card

 
0% Intro APR † for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. · $ statement credit. The best 0% APR credit cards: Finance debt or new purchases interest-free for Citi Custom Cash℠ Card · The Bank of America® Unlimited Cash Rewards Card.

 
 

How to choose a 0% intro APR credit card | replace.me.11 Best 0% APR Credit Cards of August – NerdWallet

 
 

Transfers will be subject to the terms of both your Credit Card Agreement and the account agreement s and disclosures governing your Bank of America deposit account. Overdraft protection transfers may not be available for up to 14 days from account opening.

If you link your Bank of America deposit account to your credit card for Overdraft Protection, we will automatically transfer funds from your credit card account to cover overdrafts on your deposit account, as long as the portion of credit available for cash on your credit card account is sufficient and you are not in default under your Credit Card Agreement. Overdraft protection transfers from a linked credit card will be made up to the amount required to cover the overdraft and any applicable transfer fee to the covered account.

Overdraft protection transfers incur interest charges from the transaction date. If the portion of credit available for cash on your credit card account is insufficient to cover the amount required by the overdraft in the multiple of funds stated above , we may advance the funds even if it causes your credit card account to exceed your Cash Credit Line.

Please see your Credit Card Agreement for additional details. Paperless Statement Option Opt for paperless credit card statements and increase account security while reducing paper consumption. Learn more Digital Wallet. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more. Mobile Banking. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices.

Message and data rates may apply. Account Alerts 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. You may elect to receive alerts via text or email. Bank of America does not charge for this service but your mobile carrier’s message and data rates may apply.

Delivery of alerts may be affected or delayed by your mobile carrier’s coverage. You can also call We make money from advertising. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles.

Credit Card Reviews August 15, Credit Card Reviews August 12, Credit Card Reviews August 10, 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 bonus 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 one 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 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 choose 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 with 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 be 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 finance 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 overall value and 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.

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Intro purchase APR. Regular purchase APR. Annual fee. Earn unlimited 1. Show more. Limited-Time Online Offer! Earn 3 points per dollar spent on eligible Spirit purchases; 2 points per dollar spent on eligible dining and grocery store purchases; and 1 point per dollar spent on all other purchases. Buy one, get one free airfare — anytime you use your card to purchase a vacation package from Allegiant with 4 or more hotel nights or 7 or more rental car days on the same itinerary.

More cards by category.