Shop smarter, save more! Interest-free financing and unlimited rewards
A no-annual-fee credit card with an interest-free financing opportunity and unlimited rewards earned on all purchases may sound too good to be true, but that’s exactly what you can look forward to with the card_name.
First, let’s talk about that interest-free financing opportunity, because who couldn’t use a little relief in today’s economic climate. New cardholders can look forward to intro_apr_rate,intro_apr_duration, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a Variable APR that’s currently reg_apre will apply. A 3% intro balance transfer fee will apply for the first 60 days your account is open. After the intro balance fee offer ends, the fee for future balance transfers is balance_transfer_fees.
Fifteen billing cycles means cardholders have over a full year to pay of new or existing balances. If you have a large purchase on the horizon that you need a little extra time to pay off – or existing balances on high-APR credit cards, this card could be a great tool to help you get, or keep, your finances under control.
In addition to its fantastic intro APR offer, this card comes with a plethora of other notable features, including:
- A $200 cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of opening an account.
- Unlimited 1.5% cash back on all purchases made with the card – plus, if you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more. That means you could earn 1.87%-2.62% cash back on every purchase!
- There is no limit to the amount of cash back you can earn (it’s called the “Unlimited Cash Rewards” card for a reason!), and cash rewards don’t expire as long as your account remains open.
- No annual fee!
This online offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer by applying now!
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Why should you apply for this card?
How do you know if the card_name is a good fit for you? Consider the following scenarios.
You should consider applying for the card_name if you:
Need a 0% intro APR period. Remember, this card offers 0% intro APR on both balance transfers and new purchases, so this offer can be beneficial for a wide audience. Whether you need extra time to pay off a new purchase interest free, or if you’re carrying existing credit card debt that you’d like to pay off without added interest charges, this card fits the bill for both parties.
Want to earn unlimited rewards on all purchases. One thing that’s great about this card is that it earns rewards on ALL purchases, and there’s no cap on the amount of rewards you can earn. Oftentimes, rewards cards only earn bonus rewards in select spend categories, or there’s a limit to the amount of rewards you can earn. That’s not the case with this card, however, thanks to unlimited 1.5% cash back on all purchases made with the card. And remember, Bank of America Preferred Rewards members can earn 25%-75% more!
Want to easily earn a cash-back welcome bonus. Most often, a card will offer a cash-back welcome bonus, OR an intro 0% APR period. In this case, this card offers BOTH! And it’s easy to obtain, especially if you already have a large purchase on the horizon and want to take advantage of the 0% APR offer. Cardholders can earn $200 once spending $1,000 within 90 days of opening an account. That means you only need to spend a little over $300 each month with the card in order to qualify for this reward.
Don’t want to pay an annual fee. This card is all about saving (and earning) you money. If you manage your account responsibility, you could really make this card work to your advantage.
What credit score is required for this card?
The card_name requires applicants to have a good to excellent credit score for approval. This generally means a score between 670 and 850, but this can vary by scoring model. While having a score on the higher end of this range can increase the likelihood of approval, approval can also vary based on other factors such as income, debt-to-income ratio and your overall credit history.
Alternate cards to consider
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Jennifer Doss is a credit card analyst and the executive editor of CardRatings.com. She has worked as both a print and online journalist and has over a decade of experience in the media industry. Her published work has covered a broad range of topics, from finance and technology to travel and dining. Through extensive travel experiences and her personal interest...Read more
Survey Methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. “Current Scores” reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.
Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.
To see the rates and fees for the American Express cards mentioned in this post, please see the following links: CardName (See Rates and Fees)
Disclaimer:
The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.