†Details of Rate, Fee and Other Cost Information

Account terms are not guaranteed for any period of time. All terms, including fees and APRs for new transactions, may change in accordance with the Credit Card Agreement and applicable law based on information in your credit report, market conditions, business strategies, or for any reason. Please review all of these materials so that you are fully informed about the terms of this credit card offer.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account.

After that, your APR will be 13.99% to 23.99%, based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account.

After that, your APR will be 13.99% to 23.99%, based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 16.99% to 26.99%, based on your creditworthiness when you open your account, for Direct Deposit and Check Cash Advances, and
28.99% for Bank Cash Advances.
See footnote Footnote  1 for explanation.


These APRs will vary with the market based on the Prime Rate.
Penalty APR None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

Please see the next page for a continuation of the Details of Rate, Fee and Other Cost Information.

Fees
Annual Fee None
Transaction Fees  
  • Purchase Purchase of a wire transfer from a non-financial institution:
Either $10 or 5% of the amount of each transaction, whichever is greater.
  • Balance Transfer Either $10 or 3% of the amount of each transaction, whichever is greater.
  • Cash Advance Direct Deposit and Check Cash Advances:
Either $10 or 3% of the amount of each transaction, whichever is greater.

ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances:
Either $10 or 5% of the amount of each transaction, whichever is greater.

Overdraft Protection Cash Advance (if enrolled):
For transfers to a linked Bank of America deposit account opened in GA, IL, KY, MI or TN:
Prior to June 18, 2021: $12 for each transaction billed to your credit card account
Effective June 18, 2021: no fee will be assessed to your credit card account Footnote  2
For transfers to a linked Bank of America deposit account opened in all other locations:
Prior to August 20, 2021: $12 for each transaction billed to your credit card account
Effective August 20, 2021: no fee will be assessed to your credit card account Footnote  2

  • Foreign Transaction 3% of the U.S. dollar amount of each transaction (1) made in a foreign currency, or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. This fee will be in addition to any other applicable fee.
Penalty Fees  
  • Late Payment Up to $40
  • Returned Payment Up to $29

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

Balance Transfers and certain Cash Advances, such as Direct Deposits, are made available to you at our discretion.