CFPB TCCP survey · December 31, 2025
Bank Of America, National Association credit card rates & fees
Bank Of America, National Association reported 23 credit card plans to the CFPB. Their median purchase APR is 22.24%, lower than the 23.49% median across all surveyed cards. The lowest starting APR is on the MTA Rate Smart Card (13.49%). 16 of 23 plans have no annual fee.
Bank Bank of America, National Association financial health scorecard 59 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| MTA Rate Smart Card | 13.49% – 23.49% | 22.2% / 10.0% / 10.0% | 28.49% | $0 | $29 | 3.0% | 25 d |
| NEA Rate Smart Card | 14.24% – 24.24% | 19.2% / 23.2% / 10.0% | 28.24% | $0 | $29 | 3.0% | 25 d |
| BankAmericard | 14.49% – 26.74% | 20.7% / 24.2% / 25.2% | 28.74% | $0 | $29 | 3.0% | 25 d |
| CTA Rate Smart Card | 16.74% – 22.74% | 17.7% / 10.0% / 10.0% | 27.74% | $0 | $29 | 3.0% | 25 d |
| Bank of America Customized Cash RewardsCashback rewards; Other rewards | 17.49% – 28.24% | 22.0% / 26.2% / 28.0% | 28.74% | $0 | $29 | 3.0% | 25 d |
| Bank of America Travel RewardsTravel-related rewards; Other rewards | 17.49% – 28.24% | 21.7% / 25.7% / 25.7% | 28.74% | $0 | $29 | 0.0% | 25 d |
| Bank of America Unlimited Cash RewardsCashback rewards; Other rewards | 17.49% – 28.24% | 22.2% / 26.7% / 27.7% | 28.74% | $0 | $29 | 3.0% | 25 d |
| Celebrity Cruises Visa SignatureTravel-related rewards; Other rewards | 17.49% – 28.24% | 20.2% / 26.7% / 10.0% | 28.49% | $0 | $29 | 0.0% | 25 d |
| Norwegian Cruise Line World MastercardTravel-related rewards; Other rewards | 17.49% – 28.24% | 21.2% / 27.0% / 10.0% | 28.74% | $0 | $29 | 0.0% | 25 d |
| Royal Caribbean Visa SignatureTravel-related rewards; Other rewards | 17.49% – 28.24% | 21.5% / 27.0% / 10.0% | 28.49% | $0 | $29 | 0.0% | 25 d |
| Sandals Visa SignatureTravel-related rewards; Other rewards | 17.49% – 28.24% | 21.2% / 26.7% / 10.0% | 28.49% | $0 | $29 | 0.0% | 25 d |
| Air France KLM World Elite MastercardTravel-related rewards; Other rewards | 19.49% – 28.24% | 22.2% / 27.5% / 10.0% | 28.24% | $89 | $29 | 0.0% | 25 d |
| Allways Rewards VisaTravel-related rewards; Other rewards | 19.49% – 28.24% | 23.2% / 27.5% / 10.0% | 28.49% | $59 | $29 | 0.0% | 25 d |
| Atmos Rewards Ascent Visa SignatureTravel-related rewards; Other rewards | 19.49% – 28.24% | 22.2% / 27.5% / 10.0% | 28.24% | $95 | $29 | 0.0% | 25 d |
| Atmos Rewards Summit Visa InfiniteTravel-related rewards; Other rewards | 19.49% – 28.24% | 21.5% / 25.0% / 10.0% | 28.24% | $395 | $29 | 0.0% | 25 d |
| Bank of America Premium RewardsCashback rewards; Travel-related rewards; Other rewards | 19.49% – 28.24% | 21.7% / 26.2% / 26.7% | 28.74% | $95 | $29 | 0.0% | 25 d |
| Bank of America Premium Rewards EliteCashback rewards; Travel-related rewards; Other rewards | 19.49% – 28.24% | 20.2% / 25.0% / 10.0% | 28.74% | $550 | $29 | 0.0% | 25 d |
| Free Spirit Travel More World Elite MastercardTravel-related rewards; Other rewards | 19.49% – 28.24% | 23.5% / 27.7% / 10.0% | 28.24% | $79 | $29 | 0.0% | 25 d |
| Free Spirit Travel World MastercardTravel-related rewards; Other rewards | 19.49% – 28.24% | 24.2% / 27.7% / 10.0% | 28.24% | $0 | $29 | 0.0% | 25 d |
| BankAmericard - Securedsecured | 24.49% – 25.24% | – / – / – | 28.74% | $0 | $29 | 3.0% | 25 d |
| Bank of America Customized Cash Rewards - SecuredsecuredCashback rewards; Other rewards | 27.49% – 28.24% | – / – / – | 28.74% | $0 | $29 | 3.0% | 25 d |
| Bank of America Travel Rewards - SecuredsecuredTravel-related rewards; Other rewards | 27.49% – 28.24% | – / – / – | 28.74% | $0 | $29 | 0.0% | 25 d |
| Bank of America Unlimited Cash Rewards - SecuredsecuredCashback rewards; Other rewards | 27.49% – 28.24% | – / – / – | 28.74% | $0 | $29 | 3.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.