13.99%, 16.99%, or 19.99%, based on your creditworthiness (Variable)
13.99%, 16.99%, or 19.99%, based on your creditworthiness
0.00% introductory APR for the first 12 billing cycles from date of account opening
12 billing cycles
Finance Calculation Method:
Average Daily Balance (including new purchases)
Up to 29.99% (fixed); If your APRs are increased due to any default (as described above), the Penalty APR may apply indefinitely
Default/Penalty APR Floor:
Maximum Default APR:
This APR may be applied to your account if you (1) fail to make the minimum payment by the payment due date; (2) exceed your Cash Advance Limit or your Total Credit Limit; or (3) make a payment that is returned or dishonored.
Credit Card Fee Information:
Foreign Transaction Fee:
Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater.
Up to $38
Balance Transfer Fee:
Either $10 or up to 4% of the amount of each transfer, whichever is greater
The APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the LIBOR Index to a margin of 13.49, 16.49, or 19.49 percentage points. Returned Payment Fee: None.
Credit Card More Information:
Card Issued By:
RBS Citizens, N.A.
General Correspondence Address:
73 Tremont Street
States Available In:
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:
Credit Card Consumer Reviews:
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Get a $100 statement credit after $500 in purchases within 60 days of account opening - with no annual fee and no limit to the base cash back you can earn
3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
Redeem your cash rewards for cash back, or apply them to a Bank of America(R) savings or checking account