Detected in the CFPB-filed cardholder agreements from Bank Of America, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
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“…nt from time to time. adjustments associated with any Purchase. However, when a Monthly Custom Pay Plan Fee is assessed, it becomes a part of that We reserve the right to amend this Agreement at any time, by Custom Pay Plan balance. adding, deleting, or changing provisions of this Agreement. All amendments will comply with the applicable notice requir…”
“…me to time. initiated by us at your request. A Balance Transfer does not include a transaction that is otherwise a Cash Advance. Balance Transfers We reserve the right to amend this Agreement at any time, by include Transaction Fees and adjustments associated with any adding, deleting, or changing provisions of this Agreement. All Balance Transfer. am…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~29.99%
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“…vary with the Prime + 21.74% to Prime + 22.49% market based on the Prime Rate (as (APR) 28.49% to 29.24% of 04/08/2026) (DPR) 0.078054% to 0.080109% Penalty APR and When it Applies Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied…”
“…vary with the Prime + 20.74% to Prime + 22.49% market based on the Prime Rate (as (APR) 27.49% to 29.24% of 03/31/2026) (DPR) 0.075315% to 0.080109% Penalty APR and When it Applies Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied…”
“…vary with the Prime + 21.74% to Prime + 22.49% market based on the Prime Rate (as (APR) 28.49% to 29.24% of 03/31/2026) (DPR) 0.078054% to 0.080109% Penalty APR and When it Applies Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied…”
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered27.49%
Median28.24%
Highest offered28.74%
Every fee on this card
Annual fee$95
Balance transfer fee4%
Cash advance fee5%
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Monthly Custom Pay Plan Fee$0
Rewards, benefits and features
Rewards
Travel-related rewards
Other rewards
Services
Access to Free Credit Scores
Automobile rental insurance
Extension on manufacturer’s warranty
Other
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Earn 3 points for every $1 spent on eligible Alaska and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit, including rideshare purchases. Earn 1 point per $1 spe
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-932-2775
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 22.74%$682.20
Annual / periodic fees$95
Total yearly cost$777.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
32 documents filed by Bank Of America, National Association in the 2026 Q1 archive.