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73

CTA Rate Smart Card

Bank Of America, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
16.74–22.74%
Annual fee
None
0% intro
18 mo
0% transfer
18 mo
Foreign fee
3%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
9.99%
≤619
9.99%
620–719
9.99%
720+
17.74%
Lowest offered16.74%
Median17.74%
Highest offered22.74%

Introductory purchase APR

Promotional window: 18 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 18 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered27.74%
Median27.74%
Highest offered28.74%

Every fee on this card

Annual feeNone
Balance transfer fee4%
Cash advance fee5%
Foreign transaction fee3%
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

None reported

Services
  • Access to Free Credit Scores
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-888-758-7946
Balance transfer calculator
Stay put — 18 mo at 24%$900
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$700

Assumes you pay the balance down evenly across the 18-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 17.74% afterwards.

Cost to carry a balance
Interest for a year at 17.74%$532.20
Annual / periodic fees$0
Total yearly cost$532.20

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.

All 32 agreements

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