Purchase APR
24.49–25.24%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $749.70
← All issuersAir France KLM Visa Signature English ↗ Bank of America Customized Cash Rewards Secured English ↗ Air France KLM Visa Signature English ↗ Allways Rewards Visa English ↗ Bank of America Customized Cash Rewards English ↗
Bank Of America, National Association
32 cardholder agreements · 3.4 MB · 23 surveyed cards
B
Fair Terms · grade B (80/100)
2 contract red flags across 32 filed docs · see how every issuer ranks →
Why this grade
- Starting score100
- Change-anytime clause-8
- Penalty APR-6
- High penalty APR (29.99%)-6
- Fair Terms score80 · grade B
See the exact wording behind each below.
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Preview:BFair Termsverified by CardSleuth
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Contract X-Ray — what's buried in the fine print
2 red flags · 32 filed docsDetected 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…”
Penalty APR
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…”
Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest
Priced card products
Purchase APR
14.24–24.24%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $629.70
Purchase APR
16.74–22.74%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $532.20
Purchase APR
13.49–23.49%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $667.20
Purchase APR
17.49–28.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $622.20
Purchase APR
17.49–28.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $652.20
Purchase APR
17.49–28.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $659.70
Purchase APR
19.49–28.24%
Annual fee
$59
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $771.20 incl. $59 fee
Purchase APR
19.49–28.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $757.20
Purchase APR
27.49–28.24%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $839.70
Purchase APR
19.49–28.24%
Annual fee
$79
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $806.20 incl. $79 fee
Purchase APR
27.49–28.24%
Annual fee
None
Foreign fee
None
SecuredTop-25 issuer≤619620–719Travel-related
Carrying $3k for a year ≈ $839.70
Purchase APR
27.49–28.24%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $839.70
Purchase APR
17.49–28.24%
Annual fee
None
Foreign fee
None
0% purchases · 7 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $652.20
Purchase APR
19.49–28.24%
Annual fee
$89
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $756.20 incl. $89 fee
Purchase APR
17.49–28.24%
Annual fee
None
Foreign fee
3%
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $719.70
Purchase APR
19.49–28.24%
Annual fee
$550
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $1,157.20 incl. $550 fee
Purchase APR
19.49–28.24%
Annual fee
$95
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $762.20 incl. $95 fee
Purchase APR
17.49–28.24%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $667.20
Purchase APR
17.49–28.24%
Annual fee
None
Foreign fee
3%
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $734.70
Purchase APR
14.49–26.74%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $667.20
Purchase APR
19.49–28.24%
Annual fee
$95
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $777.20 incl. $95 fee
Purchase APR
19.49–28.24%
Annual fee
$395
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $1,047.20 incl. $395 fee
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.
Air France KLM Visa Signature English111 KBAllways Rewards Visa English102 KBAtmos Rewards Ascent Visa Signature English103 KBAtmos Rewards Summit Visa Infinite English102 KBBank of America Customized Cash Rewards English104 KBBank of America Customized Cash Rewards Secured English112 KBBank of America Customized Cash Rewards Secured Spanish130 KBBank of America Premium Rewards Elite English102 KBBank of America Premium Rewards Elite Spanish120 KBBank of America Premium Rewards English102 KBBank of America Premium Rewards Spanish120 KBBank of America Travel Rewards English102 KBBank of America Travel Rewards Secured English110 KBBank of America Travel Rewards Secured Spanish129 KBBank of America Travel Rewards Spanish119 KBBank of America Unlimited Cash Rewards English104 KBBank of America Unlimited Cash Rewards Secured English113 KBBank of America Unlimited Cash Rewards Secured Spanish130 KBBank of America Unlimited Cash Rewards Spanish121 KBBankAmericard English101 KBBankAmericard Secured English110 KBBankAmericard Secured Spanish127 KBBankAmericard Spanish116 KBCalifornia Teachers Association RateSmart Mastercard English101 KBCelebrity Cruises Visa Signature English102 KBFree Spirit Travel Mastercard English102 KBFree Spirit Travel More World Elite Mastercard English102 KBMassachusetts Teachers Association RateSmart Mastercard English100 KBNational Education Association RateSmart Mastercard English100 KBNorwegian Cruise Line World Mastercard English102 KBRoyal Caribbean Visa Signature English102 KBSandals Visa Signature English102 KB