The Bank of America is a personal credit card from Bank of America. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% to 27.74% variable (Prime index 7.0% as of 09/30/2026) after a 0% for the first 15 Statement Closing Dates after account opening, on purchases and on balance transfers made within 60 days of opening introductory rate for 15 months. Approval typically requires a credit score of TPG recommends you have a credit score of 670 or higher to increase your chances of getting approved for this card or higher. Signup bonus: $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. Rewards: 3% cash back in the one Choice Category you select (6% in that category for the first year with the 3% first-year bonus); 2% cash back at grocery stores and wholesale clubs; unlimited 1% cash back on all other purchases; the 3% and 2% categories earn on the first $2,500 in combined purchases each quarter, then 1%. Cash back: Unlimited 1% cash back on every purchase.. Typical credit limit: Varies. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card.. Flexible cash back categories and no annual fee.