The Bank of America Bank Ameri is a personal credit card from Bank of America Bank Ameri. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.99% – 25.99% Variable after a 0% for 21 billing cycles introductory rate for 21 months. Approval typically requires a credit score of 700+ or higher. Rewards: None (pure 0% APR focus). 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.. Ideal for long-term debt payoff or extended interest-free purchases. Bank of America Customized Cash Rewards Credit Card. BT Fee: 3% during the intro window; increases to 4% after. Post-intro APR: 15.24%–25.24% variable