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Bank of America Accelerated Cash Rewards

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The Bank of America Accelerated Cash Rewards works on the American Express network and is primarily intended for consumers who have Good or better credit history.

This credit card features a fixed introductory interest rate on purchases of 0% APR for the first 10 months. The regular interest rate for purchases made with…

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Card at-a-glance

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Rates & Fees Summary:

  • Intro purchase rate: 0% (up to 10 months)
  • Purchase rate: 16.19% (variable)
  • Intro balance transfer rate: 0% (up to 10 months)
  • Balance transfer rate: 16.19% (variable)
  • Annual Fee*: N/A
  • Balance transfer fee*: 4% (minimum of $10.00)

Rewards Summary:

  • Sign-up Bonus: N/A
  • Base earning rate: 1.25%
  • Max earning rate: 1.25%
  • Bonus Categories: N/A
  • Total Earning Limit: None
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.

Card rates and fees

Select a credit rating to view corresponding estimated rates:
Purchase rate* 0% (up to 7 months) view rate details 20.99% (variable) view rate details
Balance transfer rate* 0% (up to 7 months) view rate details 20.99% (variable) view rate details
Cash advance rate* N/A 24.24% (variable) view rate details
Purchase rate* 0% (up to 7 months) view rate details 20.99% (variable) view rate details
Balance transfer rate* 0% (up to 7 months) view rate details 20.99% (variable) view rate details
Cash advance rate* N/A 24.24% (variable) view rate details
Purchase rate* 0% (up to 7 months) view rate details 18.99% (variable) view rate details
Balance transfer rate* 0% (up to 7 months) view rate details 18.99% (variable) view rate details
Cash advance rate* N/A 24.24% (variable) view rate details
Purchase rate* 0% (up to 10 months) view rate details 16.19% (variable) view rate details
Balance transfer rate* 0% (up to 10 months) view rate details 16.19% (variable) view rate details
Cash advance rate* N/A 24.24% (variable) view rate details
Purchase rate* 0% (up to 10 months) view rate details 14.59% (variable) view rate details
Balance transfer rate* 0% (up to 10 months) view rate details 14.59% (variable) view rate details
Cash advance rate* N/A 24.24% (variable) view rate details
Annual Fee* $0.00
Balance transfer fee* 4% (minimum of $10.00)
Cash advance fee* 3% (minimum of $10.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $0.00
Min finance charge* $1.50
Balance transfer fee* 4% (minimum of $10.00)
Cash advance fee* 3% (minimum of $10.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $0.00
Min finance charge* $1.50
Balance transfer fee* 4% (minimum of $10.00)
Cash advance fee* 3% (minimum of $10.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $0.00
Min finance charge* $1.50
Balance transfer fee* 4% (minimum of $10.00)
Cash advance fee* 3% (minimum of $10.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $0.00
Min finance charge* $1.50
Balance transfer fee* 4% (minimum of $10.00)
Cash advance fee* 3% (minimum of $10.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $0.00
Min finance charge* $1.50
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.
Rewards
Reward Units Cash
Rewards Expiration 60 months
Total Earning Limit None
Program website http://www.bankofamerica.com/worldpoints
All Purchases 1.25% per each $1 spent
Features and Benefits
Category Consumer
Network American Express
Min Credit Level Good (700 - 749)
Instant Approval No
No Annual Fee Yes
Rewards Program Yes
Grace Period 25 days
Method For Computing Balance Average Daily Balance
Universal Default No
Revolving Credit Yes
Secured Card No
Monitor your account with free alerts
Avoid late fees by paying your monthly bill online at no charge
Keep track of your spending in one convenient place
Keeping your financial information secure is one of our most important responsibilities.
Use SiteKey® to prevent unauthorized access to your accounts
Guaranteed credit. As soon as the end of the next day for unauthorized purchase.
Consolidate payments by transferring balances from other cards2
Photo Security®. Puts your picture on the front of the card to reduce fraud.
Use our easy, safe, award-winning Online Banking service to:
Zero liability for lost card
Shop protected with Secure Online Account Numbers
Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
Protection from arbitrary rate increases
The right to have rates reviewed and reduced
Fair allocation of payments
No universal default
No double-cycle billing
No fees for paying your bill
Protection from due date gimmicks
Enough time to pay your bill
Education on dangers of minimum payments
Protection of young cardholders
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