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Earning rate: 3% cash back in the category of your choice each month (gas, online shopping, dining, travel, drug stores or home improvement and. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking App. You can change it once each calendar. Download Bank of America Mobile Banking and enjoy it on your iPhone, iPad, Review activity in checking, savings and credit card accounts.
boa credit card online login
boa credit card online login

Comparing the best Bank of America credit cards

The information for the Air France KLM World Elite and Free Spirit Travel More cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Best Bank of America credit cards

Bank of America Customized Cash Rewards credit card

Annual fee: $0.

Sign-up bonus: $200 after you spend $1,000 on purchases in the first 90 days of account opening.

Earning rate: 3% cash back in the category of your choice each month (gas, online shopping, dining, travel, drug stores or home improvement and furnishings), 2% at grocery stores and wholesale clubs (on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%) and 1% on everything else.

Why you should apply: The Bank of America Customized Cash Rewards card is one of the only credit cards that allows you to essentially customize your rewards structure to fit your changing spending habits throughout the year — with the chance to change categories every month. This is especially valuable right now, as many people continue to shift their spending habits away from gas and travel to online shopping and takeout, thanks to the ongoing pandemic. This card will give you the freedom to change your rewards every month to maximize your spending, and then revert back to other spending categories once you are traveling and going to work again.

Related: Credit cards we’re using most during the pandemic

Bank of America Travel Rewards credit card

Annual fee: $0.

Sign-up bonus: 25,000 points after you spend $1,000 in purchases in the first 90 days of account opening — which can be redeemed for a $250 statement credit toward travel purchases.

Earning rate: 1.5x on all purchases.

Why you should apply: This card operates similarly to the Capital One Venture Rewards Credit Card. You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to erase eligible travel purchases.

Although this certainly isn’t the most lucrative or flexible rewards card, it is perfect for low-budget beginner travelers who want a card with no annual fee and a simple way to earn and redeem points.

Bank of America Premium Rewards credit card

Annual fee: $95.

Sign-up bonus: 50,000 points (a $500 value) after you spend $3,000 in purchases in the first 90 days of account opening.

Earning rate: 2x on travel and dining, and 1.5x on all other purchases. 

Why you should apply: For such a low annual fee, this Bank of America card packs a punch. You’ll get $500 in value out of the sign-up bonus, and you’ll get perks such as an up-to-$100 annual airline incidental statement credit and an up-to-$100 credit that can be applied toward the Global Entry or TSA PreCheck enrollment fee every four years.

It also comes with travel insurance protections including trip delay/cancellation/interruption insurance, baggage delay/loss insurance, emergency evacuation and transportation insurance, and rental car insurance — perks that normally come with more premium cards.

The Premium Rewards card is a bit more flexible than Bank of America’s other branded credit cards because you can redeem your rewards for travel, cash back or even deposit into a linked Bank of America or Merrill account. Plus, the fact that you earn 1.5x on non-bonus spending means this is a good card for everyday purchases.

However, you can boost your return by as much as 75% through Bank of America’s Preferred Rewards program. To participate, you’ll need an eligible Bank of America checking account and an average daily balance of at least $20,000 in qualifying deposit or investment accounts. The largest bonus is available to customers with a balance of $100,000 or more — at that level, you’ll earn 3.5 points per dollar on dining and travel, and an impressive 2.62 points per dollar on non-bonus spending.

If you already have high-value accounts with Bank of America, then getting this card is a no-brainer. If not, establishing a new banking relationship — like The Points Guy, Brian Kelly, did — may be a profitable move.

Related: The 5 credit cards The Points Guy is using the most in 2020

Best Bank of America airline credit cards

Alaska Airlines Visa Signature credit card

Annual fee: $75.

Sign-up bonus: 40,000 bonus miles and Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) after you make $2,000 or more in purchases within the first 90 days of opening your account.

Earning rate: 3x on eligible Alaska Airlines purchases and 1x on other purchases.

Why you should apply: Alaska miles open up some exciting redemption options. TPG values Alaska miles at 1.8 cents each thanks to an incredible partner award chart, making the sign-up bonus worth $720. The card also comes with a companion fare, which will give your companion traveling on the same itinerary a free coach ticket on Alaska-operated flights from $121 ($99 fare plus taxes and fees from $22), among other perks like discounts on inflight purchases and lounge passes. Alaska miles are even more valuable now that Alaska has joined Oneworld and American Airlines and Alaska have launched reciprocal mileage earning.

Related: I flew Alaska on its first day in Oneworld: Here’s what it was like as an American Airlines elite

Air France KLM World Elite Mastercard

AIRPORT ORLY, PARIS, FRANCE - 2018/02/18: AirFrance Airbus 319 seen at Paris Orly airport. (Photo by Fabrizio Gandolfo/SOPA Images/LightRocket via Getty Images)

Annual fee: $89.

Sign-up bonus: For a limited time, you can earn 50,000 miles and a $100 statement credit after you spend $2,000 within the first 90 days of account opening.

Earning rate: 3x on Air France, KLM and purchases with SkyTeam member airlines, and 1.5x on everything else.

Why you should apply: Earning Flying Blue miles isn’t difficult with the multiple airlines which are part of the program (plus credit cards and other airlines as transfer partners), but this card can help you top off your account. If you fly with airlines that earn Flying Blue miles frequently, it’s worth taking a look at this card to help you boost your miles balance.

Related: The ultimate guide to earning and redeeming with Air France-KLM Flying Blue

Free Spirit Travel More World Elite Mastercard

A Spirit Airlines Inc. plane sits on the tarmac at Fort Lauderdale International Airport (FLL) in Fort Lauderdale, Florida, U.S., on Friday, June 2, 2017. Revenue generated from the U.S. accounts for nearly 90 percent of Spirit's revenue. Photographer: Saul Martinez/Bloomberg via Getty Images

Annual fee: $79, waived the first year.

Sign-up bonus: 40,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.

Earning rate: 3x on eligible Spirit purchases, 2x on eligible dining and grocery store purchases, and 1x on all other purchases.

Why you should apply: Spirit is an ultra-low-cost carrier with a no-frills approach to flying. While it won’t be winning any TPG awards for the best premium flight experiences, budget travelers can take advantage of its low prices on both cash and award flights (redemptions start at only 2,500 miles with Spirit’s revamp of its loyalty program, Free Spirit). This card offers a solid way to rack up miles for this airline and an easy-to-hit welcome bonus.

Related: Hear us out: Why Spirit gives Delta a run for its money in our head-to-head comparison

Best Bank of America business credit cards

Bank of America Business Advantage Customized Cash Rewards Mastercard

Annual fee: $0.

Sign-up bonus: $300 statement credit after you spend $3,000 on purchases in the first 90 days of account opening.

Earning rate: 3% cash back in the business category of your choice and 2% on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, then 1%), and 1% on all other purchases.

Why you should apply: Just like the personal version of this card, the Bank of America Business Advantage Customized Cash Rewards Mastercard allows you customize your rewards structure to fit your needs. The available 3% bonus categories include gas stations, office supply stores, travel, TV/telecom and wireless services, computer services and business consulting services. For those with business credit cards who need the flexibility to switch the 3% cash-back category each month, this is a one-of-a-kind option.

Bank of America Business Advantage Travel Rewards World Mastercard

Annual fee: $0.

Sign-up bonus: 30,000 points after you spend $3,000 on purchases in the first 90 days of account opening — which can be redeemed for a $300 statement credit toward travel or dining-related purchases.

Earning rate: 3x on travel booked through Bank of America Travel Center and 1.5x roslyn savings bank east meadow all other purchases.

Why you should apply: For a no-annual-fee card, it has quite a lucrative earning potential — especially if you tend to book travel through a third-party platform such as Expedia. If you also qualify for the Bank of America Preferred Rewards program (more on that below), you could earn up to 25-75% more rewards, or an up to 3.75-5.25x rate on travel purchases. That earning rate beats the rates of plenty of top business credit cards on the market, and you don’t even have to pay an annual fee to take advantage of it.

How we chose the best Bank of America credit cards

After looking at Bank of America’s credit card lineup, we studied the cards’ pros and cons. We evaluated each card type and each card’s details. Bank of America cards can be broken down into three categories: Bank of America-branded cards, airline cards and business cards.

Bank of America’s branded cards are the issuer’s primary cards that can take advantage of the Preferred Rewards program. Airline cards are cobranded options for flyers loyal to certain airline programs. Business cards are similar to Bank of America’s consumer options but use a separate Preferred Rewards program.

When looking at each card within their respective categories, we evaluated the sign-up bonus, rewards, perks, redemption and annual fees before choosing which ones are worth looking at.

Bank of America application restrictions

Although not nearly as restrictive as Chase’s infamous 5/24 rule, Bank of America has its own system in place to limit the number of new accounts for which you can be approved, often referred to as the 2/3/4 rule. You can only be approved for:

  • Two cards in a rolling two-month period.
  • Three cards in a rolling 12-month period.
  • Four cards in a rolling 24-month period.

Note that this doesn’t apply to business cards issued by Bank of America, and also doesn’t count cards issued to you by another bank. If you max out all five of your slots with Chase, you shouldn’t have a problem turning around and applying for an offer like the 40,000 miles and Alaska’s Famous Companion Fare from $121 ($99 plus taxes and fees from $22) after you spend $2,000 on purchases in the first 90 days of account opening on the Alaska Airlines Visa Signature credit card.

However, there are reports of Bank of America adding restrictions to card application approvals that mirror Chase’s 5/24 rule. Although the exact threshold is unconfirmed, opening too many cards over the course of a year (across all issuers) could mean your Bank of America application is denied. Of course, you’re less likely to be denied if you have an existing customer relationship with the bank.

You should also know that you can’t be approved for a second version of the same card within 90 days of your first application, which means you can’t double-dip this elevated Alaska bonus to try and score a Cathay Pacific first-class award solely through sign-up bonuses.

Maximizing Bank of America Preferred Rewards

It’s no secret that Bank of America favors cardholders with whom it has banking relationships. This is less than ideal for anyone who keeps their money with other banks, but you can take advantage of a number of perks and boa credit card online login if you are a Bank of America customer who qualifies for the Preferred Rewards program. You can read all about the program here, but to qualify you’ll need:

  • An eligible Bank of America personal checking account.
  • A three-month average combined balance of $20,000 or more in a Bank of America account and/or Merrill investment accounts.

If you meet these requirements, your earning rates become significantly higher.

If you qualify for Platinum Honors, you’ll be earning 3.5x on dining and travel, plus 2.62x on all other purchases with the Bank of America Premium Rewards card. A 2.62% return makes that card one of the best options for non-bonus everyday spending.

If you aren’t currently banking with Bank of America, it might be worth moving some money over, like The Points Guy himself did when the Premium Rewards card launched. TPG’s Richard Kerr has also said for a long time that Bank of America Preferred Rewards is not a program to be ignored. Fixed-value cards get a little more appealing every time an airline devalues its award chart or restricts premium-cabin redemptions, and when you combine the above-average earning rates with the fact that you get “paid” $5 a year to keep the Premium Rewards card open, it begins to look very appealing.

The good news for those who currently have Preferred Rewards status is that you don’t have to worry about maintaining your balance right now. Bank of America recently sent out email updates to Preferred Rewards members stating that they’ve temporarily suspended their annual program review process. This means anyone with status right now should continue to receive the same level of benefits, even if you drop below the minimum balance requirement. They are still allowing people to qualify for tiers, though.

Bottom line

Uncovering the value of Bank of America’s credit cards takes a little more work than with other issuers. But between high-value cash back on everyday spending and one of the only cobranded credit cards worth consistently spending on, there’s too much here to simply ignore. At the very least, everyone should take a hard look at the Premium Rewards card and Alaska Airlines Visa Signature card. You might find that one of these cards has a worthwhile place in your wallet.

For additional reading, check out our picks for the best credit cards.

Additional reporting by Stella Shon.

Featured photo by John Gribben/The Points Guy.

Updated on 11/3/21.

Источник: https://thepointsguy.com/credit-cards/bank-of-america/

Is the Bank of America® Customized Cash Rewards credit card a Smart Option?

The Bank of America® Customized Cash Rewards credit card offers $200 in cash rewards after spending $1,000 on purchases in the first 90 days after opening a new account. 

Coupled with 3% cash back in your choice category, 2% cash back at grocery stores and wholesale clubs, and 1% cash back everywhere else, this card offers a great option to put cash back in your pocket with no annual fee. 2% and 3% bonus categories are limited to the first $2,500 in combined choice category/grocery store/wholesale club purchases every quarter.

New cardholders also enjoy 0% APR on purchases and balance transfers for the first 15 billing cycles. To qualify for 0% APR, balance transfers must be completed within 60 days of opening your new account.

Bank of America® banking customers get an even sweeter deal. Bank of America® Preferred Rewards members can earn a bonus of 25%-75% on cash back redemptions.

Smart Features

$200 Bonus Cash Back – After spending $1,000 on purchases in the first 90 days after opening a new account, earn $200 bonus cash back.

Up to 3% Cash Back – On your everyday purchases, enjoy up to 3% cash back. Earn 2% and 3% bonus categories are who pays for home warranty buyer or seller to the first $2,500 in purchases per quarter.

  • Smart Tip: If you plan to spend at least $2,500 per quarter at gas stations, skip using this card at grocery stores and wholesale clubs to maximize your 3% cash back. However, if you will spend less than $2,500 on gas don’t miss out on the 2% grocery store and wholesale club bonus.

No Annual Fee – This card does not charge an annual fee. Annual fees are common with rewards credit cards.

0% APR Intro Period – Pay no interest on purchases and balance transfers for 15 billing cycles after opening a new account. Automatically get 0% APR on purchases. Complete balance transfers within 60 days to qualify for 0% APR. A 3%  ($10 minimum) fee applies to balance transfers.

Fraud Protection – This card automatically looks for unusual payment activity and blocks potential fraud when suspected. Pay $0 for fraudulent purchases.

ShopSafe® Online Security – Each time you use your Bank of America® Customized Cash Rewards credit card for online shopping, you can generate a temporary credit card number so your real number never goes online.

EMV Security Chip – Enjoy enhanced protection at participating merchants at chip enabled terminals around the world. Over 130 countries participate in the EMV security chip standard.

Digital Wallet Enabled – Use your Bank of America® Customized Cash Rewards credit card with Apple Pay, Android Pay, or Samsung pay for even more secure and convenient purchasing. Just hold your phone above the terminal and the rest happens automatically!

FICO® Score – Enrolled cardholders can view their FICO® credit score for free. Your score is updated monthly and available through online banking or the Bank of America® mobile app.

  • Smart Tip: Some companies charge you a fee to get your FICO® credit score. Take advantage of the chance to monitor your FICO® score for free with this card and track your progress towards an excellent score.

Overdraft Protection – Link this card to your Bank of America® checking account to avoid expensive and embarrassing overdrafts. Transfer fees apply.

Text Banking – Don’t worry about mobile apps and websites. Get your most important banking information in seconds with a quick text message to Bank of America®.

How it Works

Earn 3% cash back in your choice category. Choose from gas, online shopping, drug stores, home improvement, furnishings or travel. Keep the category the same or change it up once each month using your mobile banking app or online banking. You will also receive 2% cash back at grocery stores and wholesale clubs. There is a limit up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. Once you reach your limit for the quarter, you will receive 1% cash back. All other purchases outside these categories will automatically receive 1% cashback.

0% APR applies to all purchases for the first 15 billing cycles. To qualify for 0% APR, balance transfers must be requested within 60 days of opening your new account. Pay 3% (min.$10) for balance transfers. After the 0% APR period ends, you will be charged 13.99% - 23.99% Variable APR on purchases and balance transfers. Your interest rate is based on your credit history.

What’s the Catch

2% at grocery stores and wholesale clubs and 3% in your choice category are limited to the first $2,500 in combined purchases from these categories per quarter. If you quickly spend that amount in the 2% cash back rewards categories, you miss out on the 3% bonus cash back for your choice category. The 1% difference is worth up to $25 per quarter or $150 per year. The total you can earn at just with the 3% category is $300 per year. After reaching the 2% and 3% quarterly limits, you continue to earn 1% cash back on all purchases in those categories.

Balance transfers charge 0% APR for the first 15 billing cycles if you complete them within 60 days of opening a new account. If you were to transfer a $5,000 balance that is currently charging 20%, for example, you must pay a $150 transfer fee. However, at 20% APR, you would pay $1,000 on that balance over the course of 15 billing cycles. Even with the transfer fee, you could still end up saving money.

Just the Math Please

The amount you earn is based on how much you spend on the card. Earn up to $300 per year in bonus cash back if you spend the whole $2,500 per quarter just at gas stations. Most users will see less cash back if a portion of your bonus cash back is earned at grocery stores or wholesale clubs.

The 0% APR introductory period offers a big opportunity to save money on expensive credit card interest charged by other cards. Even after the 3% or $10 (whichever is greater) balance transfer fee, you are still likely saving money compared to paying interest on another card.

The minimum interest charge is $1.50 on billing cycles when you are charged interest.

Interest Rates

Annual percentage Rate (APR) for Purchases

0% Intro APR for 15 billing cycles for purchases. After, a 13.99% - 23.99% Variable APR on purchases and balance transfers variable APR will apply. This APR will vary with the Prime Rate. 

APR for Balance Transfers

0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days. After, a 13.99% - 23.99% Variable APR on purchases and balance transfers variable APR will apply. This APR will vary with the Prime Rate. 

APR for Cash Advances

See Terms

Penalty APR and When it Applies

Up to 29.99% variable

How Long Will the Penalty APR Apply?

If your APRs are increased due to a late payment, the new rate applies indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing period. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

No less than $1.50

Fees

Annual Fee: 

$0

Transaction Fees

  • Balance Transfer: 3% of the amount of each transaction or $10, whichever is greater.

  • Direct Deposit and Check Cash Advances: See Terms

  • ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: See Terms

  • Foreign Purchase Transaction: 3% of the U.S. Dollar amount charged after currency conversion

Penalty Fees

  • Late Payment: Up to $40

  • Returned Payment: Up to $29

The Bottom Line

With a huge $200 cash back signup bonus and 0% APR for 15 billing cycles on purchases and balance transfers, this card is an incredible deal. Considering that the card has no annual fee, there is no harm in keeping it in your wallet for many years to come.

Because the card’s 3% cash back rate in one choice category and 2% cash back rate at supermarkets are limited to the first $2,500 in combined quarterly purchases, this card may not be the right option for huge spenders. The foreign transaction fee also makes this card less of a draw for frequent international travelers.

Overall, this card is a great option and one of the best cash back cards with no annual fee on the market today. It is popular with good reason and is a great choice for your everyday purchases.

Next Steps

  • Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors in your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • Saving money is easier said than done, but having a high-yield savings account is a great start. To see what's available today, take a look at our overview of the top savings accounts.

Save more with these rates that beat the National Average

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Источник: https://smartasset.com/credit-cards/bank-of-america-cash-rewards-review

Online Banking

1Wireless carriers may charge fees for text transmissions or data usage. Message frequency depends on account settings. Text HELP to BKWST (25978) for help. Availability of Mobile Banking may be affected by your mobile device's coverage area.

2Zelle is available to almost any bank account in the U.S.

3Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll.

4Requests sent to a recipient’s email address that is not enrolled in Zelle will include an invite to enroll in Zelle before the request can be processed. Bank of the West cannot process requests using a recipient’s mobile phone number that is not enrolled in Zelle.

**Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Paribas.

Brokerage account balances are provided as a courtesy, may not reflect your accounts' most recent transactions or activity, and provide an aggregate summation of current position balances based on closing values of the previous business day. In the event of a discrepancy, your Investment account statement is the official record for account information. If you have questions about your account, please contact your Financial Advisor or call a BancWest Investment Services client representative at 1-800-338-3919. For general questions about Online Banking, please call 1-800-488-BANK (2265), option 3, TTY 1-800-659-5495, Monday through Friday, 4 a.m. – 10 p.m. Pacific time, and Saturdays, Sundays and most holidays, 5 a.m. – 10 p.m. Pacific time.

Zelle and the Zelle related marks are wholly owned by Early Warning Boa credit card online login, LLC and are used herein under license.

Investment and Insurance Products:

  • NOT FDIC INSURED
  • NOT BANK GUARANTEED
  • MAY LOSE VALUE
  • NOT A DEPOSIT
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Источник: https://www.bankofthewest.com/personal-banking/online-banking/overview.html

Bank of America issues cards designed for people with a range of credit scores, from no credit to bad credit to good credit. It offers cards for:

Although you won’t find any high-end credit card offers here (you won’t see any cards with annual fees higher than $95), you’ll find a few cards with low fees (or no fees) that are surprisingly rewarding for the price.

Cash Back Rewards

Rewards
  • No annual fee
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99%–23.99% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Rewards
Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% for 15 billing cycles
  • Regular Balance Transfer APR13.99%–23.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99% Variable
  • Late FeeUp to $40
  • Returned Payment FeeUp to $29
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3%

The Bank of America® Customized Cash Rewards Card (Review) is a valuable cash back card, with flexible bonus categories for common expenses that many people have every week. Your 3% and 2% rates are limited to $2,500 in combined quarterly purchases. You’ll also get a nice online cash rewards bonus and pretty long 0% intro periods for purchases and balance transfers.

Travel Rewards

Bank of America issues two travel credit cards for consumers, one with no fee and one with a mid-range fee.

Rewards
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction boa credit card online login and your points don't expire
  • 25,000 bonus points for spending $1,000 in the first 90 days after account opening
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 13.99%–23.99% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Rewards
Spending Rewards
  • 3X points per dollar at the Bank of America Travel Center
  • 1.5X points per dollar on all other purchases
Introductory Bonus
  • 25,000 bonus points for spending $1,000 in the first 90 days after account opening
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR13.99%–23.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99% Variable
  • Late FeeUp to $40
  • Returned Payment FeeUp to $29
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeNone

The Bank of America® Travel Rewards Credit Card (Review) is a decent no-fee travel card, although you can’t transfer points to airline or hotel partners. However, you will be able to redeem your points for statement credits towards eligible travel expenses like baggage fees, rental cars, flights, or hotels.

Rewards
  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don’t expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill Edge® and Merrill Lynch® accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined boa credit card online login incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Rewards
Spending Rewards
  • 2X points per dollar for:
  • 1.5X points per dollar for all other purchases
Introductory Bonus
  • 50,000 bonus points for spending $3,000 in the first 90 days
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR15.99%–22.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99% Variable
  • Late FeeUp to $40
  • Returned Payment FeeUp to $29
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeNone

An upgrade to the card above, the Bank of America® Premium Rewards® Credit Card (Review) is a good travel rewards card that offers valuable perks like annual statement credits, which can completely offset the $95 annual fee.

Student Credit Cards

Bank of America issues a few credit cards designed for students with limited or no credit history.

CardRewards
Bank of America Customized Cash Rewards™ Credit Card for Students (Review)
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 in combined spending per quarter, then 1% cash back
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
Bank of America Travel Rewards® Credit Card for Students
  • 3X points per dollar on purchases from the Bank of America travel center
  • 1.5X points per dollar for all other purchases
  • 25,000 bonus points when you spend $1,000 in the first 3 months
Rewards
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99%–23.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click “Apply Now” to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • No annual fee
Rewards
Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 in combined spending per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% for 15 billing cycles
  • Regular Balance Transfer APR13.99%–23.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99% Variable
  • Late FeeUp to $40
  • Returned Payment FeeUp to $29
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3%

Like the regular Cash Rewards card, your choice category/grocery/wholesale club bonus rewards are limited to the first $2,500 spent each quarter.

Rewards
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $250 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 17.24%–25.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • Access your FICO® Score, updated monthly, for free from TransUnion
  • If you're a Preferred Rewards client, you can boa credit card online login that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Rewards
Spending Rewards
  • 3X points per dollar on purchases from the Bank of America travel center
  • 1.5X points per dollar for all other purchases
Introductory Bonus
  • 25,000 bonus points when you spend $1,000 in the first 3 months
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR14.99%–22.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99% Variable
  • Late FeeUp to $40
  • Returned Payment FeeUp to $29
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee0%

One of the better student travel cards (in terms of rewards, intro bonus, and benefits) this is a lot like the regular consumer BofA Travel Rewards Card.

Secured Credit Cards

Bank of America provides one secured credit card, the BankAmericard® Secured Credit Card, which requires a refundable security deposit and is designed to help people build their credit.

Rewards
  • No application fees or activation fees
  • Credit line of $300–$4,900
  • Your maximum credit line is determined by your individual ability to pay based on the income that you provide and your security deposit
  • Important account information is shared with the 3 major credit bureaus—helping you build your credit history
  • After 12 months, you may qualify to have your security deposit returned while you continue to use your card
  • Get free access to your Amazon locker irvine Score from TransUnion, updated monthly.
  • Access to credit education topics like using credit cards responsibly, budgeting and more
  • No annual fee
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR22.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeUp to $40
  • Returned Payment FeeUp to $29
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3%

Co-Branded Airline Credit Cards

Bank of America is partnered with a variety of airlines, and offers co-branded cards for frequent flyers.

Air France KLM

Rewards
  • $100 statement credit + 50,000 bonus miles for spending $2,000 in the first 3 months
  • 5,000 bonus miles every year on your account anniversary after you spend $50 or more within the anniversary year
  • 60 XP upon account approval, 20 XP every year on your account anniversary, and another 40 XP when you spend $15,000 within the anniversary year
  • Earn 3X miles per $1 spent directly on Air France, KLM Royal Dutch Airlines, and SkyTeam member airlines, and 1.5X miles per $1 spent on all other purchases
  • Redeem miles toward flights with any SkyTeam member airline to over 1,000 destinations worldwide
  • View your FICO score any time you'd like at no cost, based on your TransUnion credit report
  • Overdraft protection when you link your Bank of America business checking account
  • No mileage cap on the amount of miles you can earn
  • No foreign transaction fees
  • $89 annual fee
Rewards
Spending Rewards
  • 3X miles per dollar spent directly at:
    • Air France
    • KLM Royal Dutch Airlines
    • SkyTeam member airlines
  • 1.5X miles per dollar spent on all other purchases
Introductory Bonus
  • $100 statement credit + 50,000 bonus miles for spending $2,000 in the first 3 months
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR15.99%–23.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99% Variable
  • Late FeeUp to $40
  • Returned Payment FeeUp to $29
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeNone

Alaska Airlines

Rewards
  • NEW - 40,000 Bonus Mile + Alaska's Famous Companion Fare™ Offer.
  • Get 40,000 bonus miles and Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • Get Alaska's Famous Companion Fare™ every year! EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com.
  • Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
  • Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Alaska Airlines Hotels.
  • Earn unlimited miles and travel with no blackout dates and no foreign transaction fees.
Rewards
Spending Rewards
  • 3X miles per dollar spent on Alaska Airlines & Virgin America purchases
  • 1X mile per dollar spent on all other purchases
Introductory Bonus
  • 40,000 bonus miles and a Companion Fare for spending $2,000 in the first 90 days
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR15.99%–23.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99% Variable
  • Late FeeUp to $40
  • Returned Payment FeeUp to $29
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeNone

Allegiant Air

Rewards
  • 15,000 bonus points after spending $1,000 within the first 90 days of account opening
  • 3X points per $1 on Allegiant purchases, 2X points per $1 on qualifying dining purchases, and 1X point per $1 on all other purchases
  • Complimentary priority boarding and one free beverage every time you fly Allegiant
  • Buy one, get one free airfare whenever you use your card to purchase an eligible vacation package from Allegiant
  • View your FICO score any time you'd like at no cost, based on your TransUnion credit report
  • Overdraft protection when you link your Bank of America checking account
  • No blackout dates, no destination restrictions, no minimum point redemptions
  • No foreign transaction fee
  • $59 annual fee
Rewards
  • 3X points per dollar on Allegiant purchases
  • 2X points per dollar on Dining
  • 1X point per dollar for all other purchases
Introductory Bonus
  • 15,000 bonus points after spending $1,000 within the first 90 days of account opening
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR15.99%–23.99% Variable
  • Balance Transfer Fee3%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
Источник: https://www.creditcardinsider.com/credit-cards/bank-of-america/

Personal & Small Business sign-in

Get it on the App Store
Download the Bank of America App

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Get it on the App Store
Download the Bank of America App

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Or we can send you a link by email

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Get it on Google Play
Download the Bank of America App

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Get the mobile banking app

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Источник: https://www.bankofamerica.com/online-banking/sign-in/

Card and Comprehensive Payables

These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").

USE OF SITES

Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

  • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
  • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
  • alter, decompile or reverse engineer any software component of the Sites.

All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Boa credit card online login Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

SECURITY

Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

NO OFFERS

Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any diy bb gun target trap restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

DISCLOSURE OF INTEREST

Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, boa credit card online login acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

ACCOUNT INFORMATION

Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

PRICING AND MARKET INFORMATION

Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.

HYPOTHETICAL OR PAST PERFORMANCE

Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general wells fargo banca por internet designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

MATERIAL IN ITS ENTIRETY

All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

LINKED SITES

Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

CONTENT AND SERVICE AVAILABILITY

Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

CONSENT TO ELECTRONIC DELIVERY

You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.

NO WARRANTY

Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as bank of america mortgage loan status advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Boa credit card online login any assurance or guarantee as to the expected results of a Transaction.

COMPLIANCE WITH LAWS AND INDEMNITY

The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.

Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.

  • FOR RESIDENTS OF BRAZIL:

    The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.

  • FOR RESIDENTS OF CANADA:

    The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.

  • FOR RESIDENTS OF FRANCE:

    The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.

  • FOR RESIDENTS OF GERMANY:

    The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.

  • FOR RESIDENTS OF HONG KONG:

    Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.

  • FOR RESIDENTS OF IRELAND:

    Access to the Sites is by invitation only to professional investors.

  • FOR RESIDENTS OF ITALY:

    Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.

  • FOR RESIDENTS OF JAPAN:

    Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.

  • FOR RESIDENTS OF KOREA:

    Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.

  • FOR RESIDENTS OF NETHERLANDS:

    Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.

  • FOR RESIDENTS OF SINGAPORE:

    Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.

LIMITATION OF LIABILITY

THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER Boa credit card online login IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.

UK CONDITIONS

Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.

CHANGES TO AGREEMENT

Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.

GOVERNING LAW

This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit wells fargo business account reviews jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.

THIRD-PARTY LICENSORS

The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

  • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
  • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
  • restrict the copying of Boa credit card online login Programs to that number reasonably required for Client use and backup purposes
  • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
  • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
  • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
  • comply with all export laws in respect of Licensed programs;
  • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
  • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.

BOFA SECURITIES, INC. – FURTHER INFORMATION

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., all of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2021 Bank of America Corporation.

Источник: https://business.bofa.com/en-us/content/card-solutions.html

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Reference ID: 18.17ecc017.1638569606.f3e3e24

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Источник: https://www.citi.com/

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