Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Concierge benefit details — No annual fee
Get email and text alerts for payment due dates, payments, balance changes, and suspicious activity.
Link your BoA checking account for overdraft protection with no transfer fees on credit card advances.
Access Better Money Habits resources to learn budgeting, credit building, and financial planning.
Use contactless tap-to-pay technology for quick, secure transactions at participating retailers.
Add your card to Apple Pay, Google Pay, or Samsung Pay for contactless in-store and in-app payments.
Check your FICO Score for free each month through Online Banking or the Bank of America mobile app.
Pay 0% interest on purchases and balance transfers for 21 billing cycles when transfers are made within 60 days of account opening.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Keep the card open with no annual fee while building credit as a student.
Paying late won't raise your interest rate, unlike most cards that impose penalty APRs up to 29.99%.
