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A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
Intro Balance Transfer APR | N/A |
Regular Balance Transfer APR | 16.99%–24.99% Variable |
Balance Transfer Fee | 3%, $10 minimum |
Penalty APR | Up to 29.99% Variable |
Late Fee | Up to $39 |
Returned Payment Fee | Up to $28 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | None |
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 19.99%–26.99% Variable |
Cash Advance Fee | 5%, $10 minimum |
Bank of America has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe Amtrak Guest Rewards World Mastercard from Bank of America provides points for travel purchases, particularly from Amtrak but also for other qualifying expenses.
You’ll get 3X points per dollar spent on Amtrak travel (including onboard purchases), 2X points per dollar spent on other qualifying travel, and 1X point per dollar spent on all other purchases. You can get a signup bonus of 20,000 points for spending $1,000 in the first 90 days.
You’ll also get a few nice benefits to make your rides a bit cheaper and more comfortable, like companion passes and a complimentary station lounge pass for a single visit after you open your account.
This card has a $79 annual fee.