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NEA® RateSmart® Mastercard®

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Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 9.99%–19.99% Variable
Intro Balance Transfer APR: 0% for 18 months (must be made within 60 days of account opening)
Intro Purchase APR: 0% for 18 months

NEA® RateSmart® Mastercard®

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

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 APR 0% for 18 months (must be made within 60 days of account opening)
Regular Balance Transfer APR 9.99%–19.99% Variable
Balance Transfer Fee 3%, $10 minimum
How to Transfer a Balance on a Credit Card


Penalty APR 0%
Late Fee Up to $40
Returned Payment Fee Up to $29
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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 12.99%–28.99% Variable
Cash Advance Fee 3%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Free Credit Score
  • Zero Liability on Unauthorized Charges
NEA® RateSmart® Mastercard®


  • Purchase and balance transfer APR: 0% for 18 months, then 9.99%–19.99% Variable
  • Zero fraud liability protection
  • Contactless card
  • Free FICO score access
  • No annual fee

Bank of America

Bank of America has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-877-721-9398 or

Try a different phone number
See all Issuer Cards

The NEA RateSmart® Mastercard® is a decent credit card due to the long introductory APR periods for purchases and balance transfers, as well as the potential for a low regular APR.

You’ll have a purchase and balance transfer rate of 0% for 18 months, then your rate will be 9.99%–19.99% Variable.

This card doesn’t earn any rewards, and has no annual fee.

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