No annual fee. $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening. Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. No changing categories and no expiration on rewards. 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers. Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account. If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store.