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Shortened Balance Transfer Intro Length BofA Logic Update SEOD-275 and SEOD-276

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Bank of America^® Travel Rewards credit card

LendingTree's Review

4.3

Bank of America<sup>®</sup> Travel Rewards credit card

LendingTree's Review

4.3

Apply Now

on Bank Of America's secure site

Intro Balance Transfer Length0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days; after that, a XX.XX% - XX.XX% Variable APR applies.

Rewards Rate1.5X points

Welcome Offer25,000 points

Recommended Credit

660-850

Good / Excellent

Get Your Free Credit Score

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 as long as your account remains open.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
X% Intro APR for XX billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently XX.XX% - XX.XX% will apply. A X% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is X%.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Citi Simplicity^® Card

LendingTree's Review

4.8

LendingTree's Review

4.8

Apply Now

on Citibank's secure site

Rates & Fees

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% - 29.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Stay protected with Citi® Quick Lock

Chase Freedom Flex℠*

LendingTree's Review

4.5

LendingTree's Review

4.5

Learn More

Intro Balance Transfer Length15 months

Rewards Rate1% - 5% cash back

Welcome Offer$200 cash back

Recommended Credit

660-850

Good / Excellent

Get Your Free Credit Score

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Credit Card Comparison

Credit Cards	Our Ratings	Intro Balance Transfer Length	Rewards Rate	Welcome Offer
Bank of America^® Travel Rewards credit card Apply Now on Bank Of America's secure site	4.3 Bank of America	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days; after that, a XX.XX% - XX.XX% Variable APR applies.	1.5X points 1.5 points per $1 spent on all purchases.	25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases	Apply Now on Bank Of America's secure site
Chase Freedom Flex℠* Learn More	4.5 Non Bank of America	15 months 0% intro APR on balance transfers for 15 months; after that, a 19.99% - 28.74% variable applies.	1% - 5% cash back Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate Enjoy new 5% categories each quarter Earn 5% cash back on travel purchased through Chase Ultimate Rewards® Earn 3% on dining and drugstores Earn 1% on all other purchases	$200 cash back Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.	Learn More

*The information for the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Kristen Grau

Expertise: Credit cards, credit health, credit scoring
Education: Florida Atlantic University

Kristen Grau is a staff writer at LendingTree, where she focuses on credit cards.

Before joining LendingTree in 2022, she wrote about small business taxes for an accounting firm in Orlando. She’s also covered personal finance and credit topics for the personal finance site Debt.com, as well as student finance topics for the education site BestColleges.com. Kristen loves to help people make financial decisions through content that’s empowering and easy to understand.

Kristen studied journalism at Florida Atlantic University.