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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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Shortened Balance Transfer Intro Length BofA Logic Update SEOD-275 and SEOD-276

KristenGrau_headshot-002-300×300Written by
Kristen Grau
robin-300×300Edited by
Robin Ratcliff
Published on:
Content was accurate at the time of publication.

Bank of America® Travel Rewards credit card*

Bank of America<sup>®</sup> Travel Rewards credit card Bank of America<sup>®</sup> Travel Rewards credit card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.3
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Intro Balance Transfer Length0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days; after that, a 18.24% - 28.24% Variable APR on balance transfers applies.
Rewards Rate1.5X - 3X points
  • 1.5 points per $1 spent on all purchases. 
  • 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Welcome Offer25,000 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
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 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.
  • 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.
  • Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
  • 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.
  • 0% Intro APR for 15 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 18.24% - 28.24% will apply. A 3% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
  • 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. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
  • 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.
*The information related to the Bank of America® Travel Rewards credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Citi Simplicity® Card*

Citi Simplicity<sup>®</sup> Card Citi Simplicity<sup>®</sup> Card
LendingTree's Reviewtooltip-question

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.8
Learn More
Intro Balance Transfer Length0% intro APR for 21 months on Balance Transfers; after that, a 18.24% - 28.99% (Variable) applies.
Rewards RateN/A
Welcome OfferN/A
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, 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
*The information related to the Citi Simplicity® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Chase Freedom Flex℠*

Chase Freedom Flex℠ Chase Freedom Flex℠
LendingTree's Reviewtooltip-question

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.5
Learn More
Intro Balance Transfer Length15 months
0% intro APR on balance transfers for 15 months; after that, a 19.49% - 28.24% variable applies.
Rewards Rate1% - 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
Welcome Offer$200 cash bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
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 19.49% - 28.24%.
  • 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.

The information related to the Chase Freedom Flex℠ has been independently 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.

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