Product Disclosure

\n \n

†Details of Rate, Fee and Other Cost Information

Account terms are not guaranteed for any period of time. All terms, including fees and APRs for new transactions, may change in accordance with the Credit Card Agreement and applicable law based on information in your credit report, market conditions, business strategies, or for any reason. Please review all of these materials so that you are fully informed about the terms of this credit card offer.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	19.74% to 27.74%, based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	19.74% to 27.74%, based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	22.74% to 28.74%, based on your creditworthiness, when you open your account, for Direct Deposit and Check Cash Advances, and 29.49% for Bank Cash Advances. See footnote^{Footnote 1} for explanation. These APRs will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if you: • Make a late payment. How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR will apply indefinitely.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases if you pay your entire balance or your Interest Saving Balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.
Monthly Custom Pay Plan Fee (Fixed Finance Charge)	Monthly fee of 1.72% of the amount of Purchases initially assigned to a Custom Pay Plan. See footnote^{Footnote 2} for explanation.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Please see the next page for a continuation of the Details of Rate, Fee and Other Cost Information.

Fees
Annual Fee	NOTICE: The annual fee is scheduled to be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if you are assigned the minimum credit limit of $500, your initial available credit will be only about $411. $89
Transaction Fees
• Balance Transfer	5% of the amount of each transaction.
• Cash Advance	Direct Deposit and Check Cash Advances: 5% of the amount of each transaction. ATM, Over the Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction.
• Foreign Transaction	None
Penalty Fee
• Late Payment	Up to $41. See footnote^{Footnote 3} for explanation.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Payments are allocated to posted balances. We will first allocate the amount of your payment equal to the Total Minimum Payment Due to any Custom Pay Plan Payment due, then to the lowest APR balances in turn. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs, and finally to any Custom Pay Plan balances.

Variable Rates are calculated by adding an index and a margin. The index is the highest U.S. Prime Rate published in The Wall Street Journal "Money Rates" section on each month's last publication day. As of 09/30/2026 the index was 7.0%. After your account is opened, changes to the index will cause a corresponding change to your variable rate.

Balance Transfers and certain Cash Advances, such as Direct Deposits, are made available to you at our discretion.

¹ Bank Cash Advances include the following Cash Advance types: ATM, Over the Counter, Same-Day Online, Overdraft Protection and Cash Equivalent (foreign currency, money orders, wire transfers, travelers checks, or to obtain cash, each from a non-financial institution, or person-to-person money transfers, bets, lottery tickets purchased outside the United States, casino gaming chips, cryptocurrency to the extent accepted, or bail bonds).

² The monthly fee will be disclosed at the time the Custom Pay Plan is created, will never exceed a monthly fee of 1.72%, and does not change over the life of the Plan. The fee will be charged monthly until the Plan balance is paid in full. The total of all Monthly Custom Pay Plan Fees billed for any specific Plan will not exceed the sum of the original Monthly Custom Pay Plan Fee times the original total number of monthly payments established for the Plan. The fee for each Custom Pay Plan is based on the Plan duration, the amount of Purchases assigned to the Plan, the APR that would otherwise apply to those Purchases, and other factors.

³ More Information about the Penalty Fee and Penalty APR
Penalty Fee: If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $30 will be assessed; $41 for subsequent occurrences that are within 6 billing cycles of a previous occurrence. However, the Late Payment Fee will not exceed the Total Minimum Payment Due. If your balance is $100 or less on the Payment Due Date, we will not assess a Late Payment Fee.
Penalty APR: Your Penalty APR will not exceed 29.99% on new transactions. There is no Penalty APR on existing balances.

CONDITIONS

The words “you” and “your” apply to each person who submits the application. You have read the accompanying application, and affirm that everything you have stated is true and complete. You are at least 18 years of age or at least 21 years of age if a permanent resident of Puerto Rico. In order to be eligible for this offer, your residential address must be in one of the following locations: any of the 50 United States, Washington D.C., APO/FPO/DPO, Guam, Puerto Rico, Northern Mariana Islands, American Samoa or U.S. Virgin Islands. You authorize Bank of America, N.A. (hereinafter “we”, “us” or “our”) to obtain your credit report(s), employment history and any other information in order to approve or decline this application, service your account, and manage our relationship with you. As part of this authorization, we may also obtain and use information about your accounts, such as checking and savings, that you have with us and others, from our own records, consumer reporting agencies and other entities. If you ask, we will tell you the name and address of any consumer reporting agency that provided the report(s) to us. You consent to our sharing of information about you and your account with the organization, if any, endorsing this credit card program. You authorize us to share with others, to the extent permitted by law, the information and our credit experience with you. You may as a customer later indicate a preference to exempt your account from some of the information-sharing with other companies (“opt-out”). In order to request that we add an Authorized User to your account, you must (1) be eligible to add the person to the account; (2) acknowledge to us that you have obtained the expressed permission of the person to be added to the account and that certain information about that person will be shared with us; (3) provide us with that person's information, which may include full legal name, date of birth, social security/tax identification number, primary address, their relationship to you, and citizenship status; and (4) inform that person that we report the account to the Consumer Reporting Agencies, which means the account and account activity may appear on that person's credit report. If the request is approved, you must provide the Authorized User(s) with a copy of the Credit Card Agreement, which will be sent to you with your new account materials. If you accept or use an account, you do so subject to the terms of this application, the “Details of Rate, Fee and Other Cost Information” and the Credit Card Agreement, as it may be amended; you also agree to pay and/or to be held jointly and severally liable for all charges incurred under such terms. Any changes you make to the terms of this application will have no effect. You understand that the Annual Percentage Rate you receive will be determined based on your creditworthiness. You understand that only a portion of your Total Credit Line will be available for Bank Cash Advances. You also understand that if you have existing credit card accounts with Bank of America, we may use the available credit on the existing account(s) to approve your new credit card which could include moving credit from an account with a lower annual percentage rate and/or fee structure to a higher annual percentage rate and/or fee structure without increasing your overall credit limit. You accept that on a periodic basis your account may be considered for automatic upgrade at our discretion. You consent to and authorize us, any of our affiliates, or our marketing associates to monitor and/or record any of your phone conversations with any of our representatives. You further consent to our use of automatic dialers, text, or prerecorded messages for servicing your account even if the telephone number is a mobile telephone number for which the called party is charged. If additional development is necessary based on the application information provided, we will make every attempt to contact you. You may receive different Bank of America promotional credit card offers by various methods, i.e. mail, in person or email/online. These promotional offers may have different terms based on how Bank of America introduces them. To ensure you respond to the correct offer, please apply using the options described in the original offer received.

FEATURES

New Account Bonus Miles and XP Offer. You will qualify for 50,000 bonus miles and 100 XP if you use your new credit card account to make any combination of purchase transactions totaling at least $2,000 (excluding any fees, such as the annual fee) that post to your account within 90 days of the account open date. Returns, credits, and adjustments to this card will be deducted from purchases, even if this card was not the original payment method. Cash Advances and Balance Transfers are not considered purchases and do not apply for purposes of this offer. Limit of one bonus miles offer per new Air France KLM credit card account, and limit of one new account XP bonus per Flying Blue member within any 24-month period, regardless of how many Air France KLM credit card accounts are opened. This one-time promotion is limited to customers opening a new account in response to this offer and will not apply to requests to convert existing accounts. Your account must be open with active charging privileges in order to receive this offer. Other advertised promotional bonus miles and XP offers can vary from this promotion and may not be substituted. Allow 1 - 2 billing cycles from qualifying for the bonus miles and XP to post to the primary cardholder's Flying Blue account. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither we, nor our affiliates, provide tax advice.

Air France KLM Credit Card Program Summary. How You Earn Miles: You earn miles when you use your card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn miles: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 Miles: Earn 1.5 miles for every $1 of Net Purchases charged to the card each billing cycle. 3 Miles: Earn 3 miles (not in addition to 1.5 miles) for every $1 spent on eligible Net Purchases made directly with Air France, KLM Royal Dutch Airlines and SkyTeam member airlines, and at eligible Dining merchants. Members are able to purchase miles and pay to transfer miles to other members' Flying Blue accounts. The purchase of Flying Blue miles will not earn 3 miles for every $1 spent. Full details of the buy miles, gift miles, and transfer miles can be found at flyingblue.us under the relevant sections. Please allow 1 - 2 billing cycles for miles to be credited to your Flying Blue account. Member Airlines and Dining Category Processing: Merchants who accept Visa/Mastercard are assigned a merchant category code (MCC) based on the type of products or services they primarily sell. Merchants, not Bank of America, categorize and submit purchases, so some purchases may not fall into the category where you might expect them to appear. When this occurs, purchases with that merchant won't qualify to receive the member airlines or Dining category earn rate of 3 miles for every $1 spent. Purchases made at a merchant that does not process under an eligible MCC or processes through a third-party payment account, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs will not qualify for the member airlines or Dining category earn rate of 3 miles for every $1 spent. For those Net Purchases, you will earn 1.5 miles for every $1 spent. How You Use Your Miles: Earned miles can be redeemed for flights booked directly through Air France or KLM and seat upgrades with Air France, KLM Royal Dutch Airlines and SkyTeam member airlines. You can also redeem for hotel stays, car rentals, and more. Visit flyingblue.us for information on redemption and redemption minimums. By submitting the credit card application, you agree to the Flying Blue terms and conditions.

Anniversary Bonus Miles and XP (Experience Points): If your account is open with active charging privileges on your annual account anniversary you will earn 5,000 anniversary miles when you have a total spend of at least $50 in Net Purchases (excluding any fees, such as the annual fee) within the anniversary year with the card. Receive 20 XP every year on your account anniversary. Earn an additional 80 XP (totaling 100 XP) on the account anniversary when you have a total spend of at least $15,000 in Net Purchases (excluding any fees, such as the annual fee) within the anniversary year with the card. Earn an additional 60 XP (totaling 160 XP) on the account anniversary when you have a total spend of at least $25,000 in Net Purchases (excluding any fees, such as the annual fee) within the anniversary year with the card. Cash Advances and Balance Transfers are not considered purchases and do not apply for purposes of this anniversary bonus miles and XP benefit. Earned anniversary bonus miles and XP will be posted to the primary cardholder's Flying Blue account each year within 1 - 2 billing cycles of the anniversary date.

Flying Blue Program Enrollment: By submitting your credit card application you consent to sharing of information about you and your account to Air France, KLM, and Flying Blue so that you can be enrolled into the Flying Blue program and so that your credit card account can be linked to your Flying Blue account. Only Air France KLM Flying Blue program members are eligible to earn and redeem miles and XP. The email that you provide on your card application will be linked to your Flying Blue account. All miles earned will be deposited to the primary cardholder's Flying Blue program account. By submitting the credit card application, you agree to the Flying Blue terms and conditions.

Miles Expiration and Forfeiture: Miles are subject to expiration and forfeiture. Visit flyingblue.us for the terms and conditions that address miles expiration and forfeiture. Rewards Program Rules: The Flying Blue program is offered and administered by Air France KLM and is not a product or program of Bank of America. All Flying Blue program terms and conditions apply. Visit flyingblue.us for complete Flying Blue program details. Your credit card Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change.

Mobile Banking. Mobile Banking requires that you download the Mobile Banking app and may not be available for select mobile devices. Message and data rates may apply.

Alerts. You may elect to receive alerts via Mobile app push notification, text or email. Factors outside of our control may affect when you receive alerts from us. These include your email provider, email settings, your mobile carrier, and/or device and app settings. Device must support ability to receive push notifications. Mobile app alerts are not available for all devices or in our web-based Mobile Banking. Bank of America does not charge for alerts, but your mobile carrier's message and data rates may apply.

$0 Liability Guarantee. The $0 Liability Guarantee covers unauthorized transactions made using your credit card account. Notify us immediately of any unauthorized use. Claims must be reported promptly and can be filed by an account holder or Authorized Users against pending and posted transactions, and may be subject to dollar limits and verification.

Card Benefits. Certain restrictions apply to each benefit. Details accompany new account materials.

Overdraft Protection. Transfers through our Balance Connect^® for overdraft protection service to your eligible Bank of America deposit account from your credit card account will be Bank Cash Advances under your Credit Card Agreement. Transfers will be subject to the terms of both your Credit Card Agreement and the account agreement(s) and disclosures governing your Bank of America deposit account. Overdraft Protection transfers may not be available for up to 14 days from account opening. If you link your Bank of America deposit account to your credit card for Overdraft Protection, we will automatically transfer funds from your credit card account to cover overdrafts on your deposit account, as long as the portion of credit available for cash on your credit card account is sufficient and you are not in default under your Credit Card Agreement. Overdraft Protection transfers from a linked credit card will be made up to the amount required to cover the overdraft. The Overdraft Protection Cash Advance will accrue interest at the APR stated in your Credit Card Agreement, which may be greater than the rate charged for overdraft protection transfers from other eligible accounts to your deposit account. Overdraft Protection transfers incur interest charges from the transaction date. If the portion of credit available for cash on your credit card account is insufficient to cover the amount required by the overdraft, we may advance the funds even if it causes your credit card account to exceed your Cash Credit Line. Please see your Credit Card Agreement for additional details.

BALANCE TRANSFERS

If the total amount you request exceeds your Total Credit Line, we may send full or partial payment to your creditors in the order you provide them to us. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur interest charges from the transaction date. If you revolve your balance to take advantage of a promotional or introductory offer, all transactions and balances, including Purchases, will be charged interest. The Balance Transfer Fee is 5% of the amount of the transaction. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by Bank of America, N.A. or its affiliates.

The information in this offer is updated regularly, but may have changed since the last update.

The Bank of America^® Privacy Notice is available at bankofamerica.com/privacy and accompanies the Credit Card Agreement.

This credit card program is issued and administered by Bank of America, N.A. Any account opened in response to this application shall be governed by the laws of the State of North Carolina. Deposit products and services are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. Flying Blue, Air France, KLM and their logos are registered trademarks of the Air France-KLM Group and are used by the issuer pursuant to license.
©2026 Bank of America Corporation

\n \n"}