Product Disclosure

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†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 27.74%, 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	$395
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. If approved for an account, your credit line will be at least $10,000. 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 Point and Global 25K Companion Award Offer. 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. Cardholders who make any combination of purchase transactions totaling at least $3,000 (excluding any fees, such as the annual fee) that post to the account within 90 days of the account open date will qualify for 70,000 bonus points and a Global 25K Companion Award. The Global 25K Companion Award is valid for up to 25,000 Atmos™ Rewards points off a published award ticket when the Primary Cardholder redeems points for travel and is traveling with another guest on a published award ticket on the same itinerary, booked at the same time only on alaskaair.com. You can view and redeem your Global Companion Award by logging into your Atmos™ Rewards account at alaskaair.com. The Global 25K Companion Award must be redeemed within 12 months of the date of issue. 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 1 bonus point and Global 25K Companion Award offer per new account. Your account must be open with active charging privileges in order to receive this offer. Other advertised promotional bonus point and Global Companion Award offers can vary from this promotion and may not be substituted. The bonus points and Global 25K Companion Award will be credited to the Primary Cardholder's Atmos™ Rewards program account within the first 2 billing cycles after qualifying. See Global Companion Award section for additional details. All Atmos™ Rewards terms and conditions apply. 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. You can view your Global Companion Award terms and conditions at atmosrewards.com/cardbenefits.

Atmos™ Rewards Summit Credit Card Program Summary. How You Earn Points: You earn points 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 points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions, and certain other charges. 1 Point: Earn 1 point for every $1 of Net Purchases charged to the card each billing cycle. 3 Points for eligible Alaska Airlines and Hawaiian Airlines Purchases: Earn 3 points for every $1 of eligible Alaska Airlines and Hawaiian Airlines Net Purchases. Eligible Net Purchases include Alaska Airlines and Hawaiian Airlines tickets, flight subscriptions, inflight food and beverage purchases, lounge memberships, in-lounge food and beverage purchases, cargo purchases, and vacation packages billed by Alaska Airlines or Hawaiian Airlines as the merchant of record and booked directly through Alaska Airlines or Hawaiian Airlines. Eligible Alaska Airlines and Hawaiian Airlines Vacation Packages, pre-paid hotels, or pre-paid vacation rental booking purchases must be booked on alaskaair.com or hawaiianairlines.com. Otherwise eligible Alaska Airlines and Hawaiian Airlines purchases made through a third-party merchant (e.g., travel agency, online merchant) will not earn 3 points per dollar. 3 Points for eligible Dining Purchases: Earn 3 points for every $1 spent on eligible Dining Net Purchases. Eligible Net Purchases include Caterers, Eating Places, Restaurants, Bars, Cocktail Lounges, Discotheques, Nightclubs, Taverns/Drinking Places (Alcoholic Beverages) and Fast Food Restaurants. 3 Points for eligible Foreign Transactions: Earn 3 points for every $1 spent on eligible foreign transaction Net Purchases (1) made in a foreign currency, or (2) made in U.S. dollars if the transaction is made or processed outside of the United States and US Territories. Bank of America is not responsible for how foreign transactions are billed to the card. Bonus Points: Your card will be automatically enrolled in Atmos™ Rewards Dining, a dining rewards program operated by Rewards Network Establishment Services Inc. You'll earn 1 point for every $2 spent at participating restaurants. Bonus Point Processing: Merchants are assigned a merchant category code (MCC) based upon the merchant's primary line of business. We do not determine which MCC a merchant chooses to classify itself. How You Use Your Points: Earned points can be redeemed for Alaska Airlines or Hawaiian Airlines award travel, hotel stays and car rentals. Visit atmosrewards.com/cardbenefits for information on redemption and redemption minimums. How You May Lose Points: See atmosrewards.com/cardbenefits for the terms and conditions that address points expiration. If the owner(s) of the card account voluntarily closes the card account or we close the card account, any points earned within the current billing period may be immediately forfeited.

Relationship Bonus Points: If the Primary Cardholder or Joint Cardholder has a Qualifying Account with us, a 10% bonus will be added to the points earned with each $1 spent on Net Purchases. An active Qualifying Account is an open consumer (non-business) checking, savings or CD account with Bank of America N.A. or an investment account with Merrill that maintains an average daily balance greater than $0 or a Bank of America checking or savings account that has had a deposit or withdrawal within 90 days. Balances are reviewed at the end of every month to determine if qualifications were met. For cardholders with a Qualifying Account all Net Purchases made with your card on or after the fifth business day of the current month through the fifth business day of the following month will earn the Relationship Bonus Points. Upon opening a new Qualifying Account, it may take up to 60 days to begin earning the Relationship Bonus Points.

Status Points: Earn 1 status point for every $2 spent on Net Purchases (exclusive of any fees, such as the annual fee) for transactions that post to eligible Atmos™ Rewards cards. 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 benefit. Status points are calculated at the beginning of each month for the prior month's posted Net Purchases. Allow 4 to 6 weeks for the status points to be posted to your Atmos™ Rewards Program account. To qualify for this benefit, your credit card account must be open with active charging privileges. Bank of America is not responsible for fulfillment of this status points benefit and posting of points directly to your Atmos™ Rewards Program account. Status points will not appear on your credit card statement. Status points count toward elite status qualification only for the remainder of the calendar year in which they are earned, are non-redeemable and cannot be used toward award travel. Anniversary Status Points: Beginning on your first account anniversary, you will receive 10,000 status points each year on your account anniversary. Allow up to 2 Billing Cycles from your account anniversary for the status points to be posted to your Atmos™ Rewards Program account.

Global Companion Award(s): Each Global Companion Award may be used for a discount up to the stated value of points off a companion award booking when the Primary Cardholder redeems points for travel and is traveling with another guest on a published award ticket on the same itinerary, booked at the same time only on alaskaair.com. Companion Award discount is valid on tickets where the base cost exceeds the value of the Global Companion Award. If the Companion Award cost is less than the stated value of each discount there is no residual value to the Global Companion Award. The Global Companion Award must be redeemed within 12 months of the date of issue. The Primary Cardholder can view and redeem the Global Companion Award by logging into their Atmos™ Rewards Program account at alaskaair.com. Each award is subject to taxes and carrier-imposed fees that vary by itinerary and are based on trip origin and destination. Guest is responsible for all applicable taxes, fees, surcharges, and applicable checked baggage fees. Once ticketed, travel may be completed after the expiration date of the Global Companion Award. Global Companion Award may be used on any available award seat on flights marketed by Alaska Airlines or Alaska Airlines' network of redemption partners searchable on alaskaair.com. Award travel space is limited and subject to certain restrictions including blackout dates and other capacity controls. Alaska Airlines cannot ensure availability of award seats on any flight, route, or date. Anniversary Global 25K Companion Award: Primary Cardholders whose accounts are open with active charging privileges on their annual account anniversary date will receive one (1) Anniversary Global 25K Companion Award worth up to 25,000 points within the first 2 Billing Cycles after the anniversary date each year, which will be credited to their Atmos™ Rewards Program account. The Anniversary Global 25K Companion Award is valid for up to 25,000 Atmos™ Rewards points off a published award ticket when the Primary Cardholder redeems points for travel and is traveling with another guest on a published award ticket on the same itinerary, booked at the same time only on alaskaair.com. Annual Global 100K Companion Award: Primary Cardholders whose accounts are open with active charging privileges may earn one (1) Annual Global 100K Companion Award worth up to 100,000 points after you spend $60,000 or more on Net Purchases that post to your Card billing statement during your Card anniversary year (every 12 months from the open date anniversary). After qualifying, the Primary Cardholder will receive the Global Companion Award, which will be credited to their Atmos™ Rewards Program account within 1-2 billing cycles. The Annual Global 100K Companion Award is valid for up to 100,000 Atmos™ Rewards points off a published award ticket when the Primary Cardholder redeems points for travel and is traveling with another guest on a published award ticket on the same itinerary, booked at the same time only on alaskaair.com. 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 benefit.

Free Checked Bag Benefit: Any cardholder who has an open account at the time of travel and up to 6 guests traveling on the same reservation may check 1 bag free of charge on flights marketed by Alaska Airlines or Hawaiian Airlines and operated by Alaska Airlines, Hawaiian Airlines, Horizon Air, or SkyWest. Primary Cardholder must be an Atmos™ Rewards member. Baggage restrictions apply. Payment with the Atmos™ Rewards credit card is required to qualify for this benefit. Benefit may not be applied retroactively, and no refunds will be issued. Not applicable for guests who already receive 1 or more free checked bags.

Preferred Boarding: Any cardholder who has an open account at the time of travel and up to 6 guests traveling on the same reservation are eligible for preferred boarding. Airfare must be purchased with your Atmos™ Rewards credit card to qualify for this benefit. To receive preferred boarding, the Primary Cardholder's Atmos™ Rewards number must be included in the reservation. Preferred boarding is only available on flights marketed by Alaska Airlines or Hawaiian Airlines and operated by Alaska Airlines, Hawaiian Airlines, Horizon Air, or SkyWest. Cardholders and their eligible guests can board the plane before general boarding, after Atmos™ Rewards elite status members and oneworld® Alliance elite members, customers with First Class or Premium Class seating and pre-board groups. Bank of America is not responsible for the provision of, or failure to provide, the stated benefits.

20% Inflight Rebate on Food, Beverage and Wi-Fi Onboard Purchases: Cardholders will receive a 20% rebate, in the form of a statement credit, on all onboard Alaska Airlines food, beverage, and Wi-Fi purchases using your card as your method of payment, where Alaska Airlines is the merchant of record and the purchase is processed under MCCs 5814 and 4816 and onboard Hawaiian Airlines food and beverage purchases processed under MCC 3196. The statement credit will post to your card account within 7 days from transaction posting date. To qualify for the 20% rebate, your account must be open with active charging privileges at the time of the qualifying transaction.

Alaska Lounge Passes: The Primary Cardholder will receive 2 Alaska Lounge passes credited to their Atmos™ Rewards Program account each calendar quarter for a total of 8 Alaska Lounge passes per year (every 12 months from account open date). To qualify for Alaska Lounge passes, the Primary Cardholder's card account must be open with active charging privileges. Quarterly allotments of Alaska Lounge passes will be credited on the first day of each calendar year quarter (January 1, April 1, July 1, October 1). Lounge passes for a new account will be credited to the Primary Cardholder's Atmos™ Rewards Program account within 30 days of account opening or upgrade. Lounge passes are valid through the end of the quarter in which they are issued. One Lounge Pass is valid for one individual for single travel day access to Alaska Lounge locations. Boarding pass must show a reservation for a same-day flight operated by Alaska Airlines, Hawaiian Airlines, a oneworld® member airline or an Alaska Airlines global partner departing from or arriving at the airport in which the Alaska Lounge is located. Benefit valid only at Alaska Lounges. Partner lounges are not included.

Complimentary Wi-Fi: The Primary Cardholder will receive 2 Alaska Airlines single flight Wi-Fi passes credited each calendar quarter for a total of 8 Wi-Fi passes per year (every 12 months from account open date). To qualify for Wi-Fi passes, the Primary Cardholder's account must be open with active charging privileges. Passes are valid through the end of the quarter in which they are issued. Quarterly allotments of passes will be credited to the Atmos™ Rewards Program account on the first day of each calendar quarter (January 1, April 1, July 1, October 1). Wi-Fi passes for a new account will be credited to the Primary Cardholder's Atmos™ Rewards Program account within 30 days of account opening or upgrade. All Wi-Fi passes are valid through the end of the quarter in which they are issued.

Airport Security Statement Credit: You are entitled to up to $120 in statement credits per account every four years in connection with the TSA PreCheck® or Global Entry program when you use your card to pay the application fee(s). Statement credits, not to exceed a total of $120, will be applied in the order that the qualifying transactions posted to your account. Allow 2-3 weeks from qualifying, for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. TSA PreCheck® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Bank of America has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and no liability regarding the Global Entry or TSA PreCheck® programs. For complete details on the TSA PreCheck® program, go to tsa.gov/PreCheck. For complete details on the Global Entry program, go to http://www.cbp.gov/global-entry/about. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.

Points Sharing: Points Sharing is a Card Program feature that enables the Primary Cardholder to be eligible to initiate linkage and share points between a network of up to 10 additional Atmos™ Rewards accounts. Cardholders may only be part of a single Points Sharing network. Points can be used to make award redemptions on alaskaair.com. After initial linkage, the Primary Cardholder can only change each linked Atmos™ Rewards account once every 12 months. Transfer must be initiated by each respective Atmos™ Rewards account holder. Only redeemable points are transferable. Status Points are excluded from Points Sharing. Participation is subject to the Points Sharing program terms and conditions.

Partner Program Points Transfer: The Primary Cardholder is eligible for points transfers to participating partner programs. Both the availability and transfer rates of partner programs may vary and are subject to change. Participation is subject to the Partner Program Points Transfer terms and conditions.

Same-Day Change Fee Waiver: The Primary Cardholder is eligible for free same day confirmed changes. If the Primary Cardholder's flight is within 24 hours, the Primary Cardholder may be able to change with no fees or fly standby for free. The Primary Cardholder must be holding confirmed reservations and tickets for flights operated by Alaska Airlines and must request the change prior to the departure of their original flight. The Primary Cardholder must keep the same origin, destination, thru, and connection cities. The Primary Cardholder's new desired flight must depart on the same calendar day as their originally scheduled flight. Saver fares are not eligible for same day confirmed changes.

Instant Travel Delay Credit: A Primary Cardholder that experiences a same day flight departure delay of 2 or more hours, or a same day flight cancellation, on flights marketed by Alaska Airlines and operated by Alaska Airlines, Horizon Air or SkyWest will receive a $50 voucher, valid for 48 hours from issuance, delivered to the email address associated with their reservation. Departure delay or cancellation must occur within 24 hours of scheduled travel. Travel must be originally booked directly via Alaska Airlines using the Atmos™ Rewards Summit card. Travel booked through a third-party merchant (e.g., travel agency, online merchant) will not qualify for this benefit. Only one $50 credit per calendar day.

Partner Redemption Booking Fee Waiver: The Primary Cardholder using their Atmos™ Rewards points for travel on Alaska Airlines' network of airline partners is eligible for the waiver of the booking fee associated with airline partner redemptions. All reservations made using the Primary Cardholder's Atmos™ Rewards account are eligible for this benefit, including reservations with multiple travelers where the Primary Cardholder is not a traveler. Award ticket's applicable taxes and fees must be purchased with the Primary Cardholder's card.

Atmos™ Rewards Enrollment: If you are not a current Atmos™ Rewards member, Alaska Airlines will enroll you into the Atmos™ Rewards Program when you become a cardholder. The Atmos™ Rewards Program is offered and administered by Alaska Air Group and is not a product or program of Bank of America. Atmos™ Rewards Program terms and conditions apply. Visit atmosrewards.com/cardbenefits for complete Atmos™ Rewards Program details. See Atmos™ Rewards Program Guidelines and Award Chart for details regarding award point requirements.

Rewards Program Rules: 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. For more information about the Atmos™ Rewards Summit card benefits, visit atmosrewards.com/cardbenefits.

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 Infinite 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.
©2026 Bank of America Corporation

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