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	$95
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. This card may not be available to you if you currently have or have had the card in the preceding 24 month period. This does not apply to the business credit card product. 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 Point and Companion Fare 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 $1,500 (excluding any fees, such as the annual fee) that post to the account within 90 days of the account open date will qualify for 50,000 bonus points and a round-trip Saver or Main Cabin Companion Fare code within North America on Alaska Airlines or Hawaiian Airlines from $122 (USD) ($99 base fare plus taxes and fees, from $23 depending on your Alaska Airlines or Hawaiian Airlines flight itinerary) when traveling with another passenger on a paid published Saver or Main Cabin airfare on the same itinerary, booked at the same time only on alaskaair.com. Primary fare and Companion Fare must be purchased with your Atmos™ Rewards Ascent credit card. The Companion Fare code 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 Companion Fare 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 Companion Fare offers can vary from this promotion and may not be substituted. The bonus points and Companion Fare code will be credited to the primary cardholder's Atmos™ Rewards program account within the first 2 billing cycles after qualifying. See Annual Companion Fare Benefit 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 Companion Fare terms and conditions by logging into your Atmos™ Rewards program account.

Atmos™ Rewards Ascent 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. 2 Points: Earn 2 points for every $1 of eligible Gas/Electric Vehicle (EV) Charging Station, Cable and Select Streaming Service and Local Transit (including rideshare) Net Purchases. Eligible Net Purchases include: Service Stations (With or without Ancillary Services); Automated Fuel Dispensers; Electric Vehicle charging; Marinas, Marine Service, and Supplies (Including Gas); Fuel Dealers – Fuel Oil, Wood, Coal, and Liquefied Petroleum; Cable, Satellite and Other Pay Television/Radio/Streaming Services; Digital Goods Media – Books, Movies, Digital artwork/images, Music; Local and Suburban Commuter Passenger Transportation, Including Ferries; Passenger Railways; Taxicabs and Limousines (including rideshare); Bus Lines; Tolls and Bridge Fees. 3 Points: Earn 3 points for every $1 of eligible Alaska Airlines and Hawaiian Airlines Purchases. Eligible Alaska Airlines and Hawaiian Airlines 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. All points earned on the account will be credited to the primary cardholder's Atmos™ Rewards account. 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. Visit atmosrewards.com/cardbenefits for the complete list of participating restaurants and learn how you can earn even more points. 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 (excluding authorized users) 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 or savings 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 $3 spent in Net Purchases (exclusive of any fees, such as the annual fee) for transactions that post to your Atmos™ Rewards Ascent Visa Signature^® credit card. 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. 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 account. To qualify for this offer, your credit card account must be open with active charging privileges. Bank of America is not responsible for fulfillment of this status points offer and posting of points directly to your Atmos™ Rewards account. Status points will not appear on your credit card statement. Status points count toward elite status qualification only, are non-redeemable and cannot be used toward award travel. Visit atmosrewards.com/cardbenefits for additional terms, conditions and restrictions that may apply.

Annual Companion Fare Benefit: The primary cardholder's account must be open with active charging privileges to qualify for a Companion Fare code each anniversary after spending $6,000 or more on Net Purchases that post to their card billing statement by their card anniversary (every 12 months from the open date anniversary). With the exception of special account status or circumstances (e.g., Military relief programs), the anniversary will coincide with the month in which the annual fee is billed. Cash Advances and Balance Transfers are not considered purchases and do not apply for purposes of this benefit. After qualifying, the primary cardholder will receive the Companion Fare code within the first 2 billing cycles after their anniversary, which will be credited to their Atmos™ Rewards account. The code is valid for a round-trip or one-way Saver or Main Cabin Companion Fare within North America on Alaska Airlines or Hawaiian Airlines from $122 (USD) ($99 base fare plus taxes and fees, from $23 depending on their Alaska Airlines or Hawaiian Airlines flight itinerary) when traveling with another guest on a paid published Saver or Main Cabin airfare on the same itinerary, booked at the same time only on alaskaair.com. Multiple stopovers not allowed. Primary fare and Companion Fare must be purchased with the primary cardholder's Atmos™ Rewards Ascent credit card. The primary cardholder can view and redeem the Companion Fare code by logging into their Atmos™ Rewards program account at alaskaair.com. The Companion Fare code must be redeemed within 12 months of the date of issue. Once ticketed, travel may be completed after the expiration date of the Companion Fare code. The expiration date cannot be extended and, once the Companion Fare code has expired, it cannot be exchanged. Points cannot be used as a form of payment, however point credit accrual is allowed for both guests. The Companion Fare code is not valid with award travel and cannot be combined with any other airfare discounts. Guest is responsible for all applicable taxes, fees, surcharges and applicable checked baggage fees. Applicable taxes and fees are subject to change. You can view your Companion Fare terms and conditions by logging into your Atmos™ Rewards program account.

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 qualifying reservations. Qualifying reservations include flights marketed by Alaska Airlines or Hawaiian Airlines and operated by Alaska Airlines, Hawaiian Airlines, Horizon Air, or SkyWest (codeshare flights operated by other carriers are not eligible). 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 Atmos™ Rewards credit 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 the credit card account within 7 days from transaction posting date. To qualify for the 20% rebate, the account must be open with active charging privileges at the time of the qualifying transaction.

$100 Alaska Lounge+ Membership Discount: Cardholders will receive $100 off an annual Alaska Lounge+ Membership purchased with their Atmos™ Rewards credit card. Not combinable with other Alaska Lounge+ Membership discounts. Alaska Airlines reserves the right to restrict, alter, and/or modify the fees, benefits, services, and lounge locations and hours at any time, with or without written notice to its members. Memberships are non-refundable and non-transferable. Visit alaskaair.com/content/airport-lounge/policies-and-rules for full details and policy and rules around Alaska Lounge+ Membership.

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 Ascent Credit 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 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.
©2026 Bank of America Corporation

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