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25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases.

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases Calculate rewards
Choose which category you want to earn 3% cash back in — now with enhanced categories: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that’s currently 18.24% to 28.24% will apply. A 3% fee applies to all balance transfers.
Preferred Rewards members earn 25%-75% more cash back on every purchase. That means the 3% choice category could earn 3.75% – 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% – 3.50%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% – 1.75%. Not enrolled?

Payments are allocated to posted balances.

If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

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 10/31/2023 the index was 8.5%. 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, or bail bonds).
2 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 $29 will be assessed; $40 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 that was 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.

Get your own personal credit line to pay for purchases or fund your bank account

3% cash back on gas, grocery, health, streaming, and utilities, 1% cash back on all other purchases (Target and Walmart earn 1% cashback)*
Pay your balance in full early each month and avoid daily interest with EarlyPay1
$200 bonus when you open a Rewards Checking Plus account and make 3 debit card transactions**



To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% – 29.99% and line amounts ranging $500 – $25,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.

* Purchases in Gas, Grocery, Health, Streaming, and Utilities categories accrue 3% cash back with no maximum when you pay them back (excluding Target and Walmart); all other purchases accrue 1% with no maximum. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.
** To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
1 Your card offers you an early repayment option to avoid interest. After your first statement period, interest will generally accrue daily from the day a transaction occurs. With EarlyPay, you can choose to pay off your statement balance in full two (2) days after your statement period ends, so that you’ll pay no interest on transactions for your next statement period. Or, you can make your required minimum monthly payment on your monthly due date, which is twenty-two (22) days after your statement period ends. If making the minimum payment results in any carryover balance from one statement period to the next, all balances will accrue interest for the next statement period. You can pay off your line at any time to eliminate further daily interest.


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. 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”). 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.



Bonus Points Offer. You will qualify for 25,000 bonus points if you use your new credit card account to make any combination of purchase transactions totaling at least $1,000 (excluding any fees) 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 1 bonus points offer per new account. 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 points offers can vary from this promotion and may not be substituted. Once you qualify, you will receive your points within your next 1-2 billing cycles. 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.
Bank of America® Travel Rewards Program Information. How You Earn Points: Earn points when you use this 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. 1.5 Points: Earn 1.5 points (base points) for every $1 of Net Purchases charged to the card each billing cycle. Bonus Points at The Travel Center: Earn 3 points (consisting of 1.5 bonus points and 1.5 base points) for every $1 in Net Purchases, made through the Travel Center, with no limit on the number of bonus points you can earn. Account opening bonuses are excluded from other Customer Bonus programs. How You Use Your Points: Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points. How Your Travel Credit Works: A travel credit is applied as a statement credit to your account to offset travel and dining purchases from qualifying merchants in these travel or dining related categories: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos, eating places and restaurant, drinking places, bars, taverns, cocktail lounges, nightclubs, discotheques and fast food restaurants. Purchases from some merchants that provide travel or dining related goods and services will not be eligible for a travel credit, like in-flight goods and services, and duty-free airport purchases. Points may be redeemed for a statement credit to offset qualifying travel and dining purchases that occurred within 12 months prior to the date of redemption, but limited to the most recent 2,500 qualifying travel and dining purchases. Each point redeemed for a travel credit is worth $0.01 (2,500 points = $25). How Your Cash Rewards And Gift Cards Work: Cash rewards are redeemed for a check or electronic deposit into a Bank of America® checking or savings account or for credit to an eligible Cash Management Account® with Merrill. Each point redeemed for cash is worth $0.006 (2,500 points = $15). The redemption value for gift cards varies. How You May Lose Rewards: As long as your card account remains open with active charging privileges, points do not expire. However, If the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. Rewards Program Rules: Program Rules containing additional terms of your credit card rewards program 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 is only available for select mobile devices. Message and data rates may apply.

Alerts. You may elect to receive alerts via text or email. Bank of America does not charge for this service but your mobile carrier’s message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.
FICO® Score Program. The FICO® Score Program is for educational purposes and for your non-commercial, personal use. This benefit is available only for primary cardholders with an open and active consumer credit card account who have a FICO® Score available. The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Data connection required. Wireless carrier fees may apply.
$0 Liability Guarantee. The $0 Liability Guarantee covers fraudulent transactions made by others using your account. To be covered, don’t share personal or account information with anyone. Claims may only be filed by the accountholder against posted and settled transactions subject to dollar limits and verification, including providing requested information supporting fraudulent use claim.
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.


Scotiabank Passport® Visa Infinite* Card

Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points and annual fee waived on your first supplementary card.‡

Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops and more.

Annual fee: $150
Interest rates: 20.99% purchases / 22.99% cash advances










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