The NEA RateSmart® MasterCard® is basically your low interest, cost-friendly credit card with a 0% introductory APR for 12 months on top of potentially lower overall APR afterwards. There’s no annual fee and $0 liability guaranteed, meaning you will not be held responsible for unauthorized charges made on the card. It’s definitely worth noting that this card is catered towards individuals who firmly want to increase their credit scores and credit history from a fair credit stand-points, so if you’re looking for competitive interest rates, this card is a decent one.
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Bank of America NEA RateSmart Card Summary:
- Apply Now
- Best Feature: Low Intro APR for 12 months
- Annual Fee: None
- Expiration Date: None
- Additional Advice: If you’re going to get this card, make sure you’re using it like you’re building your credit score. Make sure that you are aware of the intro APR length.
Bank of America NEA RateSmart Card Features:
- Low Introductory APR; 0% intro purchase APR for 12 months.
- $0 Liability Guarantee
- No annual fee
NEA RateSmart Card Pros:
- No annual fee
NEA RateSmart Card Cons:
- No sign-up bonus
- No rewards structure
Conclusion:
This is practically your decent low-APR credit card to help you increase your credit score. The NEA RateSmart® MasterCard® offers you 0% intro purchase APR for 12 months. There’s $0 Liability Guarantee meaning you will not be held accountable for payments that are not authorized by you. On top of that, there’s no annual fee whatsoever. The overall APR after the low introductory APR time-frame is decent, however, I do recommend that you check out the Barclaycard Ring Mastercard as well. Be sure to check out our complete list of Credit Card Promotions today!
