The NEA RateSmart Card

The NEA RateSmart® Card

Save on interest with the lowest-rate NEA credit card

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To apply by phone, please call 1-888-758-7946 and mention source code VC01KR. (Monday-Friday 9 a.m. - 9 p.m.)

In partnership with









Save on interest when you transfer your higher-rate balances

The NEA RateSmart® Card can help NEA members, teachers, staff, administrators and family members save on interest

  • Get a competitive APR with the lowest-rate NEA credit card available
  • Get a low intro APR offer
  • Zero liability fraud protection and online ShopSafe® feature
  • Free general admission with Museums on Us® to more than 225 museums on the first Saturday and Sunday of every month
  • No annual fee
  • No Penalty APR

Since 1983, NEA Member Benefits and Bank of America have worked together to support initiatives important to members like you—such as the NEA Foundation, the Disaster Relief Program and more.

Bank of America is one of the top supporters of The NEA Foundation, donating over $1.4M since 2004. These grants fund approximately 120 projects throughout the country each year to enable educators to develop their professional practices and improve student learning.

Looking to earn cash rewards? Learn more about the NEA® Cash Rewards Card.

Terms & Conditions
† For information about rates, fees, other costs and benefits associated with the use of this credit card, click here and refer to the disclosures accompanying the online credit application.

This credit card program is issued and administered by Bank of America, N.A. 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. ShopSafe, Museums on Us, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

© 2019 Bank of America Corporation