The NEA RateSmart® Mastercard®
The lowest rate of any NEA credit card. You’ll get a low intro APR offer and then enjoy a competitive APR. Feel secure with zero liability fraud protection, chip card technology and digital wallet compatibility.
NEA® Customized Cash Rewards Visa Signature® Credit Card
Exclusive Online Offer for Teachers and Educators
Receive a Member-Exclusive $200 Cash Rewards Bonus after you spend at least $500 on purchases within the first 90 days of account opening — turn everyday purchases into rewards!
This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
In partnership with
Member-Exclusive Online Bonus Offer!
Receive a $200 Cash Rewards Bonus
after you spend at least $500 on purchases within the first 90 days of account opening.
Apply Now
Offer available online only
Get the cash back card that maximizes every dollar with 6% cash back in the category of your choice for the first year.
Teachers and educators, earn cash rewards on the purchases you make every day. From dining and online shopping to groceries and general retail, get rewarded for every dollar you spend.
Earn 6% cash back for the first year (3% cash back + 3% first-year cash back bonus) in a category of your choice: 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. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category
Automatic 2% cash back at grocery stores and wholesale clubs.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
Unlimited 1% cash back on all other purchases
Keep your cash rewards. Cash rewards earned do not expire as long as your account remains open
Get a Low intro APR offer† and No Annual Fee†
Apply Now for your NEA Customized Cash Rewards Card!
Fill out the online application or give us a call and we would be happy to assist you with your application.
Apply NowTo apply by phone, please call 1-888-758-7946 and mention code HC02YC (Mon-Fri 9 a.m. - 9 p.m.).
Since 2004, Bank of America has maintained a longstanding partnership with the NEA Foundation, donating over $1.8 million to fund educator projects and professional development. Additionally, they have contributed $2.2 million to the NEA Disaster Relief Fund, providing financial support to members impacted by natural disasters.
Frequently asked questions
It’s very easy. You must log on to your Bank of America® Mobile Banking app or Online Banking account to choose one of six cash back categories for future purchases. Change to a different category once each calendar month, or make no change and it stays the same.
No, you have the option to change it once each calendar month. Or, make no change and it stays the same until you’re ready to change it again. It’s entirely up to you.
Yes, your security is very important to us. That’s why whether you shop in-store, online or in-app, you’re covered with a $0 Liability Guarantee for fraudulent transactions. For extra protection and convenience, you can also add your card to your digital wallet.
Yes, your card comes complete with other features including Museums on Us® free general admission for cardholders on the first full weekend of every month to more than 225 museums, science centers, botanical gardens and cultural institutions; contactless cards so you can tap and pay on the go; convenient account alerts to stay on top of your balances and due dates, and more. Teachers can earn more cash back by choosing online shopping as their choice category and using it at online retailers like Amazon for stocking up on classroom and school essentials.
NEA, NEA Member Benefits, and the NEA Credit Card Program are registered service marks of NEA Member Benefits.
The NEA Credit Card Program has been developed for NEA members and their families only. Parents, spouses (or domestic partner) and children are eligible family members. Absolutely no membership dues are used to market this program.
† For information about rates, fees, other costs and benefits associated with the use of this credit card, click on “Apply Now” and refer to the disclosures accompanying the online credit application.
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.
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.
The $0 Liability Guarantee covers fraudulent transactions made by others using your account. Claims may be filed by account holders and Authorized Users against pending and posted transactions, and may be subject to dollar limits and verification.
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. Museums on Us, 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. All other company and product names and logos are the property of others and their use does not imply endorsement of, or an association with, the rewards program.
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