Get a Special Bonus Offer - NEA RateSmart Credit Card

Get a $100 Statement Credit Online Bonus Offer with the NEA RateSmart® Credit Card.

Just make at least $1,000 in purchases within the first 90 days of account opening.


The NEA RateSmart Credit Card

Credit Cards

The NEA RateSmart® Card

Online Bonus Offer: $100 Statement Credit

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.

To apply by phone, please call 1-888-758-7946 and mention source code HC01HO. (Mon-Fri 9 a.m. - 9 p.m.)

In partnership with


Save on interest when you transfer higher-rate balances

A credit card that has your best interests in mind and shows pride in your profession.

  • $100 Statement Credit after you make at least $1,000 in purchases within the first 90 days of account opening.
  • Get a competitive APR with the lowest-rate NEA credit card available
  • No annual fee
  • Get a low intro APR offer
  • No Penalty APR— paying late won’t automatically raise your interest rate (APR)
  • Access your FICO® Score for free, updated monthly, within Online Banking or your Mobile Banking app.
  • Get greater security when you use your credit card at chip-enabled terminals, a $0 Liability Guarantee for fraudulent transactions and extra protection when you add your card to your digital wallet.


Feel Secure with the NEA RateSmart Credit Card

how it helps

A longstanding partnership that supports educators

Grants to Educators Program

Bank of America is a major supporter of the NEA Foundation, donating over $1.6M since 2004 for the Salute to Excellence in Education Gala and the Foundation's Grants to Educators Program which fund approximately 120 projects throughout the country each year to enable educators to develop their professional practices and improve student learning.

Disaster Relief Fund

Over the past 9 years, Bank of America has contributed $1,400,000 to the NEA Member Benefits Disaster Relief Fund. Bank of America’s generous contributions have helped NEA members devastated by natural disasters.

How It Works

How to apply for your NEA RateSmart Card

Two ways to apply

  1. Simply click the “Apply Now” button above to fill out an online application.
  2. Or, call 1-888-758-7946 (Mon-Fri 9 a.m. - 9 p.m.) and mention source code HC01HO.

Related products

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.

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 is only available for select mobile devices. Message and data rates may apply.

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.

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.

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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