Credit Cards

The NEA RateSmart® Card

Save on interest with the lowest-rate NEA credit card

To apply by phone, please call 1-888-758-7946 and mention source code BAAEU8. (Monday-Friday 9 a.m. - 9 p.m.)

In partnership with


Save on interest when you transfer higher-rate balances

  • Get a competitive APR with the lowest-rate NEA credit card available
  • No Penalty APR — paying late won’t automatically raise your interest rate (APR)
  • No annual fee
  • Show pride in your profession with a card design just for you
  • Get a low intro APR offer
  • 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.

how it helps

Supporting the Arts and Educators

Museums on Us®

As a cardholder, you receive free general admission on the first full weekend of every month to more than 225 museums, science centers, botanical gardens and cultural institutions.

Grants to Educators Program

Bank of America is a major supporter of the NEA Foundation, donating over $1.5M 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 5 years, Bank of America has contributed $750,000 to the NEA Member Benefits Disaster Relief Fund. Bank of America’s generous contributions have helped NEA members devastated by natural disasters.

Museums On Us

Free general admission with Museums on Us to more than 225 museums on the first full weekend of every month.

Disaster Relief Assistance

NEA Member Benefits, along with our partners, are here to help you during this difficult time.

How It Works

How to apply for your NEA RateSmart Card

Apply online

Click the “Apply Now” button to fill out an online application.

Apply by phone

Call 1-888-758-7946 Monday-Friday 9 a.m. - 9 p.m. and mention source code BAAEU8.

Related products

Terms & Conditions

† For information about the rates, fees, other costs and benefits associated with the use of this credit card, please call 1-888-758-7946 and mention source code BAAEU8 or click on “Apply Now” and refer to the disclosures accompanying the online credit application.

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 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. Museums on Us, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

© 2021 Bank of America Corporation