$100 Giftcard Bonus Offer

The Lowest-Rate NEA Credit Card Available

Teachers & Educators! Get the NEA RateSmart® Credit Card Online Bonus offer: a $100 Target GiftCard!

Just make at least $500 in purchases within the first 90 days of account opening. Students not eligible. Apply here for this offer. Offers vary elsewhere.

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The NEA RateSmart® Card

NEA Member-Exclusive Online Bonus Offer: $100 Target GiftCard
(Students not eligible)

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 code QAF2E6. (Mon-Fri 9 a.m. - 9 p.m.)

In partnership with

Bank of America logo


The NEA RateSmart® credit card lets teachers and educators save on interest when you transfer higher-rate balances.

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

  • $100 Target GiftCard after you make at least $500 in purchases within the first 90 days of account opening. (Students not eligible)
  • 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.


Museums On Us

how it helps

A longstanding partnership that offers financial benefits and support especially for educators

Grants to Educators Program

Bank of America is a major supporter of the NEA Foundation, donating over $1.7M 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 11 years, Bank of America has contributed $1.8M 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 code QAF2E6.

Related products

Terms & Conditions

† 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. Federal law prohibits students from receiving a premium.

Mobile Banking requires that you download the Mobile Banking app and is only available to 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 my 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. Mastercard is a registered trademark of Mastercard International Incorporated and is used by the issuer pursuant to license. 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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