Yes, typically a per transaction fee on the transfer amount will apply. However, the money you save on interest from a low-rate promotional offer will often be greater than the fee. Select View Offers to check your current offer details.

Promotional offers for Balance Transfers do not apply to your card purchases. In addition, if you make purchases while carrying a promotional-rate cash balance, you'll immediately incur interest on those purchases, unless you have a 0% rate on purchases or you pay either the entire Interest Saving Balance (if applicable) or Statement Balance each month.

We will first allocate the amount of your payment equal to the Total Minimum Payment Due to any Custom Pay Plan Payment due (if applicable), then to the lowest APR balances in turn. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs and, finally, to any applicable Custom Pay Plan balances.

Yes. If you have any balance on your account, you must always make at least the minimum monthly payment by the due date to avoid any late fees or charges. 

You should check your recurring payment settings to ensure you are paying at least the Total Minimum Payment Due or that you don't pay the Statement Balance or applicable Interest Saving Balance unintentionally.

When promotional rates end, the standard rate for the applicable transaction types will be applied to any remaining balances for those transaction types. See the Interest Charge Calculation section of your billing statement for current rates.

You can transfer balances from any non-Bank of America account, including:

• Credit cards
• Gas cards
• Retail and department store cards
• Personal loans
• Auto loans
• Home equity loans or lines of credit

Yes. Because transfer times vary, to avoid any fees or other charges, you should continue to make at least the minimum monthly payment until you see the transfer amount credited to your other account. 

An APR, or Annual Percentage Rate, is the interest charged on a credit card or loan expressed as an annualized amount.

No. If you have a rewards card, you only earn rewards on qualified card purchases.