Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.24% - 24.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.24% - 24.24%(Verified 06/21/2024)
Credit Score Range
Starting at 700
Annual Fee
$0
NEA Credit Card Review
This is a cashback credit card issued by Bank of America. If you're wondering whether NEA Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- APRs: NEA Credit Card has a variable regular purchase APR that ranges from 14.24% up to 24.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. NEA Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of NEA Credit Card
| The Good | The Bad |
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NEA Credit Card FAQ
Does NEA Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does NEA Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does NEA Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the NEA Credit Card benefits?
NEA Credit Card provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for NEA Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.NEA Credit Card has a variable purchase APR that ranges from 14.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 24.24%. It also has a variable cash advance APR that ranges from 17.24% up to 29.24%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does NEA Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.24% - 24.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does NEA Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for NEA Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $40 . Does NEA Credit Card have a foreign transaction fee?
NEA Credit Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for NEA Credit Card?
The customer service number for NEA Credit Card is (800) 932-2775.
What is the support contact email for NEA Credit Card?
The support contact email for NEA Credit Card is customerservicealert@bankofamerica.com.
How do people rate the customer service and user experience of NEA Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does NEA Credit Card report your account activity to credit bureaus?
Yes, NEA Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Bank of America perform a hard credit pull?
Yes, NEA Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for NEA Credit Card
- Visit the website of NEA Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
100 North Tryon Street
Charlotte, NC 28255
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Other Credit Cards from Bank of America
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
12.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 23.9%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$59
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$89
Rating not yet determined
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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