Bank of America · Mastercard
NEA RateSmart Mastercard
No annual fee · 0% on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 0% | uncapped |
Non-cash perks
- $0 Liability Guarantee and chip technology
- Museums on Us (free museum admission first weekend of the month, per association marketing pages)
- 0% intro APR for 21 billing cycles on purchases and on balance transfers made in the first 60 days of account opening (5% balance transfer fee applies)
- No penalty APR
- Marketed exclusively to members of the National Education Association and its state/local affiliates via association-specific member-benefit portals and application priority codes
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
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- Bank of America Alaska Airlines Visa Signature Business (Atmos Rewards) $70/yr
- Bank of America Atmos Rewards Summit Visa Infinite $395/yr
- Bank of America Business Advantage Customized Cash Rewards
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.bankofamerica.com · www.neamb.com · www.ctamemberbenefits.org. Spot an error? Tell us.