The NEA RateSmart® Card
The lowest rate of any NEA credit card. You’ll get a low intro APR offer and then enjoy a competitive APR. Feel secure with zero liability fraud protection, chip card technology and digital wallet compatibility.
NEA® Customized Cash Rewards Credit Card
NEA Member-Exclusive Online Bonus Offer: $200 Cash Rewards.
Just make at least $500 in purchases within the first 90 days of account opening.
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 HC02YA. (Mon-Fri 9 a.m. - 9 p.m.)
In partnership with
overview
The cash back credit card designed so educators can make the most out of every dollar you spend.
Teachers and educators, earn rewards with a cash rewards credit card for purchases you’re already making like dining, online shopping, gas, groceries or general retail purchases. Get rewarded for every dollar you spend.
Plus, with the NEA® Customized Cash Rewards Credit Card, you could earn 6% cash back for the first year in the category of your choice. It’s perfect when you choose online shopping and use it for retailers like Amazon, where teachers can find the things they need for their classrooms — decorations to everyday essentials that help their students succeed.
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Earn unlimited 1% cash back on purchases everywhere, every time - Earn an automatic 2% cash back at grocery stores and wholesale clubs
- Earn 6% cash back for the first year (3% cash back + 3% first-year cash back bonus) in the category of your choice: gas & EV charging stations; online shopping, including cable, internet, phone plans & streaming; dining; travel; drug stores & pharmacies or home improvement & furnishings. Use the card for online shopping with retailers like Amazon for classroom supplies
- Earn 2% and 6% cash back on the first $2,500 in combined purchases each quarter at grocery stores and wholesale clubs, and in the choice category, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 2% and 3% cash back on these purchases up to the quarterly maximum.
- Rewards earned do not expire as long as your account remains open
- Get a low intro APR offer and no annual fee†
how it helps
A long standing partnership that offers financial benefits and support especially for teachers
Grants to Educators Program
Bank of America is a major supporter of the NEA Foundation, donating over $1.75M 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 12 years, Bank of America has contributed $2M 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
Apply now for your NEA Customized Cash Rewards Credit Card — the cash back credit card that gives you more ways to earn while supporting educators
Two ways to apply
- Simply, click the “Apply Now” button above to fill out an online application.
- Or, call 1-888-758-7946 (Mon-Fri 9 a.m. - 9 p.m.) and mention code HC02YA.
FAQs
Answers to Common Questions
It’s very easy. You must log on to your Bank of America® Mobile Banking app or Online Banking account to choose one of six cash back categories for future purchases. Change to a different category once each calendar month, or make no change and it stays the same.
No, you have the option to change it once each calendar month. Or, make no change and it stays the same until you’re ready to change it again. It’s entirely up to you.
Yes, your security is very important to us. That’s why whether you shop in-store, online or in-app, you’re covered with a $0 Liability Guarantee for fraudulent transactions. For extra protection and convenience, you can also add your card to your digital wallet.
Yes, your card comes complete with other features including Museums on Us® free general admission for cardholders on the first full weekend of every month to more than 225 museums, science centers, botanical gardens and cultural institutions; contactless cards so you can tap and pay on the go; convenient account alerts to stay on top of your balances and due dates, and more. Teachers can earn more cash back by choosing online shopping as their choice category and using it at online retailers like Amazon for stocking up on classroom and school essentials.
NEA, NEA Member Benefits, and the NEA Credit Card Program are registered service marks of NEA Member Benefits.
The NEA Credit Card Program has been developed for NEA members and their families only. Parents, spouses (or domestic partner) and children are eligible family members. Absolutely no membership dues are used to market this program.
† 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.
You may elect to receive alerts via text or email. Bank of America does not charge for this service but your mobile carrier’s message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.
Mobile Banking requires that you download the Mobile Banking app and may not be available for select mobile devices. Message and data rates may apply.
The $0 Liability Guarantee covers fraudulent transactions made by others using your account. Claims may be filed by account holders and Authorized Users against pending and posted transactions, and may be subject to dollar limits and verification.
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. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. 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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