How can I get a Bank of America Premium Rewards credit card cash advance?

The Bank of America cash advance fee is either 3% (min $10) or 5%, depending on the type of transaction. Bank of America cash advance fees are 3% for direct deposits and convenience checks, and 5% for cash withdrawals in person or at an ATM.

Keep in mind that when you make a ... read full answercash advance, you will incur other costs in addition to the Bank of America cash advance fee. This includes a separate cash advance APR that applies immediately after you complete the transaction. The ATM owner may also impose additional charges, depending on where you withdraw the cash.

To get a Bank of America credit card PIN, call the number on the back of the Bank of America card and ask customer service for a PIN. Another way to get a Bank of America credit card PIN is by logging in to an account online and requesting a PIN through the Bank of America website. A credit card PIN is needed to get a cash advance at an ATM in the United States, or to make certain purchases when traveling abroad.... read full answer

Best Way to Get a Bank of America Credit Card PIN

1. Call Bank of America customer service at 1-800-732-9194 or call the number on the back of your Bank of America credit card.
2. Inform the representative that you want a credit card PIN.
3. Receive the PIN in the mail, over text, or by email. It’s unlikely that Bank of America customer service will be able to provide a PIN over the phone.

If your credit card had a PIN in the past, but you’ve forgotten or misplaced it, Bank of America may tell you to look for the PIN before they generate a new one. It may be listed in credit card-related mailings or your online account.

If you need a PIN for a cash advance, it’s important to note that cash advances have high fees and interest rates, so you generally want to avoid them whenever possible. And while adding a PIN will make your card slightly more useful abroad, you’ll still be able to get around fine in most travel destinations without a PIN.

The Bank of America credit card interest rate can be anywhere from 15.49% (V) to 27.49% (V). It depends on both your credit standing and which Bank of America credit card you apply for. All Bank of America credit card APRs are variable, meaning they can change over time.

Here are the Bank of America credit card interest rates:... read full answer

• BankAmericard® credit card - 15.49% - 25.49% Variable regular APR. Intro APR of 0% for 21 billing cycles on purchases and 0% for 21 billing cycles for any balance transfers made in the first 60 days. 3% balance transfer fee.
• Bank of America® Unlimited Cash Rewards credit card - 17.49% - 27.49% Variable regular APR. Intro APR of 0% for 18 billing cycles on purchases and 0% for 18 billing cycles for any balance transfers made in the first 60 days. 3% balance transfer fee.
• Bank of America® Customized Cash Rewards credit card - 17.49% - 27.49% Variable regular APR. Intro APR of 0% for 18 billing cycles on purchases and 0% for 18 billing cycles for any balance transfers made in the first 60 days. 3% balance transfer fee.
• Bank of America® Travel Rewards credit card - 17.49% - 27.49% Variable regular APR. Intro APR of 0% for 18 billing cycles on purchases and 0% for 18 billing cycles for any balance transfers made in the first 60 days. 3% balance transfer fee.
• Bank of America® Premium Rewards® credit card - 19.49% - 26.49% Variable regular APR. No intro APR.
• Bank of America® Premium Rewards® Elite Credit Card - 19.49% - 26.49% (V) regular APR. No intro APR.
• BankAmericard® Secured Credit Card - 25.49% (V) regular APR. No intro APR.
• Bank of America® Customized Cash Rewards Secured Credit Card - 27.49% (V) regular APR. No intro APR.
• Bank of America® Unlimited Cash Rewards Secured Credit Card - 27.49% (V) regular APR. No intro APR.

Credit cards for students:

• BankAmericard® Credit Card for Students - 15.49% - 25.49% (V) regular APR. Intro APR of 0% for 21 months on purchases and 0% for 21 months. 3% balance transfer fee.
• Bank of America® Travel Rewards credit card for Students - 17.49% - 27.49% Variable regular APR. Intro APR of 0% for 18 billing cycles on purchases and Not Offered.
• Bank of America® Customized Cash Rewards credit card for Students - 17.49% - 27.49% Variable regular APR. Intro APR of 0% for 18 billing cycles on purchases and 0% for 18 billing cycles for any balance transfers made in the first 60 days. 3% balance transfer fee.
• Bank of America® Unlimited Cash Rewards credit card for Students - 17.49% - 27.49% (V) regular APR. Intro APR of 0% for 18 months on purchases and 0% for 18 months. 3% balance transfer fee.

Each Bank of America credit card also has more than one interest rate. There’s the regular APR, which applies to purchases and balance transfers and ranges from 15.49% (V) to 27.49% (V). Several cards have a 0% APR on purchases and/or balance transfers for a certain number of months, before the regular APR takes effect. And if you miss a payment, you could have a penalty interest rate of up to 29.99%. Ultimately, there is also an APR for cash advances that can be up to 29.49% (V), depending on your creditworthiness and the card.

If you want to increase the chances of getting a low Bank of America credit card interest rate, you should make sure your credit is as good as possible before applying. Doing anything you can to bump up your income can also make a difference. But if you pay your credit card bill in full every month, you won’t ever have to worry about the interest rate.