WalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateSpending caps on rewardsBalance transfer feeHigh regular APRForeign feeMassachusetts Teachers Association Credit Card
Massachusetts Teachers Association Credit Card
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 15 months, 17.49% - 27.49% (V) APR after that
Balance Transfer
0% intro APR for 15 months, 17.49% - 27.49% (V) APR after that
Balance Transfer Fee
Rewards
Earn a $200 Cash Reward Bonus if you make at least $500 in purchases in the first 90 days.
Earn 6% cash back for the first year in the category of your choice. Earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
Rewards are automatic and do not expire. Go to Online Banking to change your choice category for future purchases, or it stays the same.
Massachusetts Teachers Association Credit Card's Additional Info
0% Introductory APR for 15 months and 3% intro fee (4% after) on balance transfers made within 60 days of account opening.
Stay on top of your balances and due dates with several types of customer email or text alerts. Pay your credit card bill online, transfer funds, check available credit and more
Receive free general admission to more than 225 museums on the first weekend of every month through Museums on Us®.
| cash advance fee | 5% |
| cash advance APR | 20.49% - 27.49% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Massachusetts Teachers Association Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Spending caps on rewards
Balance transfer fee
High regular APR
Foreign fee
Compare The Massachusetts Teachers Association Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0% for 15 months | Purchase Intro APR0% for 12 months from account opening | Purchase Intro APRNot Offered |
transfer intro apr0% for 15 months|Transfer Fee: 3% | transfer intro apr0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5) | transfer intro apr0% for 15 billing cycles on balance transfers made within the first 90 days of account opening|Transfer Fee: 3% intro fee ($5 min) for transfers made within the introductory offer, 5% ($5 min) after that |
Regular APR17.49% - 27.49% (V) | Regular APR18.49%, 24.49%, or 28.49% Variable | Regular APR18.49% - 28.49% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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Offer last updated: Jun 2nd, 2026 at 14:22 ET
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