Credit Cards

The NEA RateSmart® Card

Save on interest with the lowest-rate NEA credit card

To apply by phone, please call 1-888-758-7946 and mention source code VC01KR. (Monday-Friday 9 a.m. - 9 p.m.)

In partnership with


Save on interest when you transfer higher-rate balances

With the lowest rate of any NEA card, the NEA RateSmart® Card can help you save on interest. Plus, get extra shopping protection.

  • Get a competitive APR with the lowest-rate NEA credit card available
  • Get a low intro APR offer and no annual fee
  • Get greater security when you use your credit card at chip-enabled terminals, a $0 Liability Guarantee for fraudulent transactions and extra protection when you add your card to your digital wallet.
  • Show pride in your profession with a card design just for you

how it helps

Save on interest and shop securely


Take advantage of a low introductory APR offer and get the lowest rate of any NEA credit card. There’s no annual fee and no Penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.


Bank via mobile and text and get helpful account alerts. Access your FICO® Score anytime—free with award-winning Online Banking.*


Stress less with zero-liability fraud protection and chip card technology for greater security when used at chip-enabled terminals. Plus, add your card to your digital wallet so you can shop securely without having to share your physical credit card account number with most merchants.

How It Works

How to apply for your NEA RateSmart Card

Apply online

Click the “Apply Now” button to fill out an online application.

Apply by phone

Call 1-888-758-7946 Monday-Friday 9 a.m. - 9 p.m. and mention source code VC01KR.

Transparent Bank of America Logo - NEA Member Benefits Partner

Bank of America helps support educators and the NEA.

Since 1983, NEA Member Benefits and Bank of America have worked together to support initiatives important to members like you—such as the NEA Foundation, the Disaster Relief Program and more.


Bank of America is one of the top supporters of The NEA Foundation, donating over $1.4M since 2004. These grants fund approximately 120 projects throughout the country each year to enable educators to develop their professional practices and improve student learning.


Learn more about how we select our partners

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Terms & Conditions

† For information about the rates, fees, other costs and benefits associated with the use of this credit card, please call 1-888-758-7946 and mention source code VC01KR or click on “Apply Now” and refer to the disclosures accompanying the online credit application.

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.

Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

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.

* The FICO® Score Program is for educational purposes and for your non-commercial, personal use. This benefit is available only for primary cardholders with an open and active consumer credit card account who have a FICO® Score available. The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Data connection required. Wireless carrier fees may apply.

© 2020 Bank of America Corporation