What are credit card fees? The interest rates will be listed on the card's monthly statement and online account summary Bank of america charges fees and separate interest rates for cash advances
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Bank of america charges a fee of 4% to 5% and an interest rate of 4% to 5% up to 28.24% variable.
Bank of america charges a high variable apr if you take out a cash advance with a check, and that percentage tends to be higher if you take one out at an atm.
A credit card cash advance is a loan from the issuer of your credit card Like any loan, it has an interest rate (the card’s cash advance apr) and other terms such as daily interest accrual and monthly minimum payment due. Cash advances carry a higher annual percentage rate (apr) than standard purchases on your credit card Additionally, interest begins accruing immediately, with no grace period
Cash advance apr is typically around 7% higher than purchase apr. The best bank of america credit cards include solid cash rewards and travel cards — which get even better if you do your banking with the issuer. Interest usually starts accruing once you borrow the cash, meaning you have no grace period where you won't incur interest as long as you pay your balance in full by the due date A credit card cash advance is a withdrawal of cash from your credit card account
Essentially, you’re borrowing against your credit card to put cash in your pocket
However, there are costs to taking a credit card cash advance and, in some cases, limits on the amount you can withdraw. There are very few credit cards that have no cash advance fees and low aprs, the best of which is the penfed platinum rewards card This card has a 0% cash advance fee and a cash advance apr of 17.99%. In addition to the regular rate, bank of america credit cards come with a separate interest rate for cash advances and a penalty rate for delinquent payments
