Bank of America · MASTERCARD · annual fee $0
The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.
Foreign transaction fee: 3%
Purchase APR: 14.99%-25.99%
The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/bofa-bankamericard.