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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Saturday, September 19, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<div id="block_28ec0ac4f100f38f8e349c5b2531e7b4" class="key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4" id="key-takeaways" data-position="0" data-beam-element-viewed="" data-id="br-h2-0-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Key takeaways" data-outcome="">
    <span class="shrink-0">Control de grifo</span><br />
        <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block"></span><br />
    </h2>
<p>    <!-- htmlmin:ignore --></p>
<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-disc">
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Designar entre el <span data-capi-name="6544">Polímero de crédito BankAmericard®</span>* y el <span data-capi-name="22069416">Polímero de crédito de recompensas de efectivo personalizadas de Bank of America®</span> Probablemente se reduzca si necesita un grande período de preparación de APR más de lo que necesita recompensas de devolución de efectivo.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            La plástico de recompensas de efectivo personalizada permite a los titulares de tarjetas nominar qué categoría de gastos le otorga la decano cantidad de efectivo, mientras que el BankAmericard no apetito recompensas en invariable.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Sin incautación, a diferencia de las recompensas de efectivo personalizadas, el BankAmericard viene con una propuesta introductoria APR sobre compras y transferencias de saldo.
                                                </li>
</ul>
</div>
<p>Determinar la mejor plástico de crédito para sus objetivos financieros no siempre es practicable. Por ejemplo, tal vez su objetivo es obtener más recompensas en sus gastos, o tal vez necesite ayuda para abonar una deuda de detención interés o financiar una gran negocio con el tiempo. Comparar las características, beneficios y beneficios de diferentes tarjetas puede ayudarlo a nominar una plástico de crédito que mejor se adapte a sus evacuación individuales.</p>
<p>Designar entre la plástico de crédito Bankamericard® y la plástico de crédito de recompensas de efectivo personalizadas BankAmericard y Bank of America® se reduce a exactamente ese atmósfera, ya sea que prefiera tener una larga preparación APR o una preparación un poco más corta y la oportunidad de obtener recompensas continuas. Sin incautación, hay algunos otros detalles que pueden influir en su intrepidez en una dirección inesperada.</p>
<p>Echemos un vistazo a lo que ofrecen estas tarjetas y qué opción podría ser más adecuada para sus objetivos financieros.</p>
<h2 data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Main details" data-outcome="">Detalles principales</h2>
<div class="w-full overflow-x-auto">
<table class="wp-block-table is-style-stripes wrapped">
<thead>
<tr>
<th>Tarjetas</th>
<th><span data-capi-name="6544">Polímero de crédito BankAmericard®</span></th>
<th><span data-capi-name="22069416">Polímero de crédito de recompensas de efectivo personalizadas de Bank of America®</span></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Bono de bienvenida</strong></td>
<td>N / A</td>
<td><span data-capi-intro-bonus="22069416"></p>
<ul class="capi-bullets" data-capi-bullets="22069416">
<li class="capi-bullets__item" data-index="0">Abono de recompensas en efectivo en linde de $ 200 luego de obtener al menos $ 1,000 en compras en los primeros 90 días de comprensión de cuenta.</li>
</ul>
<p></span></td>
</tr>
<tr>
<td><strong>Tasa de recompensas</strong></td>
<td>
<!-- No Reward Rates found for "6544" -->N / A</td>
<td>
<ul class="capi-bullets" data-capi-reward-rates="22069416">
<li class="capi-bullets__item" data-index="0">Obtenga un reembolso del 6% en efectivo durante el primer año en la categoría de su votación.</li>
<li class="capi-bullets__item" data-index="1">Obtenga un reembolso del 3% en efectivo luego del primer año de la comprensión de la cuenta en su categoría de votación.</li>
<li class="capi-bullets__item" data-index="2">Obtenga un 2% de reembolso en efectivo en tiendas de comestibles y clubes mayoristas. Gane 6% y 2% de reembolso en efectivo en los primeros $ 2,500 en compras combinadas cada trimestre en la categoría de votación, y en supermercados y clubes mayoristas. A posteriori de que finalice la propuesta de ganancia de primer año del 3%, obtendrá un reembolso del 3% y el 2% en efectivo en estas compras hasta el mayor trimestral.</li>
<li class="capi-bullets__item" data-index="3">Gane el 1% en efectivo en todas las demás compras.</li>
</ul>
</td>
</tr>
<tr>
<td><strong>Inclusión APR</strong></td>
<td>
<ul>
<li>0% Inclusión a APR para 18 ciclos de facturación en transferencias de estabilidad realizadas internamente de los primeros 60 días y en compras</li>
<li>Se aplica una tarifa de transferencia de saldo de 3% de preparación durante los primeros 60 días, luego el 4%</li>
<li>A posteriori de que termina el período de preparación, un <span data-capi-apr="ongoing_purchases" data-pid="6544">15.24% &#8211; 25.24% Variable APR en compras y transferencias de saldo</span> se aplica</li>
</ul>
</td>
<td>
<ul>
<li>0% Inclusión a APR para 15 ciclos de facturación en transferencias de estabilidad realizadas en los primeros 60 días y en compras</li>
<li>Se aplica una tarifa de transferencia de saldo de 3% de preparación durante los primeros 60 días, luego el 4%</li>
<li>A posteriori de que termina el período de preparación, un <span data-capi-apr="ongoing_purchases" data-pid="22069416">18.24% &#8211; 28.24% Variable APR en compras y transferencias de saldo</span> se aplica</li>
</ul>
</td>
</tr>
<tr>
<td><strong>Tarifa anual</strong></td>
<td><span data-capi-fee="ongoing_annual" data-pid="6544">$ 0</span></td>
<td><span data-capi-fee="ongoing_annual" data-pid="22069416">$ 0</span></td>
</tr>
<tr>
<td><strong>Tarifas de transacción extranjera</strong></td>
<td>
<span data-capi-fee="foreign_exchange" data-pid="6544">3%</span> Tarifa de transacciones extranjeras</td>
<td>
<span data-capi-fee="foreign_exchange" data-pid="22069416">3%</span> Tarifa de transacciones extranjeras</td>
</tr>
</tbody>
</table>
</div>
<h2 id="highlights" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="BankAmericard vs. Bank of America Customized Cash Rewards highlights" data-outcome="">BankAmericard vs. Bank of America personalizados en efectivo destacados</h2>
<p>Aunque las recompensas de efectivo personalizadas de Bankamericard y Bank of America comparten algunas características, como sin tarifa anual y una tarifa de transacción extranjera del 3 por ciento, y provienen del mismo emisor, las similitudes terminan allí. Aquí hay un vistazo a cómo se comparan estas tarjetas de crédito del Bank of America:</p>
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        <span class="block capitalize">Abono de bienvenida triunfador</span><br />
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        <span class="block capitalize">Vencedor de la tasa de recompensas</span><br />
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        <span class="block capitalize">Vencedor introductorio de APR</span><br />
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        <span class="block capitalize">Vencedor de tarifas anuales</span><br />
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        <span class="block capitalize">Vencedor de la tarifa de transacción extranjera</span><br />
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<h2 id="earns" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Which card earns the most?" data-outcome="">¿Qué plástico apetito más?</h2>
<p>Por lo genérico, nuestras batallas de tarjetas muestran ejemplos de gastos que resaltan cuánto ganará con una plástico en comparación con otra (basada en sus estructuras de recompensas), pero en este caso, solo una plástico apetito recompensas. Es por eso que nos centraremos en cómo se comparan estas tarjetas en una situación de transferencia de saldo primero, luego entraremos en lo que podría obtener utilizando la plástico de recompensas de efectivo personalizada.</p>
<h3>Ejemplo de transferencia de saldo de efectivo personalizado vs. BankAmericard</h3>
<p>Así es como estas dos tarjetas se compararían con una transferencia de saldo de $ 5,000 como ejemplo.</p>
<div class="w-full overflow-x-auto">
<table class="wp-block-table is-style-stripes wrapped">
<thead>
<tr>
<th> </th>
<th><span data-capi-name="6544">Polímero de crédito BankAmericard®</span></th>
<th><span data-capi-name="22069416">Polímero de crédito de recompensas de efectivo personalizadas de Bank of America®</span></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Monto de transferencia de saldo</strong></td>
<td>$ 5,000</td>
<td>$ 5,000</td>
</tr>
<tr>
<td><strong>Tarifa de transferencia de saldo del 3%</strong></td>
<td>$ 150</td>
<td>$ 150</td>
</tr>
<tr>
<td><strong>Saldo total</strong></td>
<td>$ 5,150</td>
<td>$ 5,150</td>
</tr>
<tr>
<td><strong>Duración de la preparación 0% de período de abril</strong></td>
<td>18 ciclos de facturación</td>
<td>15 ciclos de facturación</td>
</tr>
<tr>
<td><strong>Plazo promedio requerido para abonar durante el período del 0% de APR</strong></td>
<td>$ 286.12 por mes</td>
<td>$ 343.34 por mes</td>
</tr>
<tr>
<td><strong>APR en curso</strong></td>
<td><span data-capi-apr="ongoing_purchases" data-pid="6544">15.24% &#8211; 25.24% Variable APR en compras y transferencias de saldo</span></td>
<td><span data-capi-apr="ongoing_purchases" data-pid="22069416">18.24% &#8211; 28.24% Variable APR en compras y transferencias de saldo</span></td>
</tr>
</tbody>
</table>
</div>
<p>Si transfirió un saldo de $ 5,000 a cualquiera de las tarjetas internamente de los primeros 60 días desde la comprensión de la cuenta, estaría sujeto a una tarifa de transferencia de saldo del 3 por ciento, lo que eleva su saldo total a $ 5,150.</p>
<p>Con el BankAmericard, obtendrá 18 ciclos de facturación para abonar su deuda sin intereses. Ese es un plazo mensual de poco más de $ 286 para abonar su saldo en su totalidad. Si no paga la deuda en esos 18 ciclos de facturación, su saldo restante estará sujeto a un <span data-capi-apr="ongoing_purchases" data-pid="6544">15.24% &#8211; 25.24% Variable APR en compras y transferencias de saldo</span>.</p>
<p>Con la plástico de recompensas de efectivo personalizada, obtendría 15 ciclos de facturación para abonar su deuda, lo que significa que su plazo mensual debería ser de poco más de $ 343 para abonar su deuda durante la ventana emancipado de intereses. A posteriori de 15 ciclos de facturación, un <span data-capi-apr="ongoing_purchases" data-pid="22069416">18.24% &#8211; 28.24% Variable APR en compras y transferencias de saldo</span> Iniciará.</p>
<p>Por lo tanto, el BankAmericard le permite realizar pagos mensuales más bajos y tiene una variable potencialmente más desvaloración APR que la plástico de recompensas de efectivo personalizada, lo que además podría ser útil si le queda un poco de deuda al final de su período de preparación APR.</p>
<h3>Bank of America Ejemplo de pago de recompensas de efectivo personalizadas</h3>
<p>La calculadora de recompensas de efectivo personalizadas de Bank of America le muestra cuánto reembolso en efectivo puede obtener en cada categoría. Para este ejemplo, supongamos:</p>
<ul>
<li>$ 10,000 en gastos anuales en la categoría de opción del 3 por ciento</li>
<li>$ 8,000 en gastos anuales en la categoría del 2 por ciento</li>
<li>$ 6,000 en gastos anuales en la categoría del 1 por ciento</li>
</ul>
<p>Recuerde, hay un linde de pago combinado de $ 2,500 en las categorías de 3 y 2 por ciento cada trimestre. Entonces, si suponemos que su pago de categoría del 3 por ciento disminuye a $ 2,500 cada trimestre, ganará $ 440 en reembolso en efectivo usando este ejemplo. Para los miembros de las recompensas preferidas, sus recompensas de reembolso en efectivo podrían impulsarse a $ 550 si es miembro de oro, $ 660 si es miembro de Platinum y $ 770 si es miembro de honor de platino o superior.</p>
<h2 id="bankamericard" data-position="4" data-beam-element-viewed="" data-id="br-h2-4-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Why should you get the BankAmericard?" data-outcome="">¿Por qué deberías obtener el BankAmericard?</h2>
<p>El BankAmericard vale la pena si absolutamente necesita 18 ciclos de facturación completos para abonar su deuda, y los 15 ciclos de facturación ofrecidos por la plástico de efectivo personalizada simplemente no lo reducirán. Sin incautación, en muchas circunstancias, si puede renunciar a los tres meses adicionales de pagos sin intereses, la plástico de recompensas de efectivo personalizada proporciona un valencia mucho mejor a grande plazo.</p>
<h2 id="boa-customized-cash" data-position="5" data-beam-element-viewed="" data-id="br-h2-5-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Why should you get the Bank of America Customized Cash Rewards?" data-outcome="">¿Por qué debería obtener las recompensas de efectivo personalizadas del Bank of America?</h2>
<p>La plástico de recompensas de efectivo personalizada del Bank of America es ideal para aquellos que buscan obtener recompensas flexibles mientras disfrutan de una propuesta de preparación sólida. Si está buscando un valencia continuo, la plástico de recompensas de efectivo personalizada puede entregar valencia en los próximos primaveras, incluso cuando elimina los ahorros de las ofertas de preparación APR y la ganancia de bienvenida. Su transporte de recompensas puede obtener un impulso aún decano si es un miembro de recompensas preferidos.</p>
<h2 data-position="6" data-beam-element-viewed="" data-id="br-h2-6-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The bottom line" data-outcome="">El resultado final</h2>
<p>Por ahora, probablemente esté claro que estas cartas son adecuadas para diferentes propósitos. BankAmericard es mejor para algún que necesita el período de APR de preparación más grande posible, ya sea para una gran negocio o transferencia de saldo. Sin incautación, la plástico de recompensas de efectivo personalizada del Bank of America es mejor para aquellos que buscan obtener más valencia a grande plazo, especialmente aquellos que obtendrán una mejor tasa de recompensas como parte del software de recompensas preferidas.</p>
<p class="text-sm text-slate"><i>*La información sobre la plástico de crédito Bankamericard® ha sido recopilada independientemente por Bankrate. Los detalles de la plástico no han sido revisados ​​ni aprobados por el emisor de la plástico.</i></p>
<p class="text-sm text-slate"><i>El contenido del Bank of America en esta publicación se actualizó por última vez el 29 de junio de 2025.</i></p>
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<!-- sc5a72ec-676129 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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