
MTA® Customized Cash Rewards
Visa Signature® credit card
Maximize your cash back.
This MTA card, provided by Bank of America, gives you the opportunity to maximize your cash back in the category that best fits your lifestyle.
- 1% unlimited cash back on every purchase
- 2% automatic cash back at grocery stores and wholesale clubs
- 3% customized cash back in the category of your choice
Choose from one of 6 categories: gas, online shopping, dining, travel, drug stores or home improvement and furnishings. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
Earn 2% and 3% cash back on the first $2,500 in combined grocery store/wholesale club/choice category purchases each quarter, then earn 1% thereafter.
- MEMBER EXCLUSIVE ONLINE BONUS OFFER: Get a $200 Cash Rewards Bonus after you make at least $500 in purchases within the first 90 days of account opening
- Low Intro APR offer*
- No annual fee*
- Zero liability fraud protection
- Chip card technology for greater security when used at chip card terminals
- Access your FICO® Score for free in Online Banking or the Mobile Banking app, updated monthly**
- 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
- Free general admission with Museums on Us® to more than 225 museums on the first Saturday and Sunday of every month
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NEA RateSmart® credit card 
The NEA RateSmart Card, provided by Bank of America, offers the lowest rate of any NEA or MTA credit card. It's available to MTA members looking to save on interest and comes with these great benefits:
- Low Intro APR offer*
- No annual fee*
- Zero liability fraud protection
- Chip card technology for greater security when used at chip enabled card terminals
- Access your FICO® Score for free in Online Banking or the Mobile Banking app, updated monthly**
- 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
- Free general admission with Museums on Us® to more than 225 museums on the first Saturday and Sunday of every month
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
*For information about rates, fees, other costs and benefits associated with the use of these credit cards, or to apply, click on the links above and refer to the disclosures accompanying the online credit application.
** 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.
This credit card program is issued and administered by Bank of America, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A. Inc. Museums on Us, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.