Bank of America Advantage SafeBalance Banking® Debit Card

3.7 7.4/10 DebitCue Score Verified Jun 20, 2026

Overdraft-free everyday spending with a Visa debit card

Fee: $4.95 USD/mo; Monthly fee waived for: customers under 25; customers maintaining a $500 minimum daily balance; Preferred Rewards members
Foreign fee: 3%
Rewards: No rewards

Rewards

No rewards program on the debit card itself. Occasional cash-back deals available via the BofA Deals program in Online and Mobile Banking.

Our verdict

What stands out, and where it falls short.

Worth weighing

$4.95 USD/mo card fee
3% foreign transaction fee

Who It Is For

Whether the Bank of America Advantage SafeBalance Banking® Debit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $4.95 USD/mo fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $4.95 USD/mo
Foreign transaction fee: 3%
Monthly Fee: $4.95 (multiple waiver options available)
International ATM Fee: $5 per transaction + 3% international transaction fee
Out-of-Network ATM Fee: $2.50 domestic; free at 15,000+ BofA ATMs

Rewards and features

Rewards: No rewards program on the debit card itself. Occasional cash-back deals available via the BofA Deals program in Online and Mobile Banking.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
No Checkwriting: SafeBalance is a checkless account; checks cannot be written
Digital Card: Mobile-only virtual card with rotating security code for enhanced online fraud protection

Benefits and perks

Extras that come bundled with the card.

No Overdraft Fees

Transactions that exceed available balance are declined rather than creating overdraft charges

Bank of America Advantage SafeBalance Banking® Debit Card: your questions answered

How much does the Bank of America Advantage SafeBalance Banking® Debit Card cost?

The Bank of America Advantage SafeBalance Banking® Debit Card costs $4.95 USD/mo. Monthly fee waived for: customers under 25; customers maintaining a $500 minimum daily balance; Preferred Rewards members.

What rewards does the Bank of America Advantage SafeBalance Banking® Debit Card earn?

The Bank of America Advantage SafeBalance Banking® Debit Card earns No rewards program on the debit card itself. Occasional cash-back deals available via the BofA Deals program in Online and Mobile Banking..

Does the Bank of America Advantage SafeBalance Banking® Debit Card charge foreign transaction fees?

Yes - the Bank of America Advantage SafeBalance Banking® Debit Card charges a 3% foreign transaction fee.

Is the Bank of America Advantage SafeBalance Banking® Debit Card a credit, debit or prepaid card?

The Bank of America Advantage SafeBalance Banking® Debit Card is a debit card issued by Bank of America on the Visa network.

Does the Bank of America Advantage SafeBalance Banking® Debit Card support Apple Pay and Google Pay?

Yes - the Bank of America Advantage SafeBalance Banking® Debit Card works with both Apple Pay and Google Pay.

Where can I get the Bank of America Advantage SafeBalance Banking® Debit Card?

The Bank of America Advantage SafeBalance Banking® Debit Card is currently offered in United States.

How does DebitCue rate the Bank of America Advantage SafeBalance Banking® Debit Card?

DebitCue rates the Bank of America Advantage SafeBalance Banking® Debit Card 3.7 out of 5 (7.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Bank of America Advantage SafeBalance Banking® Debit Card?

Use the Apply now button to continue on Bank of America's secure site. Comparing and applying through DebitCue is free.