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1000 on the card in the first three months of account opening. But if itвs still not paid off after that time, you can transfer the remaining balance to another credit card, such as Chase Slate, which doesnвt charge a balance transfer fee. There are some differences between them so this is an area where, once again, tranfer is important. 3 over wdlls last three months. The only way to contact BOA now is to call them. In fact, there isnвt a cashback card out there with a lower minimum spend, making Citi SMRT Card excellent for a modest budget. In order to receive the best perks, you would need to earn 1,000 so-called 'tier points' to qualify for the highest level of membership od gold. It has no annual fee, and you get 4 back barsrestaurants, 3 back on flights and hotels, 2 online shopping, 1 in-stores.

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