Bank of America Credit Cards: Best Offers [May 2025]

As one of the largest banks in the U.S., Bank of America offers several consumer and business cards to choose from. For frequent travelers, Bank of America's selection of the best travel credit cards provides valuable benefits for your upcoming trips and adventures. For everyday expenses, use one of the best cashback credit cards to earn rewards on every purchase you make.

If you're interested in applying for a new Bank of America credit card, here are some fantastic options.

Latest Bank of America personal card offers

Easy-to-Earn Unlimited Rewards

Bank of America^® Travel Rewards credit card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Travel Rewards credit card

Apply Now

Annual Fee

$0

Benefits and Drawbacks

Benefits

• $0 annual fee
• Simple, flat-rate rewards
• Flexible redemption options
• Up to 75% Bank of America Preferred Rewards® bonus potential

Drawbacks

• Lower earnings than category-specific travel cards
• Limited travel perks

Card Details

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Generous Welcome Bonus

Bank of America^® Premium Rewards^® credit card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Premium Rewards^® credit card

Apply Now

Annual Fee

$95

Benefits and Drawbacks

Benefits

• Earn 2X points for every dollar spent on on travel and dining
• Strong welcome offer
• Statement credits for TSA PreCheck® or Global Entry
• No foreign transaction fees

Drawbacks

• Charges a $95 annual fee
• No 0% introductory APR offer for purchases or balance transfers
• Includes a slightly higher ongoing APR compared to other travel credit cards
• Limited redemption options

Card Details

• Low $95 annual fee.
• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Choose Your Cashback Category

Bank of America^® Customized Cash Rewards credit card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Customized Cash Rewards credit card

Apply Now

Annual Fee

$0

Benefits and Drawbacks

Benefits

• $0 annual fee
• Enhanced cash back in a popular spending category of your choice
• Long intro APR on purchases and qualifying balance transfers
• You can swap out your highest spending category each month, so you can maximize earnings

Drawbacks

• Quarterly spending caps
• 3% foreign transaction fee
• Must be a Bank of America Preferred Rewards® member for maximized benefits
• Not as many redemption options

Card Details

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Earn Valuable Alaska Airlines Miles

Alaska Airlines Visa Signature^® Credit Card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Alaska Airlines Visa Signature^® Credit Card

Compare Credit Cards

Current Offer

Receive a 30% flight discount code for a qualifying future flight after opening your new account. Earn 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after making $3,000 or more in purchases within the first 90 days of opening your account (limited time offer).

Annual Fee

$95

Rewards Rate

3X miles on eligible Alaska Airlines purchases; 2X miles on eligible gas, EV charging stations, cable, streaming services, and local transit (including ride shares, trains, tolls, and ferries); and 1X miles on all other eligible purchases

Benefits and Drawbacks

Benefits

• Free checked bag
• 20% off in-flight purchases
• $100 off an annual Alaska Lounge+ membership
• Path to $99 companion fare

Drawbacks

• Has an annual fee
• Limited cardholder benefits
• Limited redemption flexibility

Card Details

• Receive a 30% flight discount code for a qualifying future flight after opening your new account. Earn 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after making $3,000 or more in purchases within the first 90 days of opening your account (limited time offer).
• 3X miles on eligible Alaska Airlines purchases; 2X miles on eligible gas, EV charging stations, cable, streaming services, and local transit (including ride shares, trains, tolls, and ferries); and 1X miles on all other eligible purchases

Help fight breast cancer

Susan G. Komen^® Customized Cash Rewards Visa^® credit card from Bank of America

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Susan G. Komen^® Customized Cash Rewards Visa^® credit card from Bank of America

Compare Credit Cards

Current Offer

Earn $200 in cash rewards after spending $1,000 in the first 90 days

Annual Fee

$0

Rewards Rate

3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases

Benefits and Drawbacks

Benefits

• You choose your 3% bonus category
• Intro APR on new purchases and balance transfers
• Help support the Susan G. Komen foundation

Card Details

• Earn $200 in cash rewards after spending $1,000 in the first 90 days
• 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases
• Intro purchase 0% APR offer: 0% for 15 billing cycles then 18.24% - 28.24% Variable
• Intro balance transfer 0% APR offer: 0% for 15 billing cycles for any qualifying balance transfers made in the first 60 days then 18.24% - 28.24% Variable

Build Credit and Earn Cash Back

Bank of America^® Customized Cash Rewards credit card for Students

4.75

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Customized Cash Rewards credit card for Students

Apply Now

Annual Fee

$0

Benefits and Drawbacks

Benefits

• Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
• Introductory APR on purchases and qualifying balance transfers
• Earn 3% cash back in the category of your choice — gas and EV charging stations, online shopping, dining, travel, drug store/pharmacy or home improvement/furnishings (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter)
• No annual fee

Drawbacks

• Has foreign transaction fee
• No rewards for good grades

Card Details

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Lucrative Welcome Bonus

Bank of America^® Travel Rewards credit card for Students

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Travel Rewards credit card for Students

Apply Now

Annual Fee

$0

Benefits and Drawbacks

Benefits

• Introductory purchase and qualifying balance transfer APRs
• Welcome offer
• Credit-building tools, including monthly access to your FICO score
• No annual fee
• No foreign transaction fees

Drawbacks

• Missing important travel-related perks, such as travel accident insurance
• No special statement credits or spending categories
• High spending requirement for the welcome bonus

Card Details

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Long Intro APR Offer

BankAmericard^® Credit Card for Students

3.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

BankAmericard^® Credit Card for Students

Compare Credit Cards

Current Offer

Competitive introductory APR offer for purchases and balance transfers with a long payback period

Annual Fee

$0

Benefits and Drawbacks

Benefits

• Intro APR on purchases and qualifying balance transfers
• FICO Credit Score monitoring through mobile app
• Access to credit education
• $0 annual fee

Card Details

• Competitive introductory APR offer for purchases and balance transfers with a long payback period
• Intro purchase 0% APR offer: 0% for 18 billing cycles then 15.24% - 25.24% Variable
• Intro balance transfer 0% APR offer: 0% for 18 billing cycles for any qualifying balance transfers made in the first 60 days then 15.24% - 25.24% Variable

Large Credit Line Available

BankAmericard^®️ Secured Credit Card

3.6

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

BankAmericard^®️ Secured Credit Card

Compare Credit Cards

Current Offer

Optional overdraft protection

Annual Fee

$0

Benefits and Drawbacks

Benefits

• $200 to $5,000 credit line
• Free monthly credit score
• No application fees or activation fees

Card Details

• Optional overdraft protection

Latest Bank of America business card offers

Get up to 3X points

Bank of America^® Business Advantage Travel Rewards World Mastercard^® credit card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Business Advantage Travel Rewards World Mastercard^® credit card

Compare Credit Cards

Current Offer

Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening

Annual Fee

$0

Rewards Rate

3 points per $1 on travel booked through the Bank of America® Travel Center and 1.5 points per $1 on all other purchases

Benefits and Drawbacks

Benefits

• $0 annual fee
• Unlimited 1.5X points earned on purchases

Drawbacks

• No travel partners to maximize rewards
• Best rewards come from the Preferred Rewards program, but it’s hard to qualify for

Card Details

• Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening
• 3 points per $1 on travel booked through the Bank of America® Travel Center and 1.5 points per $1 on all other purchases

Pick Your Top Business Cashback Category

Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card

4.3

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card

Compare Credit Cards

Current Offer

Earn a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening

Annual Fee

$0

Rewards Rate

3% cash back in your category of choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services and 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, then 1%); and unlimited 1% cash back on all other purchases

Benefits and Drawbacks

Benefits

• $0 annual fee
• Introductory APR for purchases
• Can change your category of choice once per month
• Competitive welcome bonus

Drawbacks

• No introductory APR for balance transfers
• Complicated rewards structure

Card Details

• Earn a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening
• 3% cash back in your category of choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services and 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, then 1%); and unlimited 1% cash back on all other purchases

Unlimited 1.5% Cash Back

Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card

Compare Credit Cards

Current Offer

Earn a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening

Annual Fee

$0

Rewards Rate

unlimited 1.5% cash back on all purchases

Benefits and Drawbacks

Benefits

• Unlimited 1.5% cash back on all purchases
• Generous welcome offer
• $0 annual fee

Drawbacks

• High minimum balance to qualify for Preferred Rewards for Business
• Introductory 0% APR (then 17.49% - 27.49% Variable) on purchases only lasts 9 billing cycles
• 3% foreign transaction fee

Card Details

• Earn a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening
• unlimited 1.5% cash back on all purchases

Low Interest for Small Businesses

Bank of America^® Platinum Plus^® Mastercard^® Business card

3.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Platinum Plus^® Mastercard^® Business card

Compare Credit Cards

Current Offer

Earn a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening

Annual Fee

$0

Benefits and Drawbacks

Benefits

• Earn a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening
• 0% introductory APR on purchases for 7 billing cycles (then 15.49% - 26.49% Variable APR)
• $0 annual fee

Drawbacks

• No rewards for spending
• Short introductory APR period on purchases compared to other cards
• Better welcome offers are available with other cards

Card Details

• Earn a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening

Earn a Bonus & Companion Fare!

Alaska Airlines Visa^® Business card

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Alaska Airlines Visa^® Business card

Compare Credit Cards

Current Offer

Earn 60,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account

Annual Fee

$70 - (annual fee is $70 for the company and $25 per card)

Rewards Rate

3X miles on eligible Alaska Airlines purchases, 2X miles on eligible gas, EV charging station, shipping, and local transit (including rideshare) purchases, and 1X miles on all other purchases

Benefits and Drawbacks

Benefits

• No blackout dates to redeem miles, which allows more travel flexibility
• One free checked bag (up to six guests)
• Companion Fare™ can save you money

Drawbacks

• Employee cards cost $25 each per year
• Alaska Airlines primarily flies on the West Coast

Card Details

• Earn 60,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account
• 3X miles on eligible Alaska Airlines purchases, 2X miles on eligible gas, EV charging station, shipping, and local transit (including rideshare) purchases, and 1X miles on all other purchases

Compare our favorite Bank of America credit cards

Here's how some of our favorite cards from Bank of America stack up against each other.

Card	Card type	Annual fee	Sign-up bonus	Rewards
Bank of America® Travel Rewards credit card	Travel	$0	Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases	Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center and 1.5 points per $1 spent on all purchases
Bank of America® Customized Cash Rewards credit card for Students	Cash back	$0	Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening	Earn 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% cash back on all other purchases
Bank of America® Premium Rewards® credit card	Rewards	$95	Earn 60,000 online bonus points (a $600 value) after you make at least $4,000 in purchases in the first 90 days of account opening	Earn 2 points per $1 on travel and dining purchases and 1.5 points per $1 on all other purchases

What is Bank of America?

The modern-day Bank of America brand was launched in 1998, but the company's roots stretch back to 1904 and the Bank of Italy in San Francisco, which was later rebranded to Bank of America. The first Bank of America credit card debuted in 1958. 

As Bank of America moved into the modern age, it revolutionized the banking industry with the world's first electronic recording machine-accounting (ERMA) system, which helped speed up how checks were processed.

Today, Bank of America provides a wide variety of financial services for millions of clients around the globe. Some of its most well-known services are checking and savings accounts, credit cards, home and auto loans, and personalized investment plans. Bank of America primarily operates within the U.S., but its services are available in dozens of countries around the world.

With over 210,000 employees and billions of dollars in annual net income, Bank of America is a leading force within the U.S. and global banking industries.

What are the different types of Bank of America credit cards?

Bank of America credit cards are available for both personal and business use. Choose from cashback cards, travel cards, co-branded cards, and more. For most credit card needs, Bank of America has you covered.

Bank of America cashback cards

Cashback cards provide terrific potential for earning rewards on everyday purchases. If you want to earn cash back on gas, groceries, shopping, and dining purchases, consider a Bank of America cashback credit card. Some cards even offer the chance to choose your bonus categories, so you can earn an even higher cashback rate in the categories where you spend the most.

Your Bank of America cashback rewards can typically be redeemed for statement credits, deposits into a Bank of America checking or savings account, or for an eligible Merrill account credit.

Bank of America offers these cashback cards:

• Bank of America^® Customized Cash Rewards credit card
• Bank of America^® Customized Cash Rewards credit card for Students
• Bank of America^® Customized Cash Rewards Secured Credit Card
• Bank of America^® Unlimited Cash Rewards Secured Credit Card
  
• Bank of America^® Premium Rewards^® credit card
  
• Susan G. Komen^® Customized Cash Rewards Visa^® credit card from Bank of America

Bank of America travel cards

Travel rewards credit cards can provide amazing value and benefits for any traveler. It doesn't matter if you take 10 trips a year or just one, travel cards offer great rewards to help offset your trip costs. While reward redemption options vary, with sufficient rewards, you can book free flights and free hotel stays for your next vacation.

In addition, many travel rewards cards have helpful benefits you can take advantage of, including generous sign-up bonuses and other perks. A card with no foreign transaction fees could be useful if you're traveling abroad, as you wouldn't pay an extra fee on credit card purchases. Some cards, including the Bank of America^® Premium Rewards^® credit card, also offer premium benefits, like a TSA PreCheck or Global Entry fee reimbursement. Cardholders also get an airline incidentals credit, which can help offset the cost of baggage fees and other inflight purchases.

Bank of America offers these travel cards:

• Bank of America^® Travel Rewards credit card
• Bank of America^® Travel Rewards credit card for Students
• Bank of America^® Premium Rewards^® credit card
• Bank of America^®️ Premium Rewards^® Elite Credit Card
  

No-annual-fee Bank of America cards

If you want a low-stress credit card without an annual cost, consider one of the best no annual fee credit cards that Bank of America offers. When you don't have to worry about an annual fee, it's easier to focus on earning rewards and using your card's benefits.

For instance, a cashback card offers heaps of cashback potential because you can earn rewards on every purchase. If the same card has no annual fee, the cashback potential is unlimited because there's no annual cost to offset. You may not get any premium benefits with a no annual fee card, but you also don't have to worry about the extra cost.

Bank of America offers these no annual fee cards:

• BankAmericard^®️ Secured Credit Card
• Bank of America^® Travel Rewards credit card for Students
• Bank of America^® Customized Cash Rewards credit card

• Bank of America^® Customized Cash Rewards Secured Credit Card

• Bank of America^® Customized Cash Rewards credit card for Students
  

• Bank of America^® Travel Rewards credit card
• BankAmericard^® Credit Card for Students
  
• Celebrity Cruises^® Visa Signature^® Credit Card
• Norwegian Cruise Line^® World Mastercard^®
• Royal Caribbean Visa Signature^® Card
• Susan G. Komen^® Customized Cash Rewards Visa^® credit card from Bank of America
• BankAmericard^® credit card
  
• Bank of America^® Unlimited Cash Rewards Secured Credit Card
  

Bank of America 0% intro APR cards

If you want to easily manage your debt, see whether you qualify for an introductory 0% APR credit card from Bank of America. This type of credit card allows you to avoid interest charges on purchases and/or balance transfers for a specified period of time. This amount of time is called the 0% APR period and it typically lasts at least 12 billing cycles from when you opened your account.

Cards with 0% intro APR offer periods are often the best balance transfer cards available. While you will typically have to pay a balance transfer fee, these cards make it simple to transfer debt from one credit card to another so you can avoid paying lots of interest for a certain window of time. As long as you pay off the debt during the 0% intro APR period, you'll have avoided accruing any interest on the balance of debt that was transferred.

It's the same thing with 0% intro APR periods on purchases. Leverage the introductory interest rate if you need to make big purchases, but make sure you can pay those purchases off before the intro APR period ends. After the promo period ends, your remaining balance will be subject to a variable APR. So if you don't pay off the card by the time the regular APR kicks in, you've only delayed the interest from accruing and will have to pay it anyway.

Bank of America offers these 0% intro APR cards:

• Bank of America^® Customized Cash Rewards credit card
  
• BankAmericard^® credit card
  
• Bank of America^® Travel Rewards credit card
  
• Bank of America^® Customized Cash Rewards credit card for Students
• Bank of America^® Travel Rewards credit card for Students
• BankAmericard^® Credit Card for Students
  
• Susan G. Komen^® Customized Cash Rewards Visa^® credit card from Bank of America

Bank of America co-branded airline cards

Bank of America often partners with other companies to issue co-branded credit cards. Many of these partnerships are formed with travel-focused companies, including major U.S. and global airlines. The credit cards created as a result of these partnerships are called co-branded airline cards.

The process of earning rewards with co-branded airline cards is similar to that of your directly issued Bank of America travel credit cards. As you make purchases, you earn rewards that can be redeemed for travel. However, with airline cards, your rewards are meant to be used with the specific airline Bank of America has partnered with. So if you have the Alaska Airlines Visa Signature^® Credit Card, you'll earn Mileage Plan miles that can be redeemed for Alaska Airlines flights or flights with Alaska Airlines partners.

Bank of America offers these co-branded airline cards:

• Air France KLM World Elite Mastercard^®
• Alaska Airlines Visa Signature^® Credit Card
• Allways Rewards Visa^® Credit Card
• Free Spirit^® Travel More World Elite Mastercard^®

Other co-branded Bank of America cards

In addition to airlines, Bank of America also partners with other companies to issue specific co-branded credit cards. With each co-branded credit card, you receive a unique opportunity to earn rewards and benefits from the partnership.

With the Susan G. Komen^® Customized Cash Rewards Visa^® credit card from Bank of America, you help fight breast cancer with every purchase you make with your card.

Bank of America offers these other co-branded cards:

• Celebrity Cruises^® Visa Signature^® Credit Card
  
• Norwegian Cruise Line^® World Mastercard^®
• Royal Caribbean Visa Signature^® Card
  
• Sonesta World Mastercard^®
• Susan G. Komen^® Customized Cash Rewards Visa^® credit card from Bank of America

Bank of America business credit cards

The best business credit cards offer valuable perks and benefits to help you run your business. These cards can also make it easier for you to separate business from personal expenses.

Bank of America has multiple business card options for small business owners. If you travel often for work, consider one of the travel business cards. Or, for your everyday business expenses, a cashback rewards business card could be a good fit.

Bank of America offers these business credit cards:

• Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card
  
• Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card
  
• Bank of America^® Business Advantage Travel Rewards World Mastercard^® credit card
• Bank of America^® Platinum Plus^® Mastercard^® Business card
• Alaska Airlines Visa^® Business card
  

How does Bank of America compare to other credit card companies?

Bank of America is one of the largest companies in the U.S. banking industry and around the world, but it still faces tough competition from other businesses. Competitors like Wells Fargo, TD Bank, and Capital One are also major players in the financial services world. Let's see how Bank of America fares against these three credit card issuers.

Bank of America vs. Wells Fargo

Bank of America and Wells Fargo both offer similar financial services. They issue credit cards, provide checking and savings accounts, and you can take out loans with both banks. Their credit cards are mainly used on the Visa and Mastercard payments networks, so they're generally accepted everywhere in the world.

Overall, Bank of America offers a lot more credit card options than Wells Fargo so it's easier to find the perfect match for what you need. Both companies have more than 200,000 employees.

Bank of America vs. TD Bank

TD Bank provides typical banking services like bank accounts and personal loans, so it's a business that functions very similarly to Bank of America. TD Bank also issues its own credit cards, but its offerings are limited compared to Bank of America's options. With only a few credit cards to choose from, it's nowhere near the dozens of available Bank of America credit cards.

Both companies use Visa to process their credit card payments, though some of the Bank of America credit cards use Mastercard as well. In a straightforward size comparison, Bank of America is a much larger company than TD Bank. Bank of America employs more than 200,000 workers whereas TD Bank has about 85,000 employees.

Bank of America vs. Capital One

Capital One offers a variety of financial products and services, including credit cards, online banking, and auto loans. In this aspect, both Bank of America and Capital One operate similarly. There aren't as many Capital One credit cards as Bank of America credit cards, but there's still plenty to choose from overall.

All Bank of America and Capital One credit cards use the Visa and Mastercard payments networks for ease of use throughout the world. For company size, Bank of America's employee count of over 200,000 just about quadruples the nearly 52,000 employees of Capital One.

Which Bank of America credit card should you choose?

For frequent travelers, Bank of America's selection of the best travel credit cards provides valuable benefits for your upcoming trips and adventures. For everyday expenses, use one of the best cashback credit cards to earn bonus rewards on every purchase you make.

If you want to choose the right Bank of America credit card, figure out what your financial needs and goals are. Also, consider your spending habits and lifestyle choices. Bank of America has enough credit card options to suit most anyone, but the ideal fit will depend on what you're looking for. Check out the available credit cards and see which ones most align with what you need.

For a no-nonsense cashback credit card, it's hard to beat the Bank of America^® Customized Cash Rewards credit card. It has a $0 annual fee and earns cash back on every purchase. Even better, you'll earn a bonus 3% cash back on the category of your choice — gas and EV charging stations, online shopping, dining, travel, drug store/pharmacy or home improvement/furnishings (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), which makes it easy to earn cash back on your most common expenses.

For travel enthusiasts, the Bank of America^® Premium Rewards^® credit card makes more sense. This card earns 2 points per $1 on travel and dining purchases and 1.5 points per $1 on all other purchases. You also get premium benefits like travel insurance, return protection, and credit card rental car insurance. Once you have enough points and you're ready to use them, redeem them for purchases at the Bank of America Travel Center.

If you need a credit card that helps with how to pay off debt, look into a 0% intro APR card from Bank of America. These cards won't erase your debt, but you can avoid interest charges on balance transfers or new purchases. Using this strategy, you'll have more time to focus on paying down debt instead of watching interest fees pile up.

Because there are so many Bank of America credit cards available, there's sure to be one that's ideal for you. Check out the full list of Bank of America credit cards to find your perfect match.

How to optimize rewards earnings with Bank of America

There are ways to earn further rewards with Bank of America based on other financial products you may already have or be willing to open there. The Bank of America Preferred Rewards® program is free to join, and all you need to enroll is a Bank of America personal checking account and a three-month average combined balance of $20,000 or more in qualifying Bank of America banking accounts and/or Merrill investment accounts.

If you're already a Bank of America customer, you can check if you're eligible for the Preferred Rewards program by signing into the online banking portal or mobile banking app. Both the Bank of America Customized Cash Rewards credit card and Bank of America Premium Rewards credit card are Preferred Rewards eligible.

There are three tiers to the Preferred Rewards program: Gold, Platinum, and Platinum Honors. The tier you're placed in depends on the combined balances in your qualifying accounts. As your money grows or decreases, you'll move up and down in the status levels. Preferred Rewards members can earn an additional 25%-75% more cash back or points.

As a Preferred Rewards member, you can earn perks in addition to the rewards your Bank of America credit card may already be earning you. These benefits include things like a rate booster on your savings account, a bonus on credit card rewards, fee-free ATM transactions, a discount on certain Merrill accounts, a reduction in a mortgage origination fee, auto loan interest discounts, and more.

FAQs

Bottom Line

Bank of America may not have the reputation of American Express or Chase, but that doesn't mean it doesn't offer some great credit cards.

If you're interested in applying for a new Bank of America card, you've got several options. Use this list to narrow down the choices that best align with your personal finance goals. Maybe you're looking for a great bonus offer, or maybe a promo APR would better suit your needs.

Remember to consider your goals and spending habits to choose the best option for you. Each Bank of America credit card has its own strengths and benefits, so take your time to compare credit cards, read some credit card reviews, and find which ones would best suit your financial needs.

Easy-to-Earn Unlimited Rewards

Bank of America^® Travel Rewards credit card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Travel Rewards credit card

Apply Now

Annual Fee

$0

Benefits and Drawbacks

Benefits

• $0 annual fee
• Simple, flat-rate rewards
• Flexible redemption options
• Up to 75% Bank of America Preferred Rewards® bonus potential

Drawbacks

• Lower earnings than category-specific travel cards
• Limited travel perks

Card Details

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

More posts from Ben Walker, CEPF, CFEI® >