Bank of America Credit Cards: Best and Latest Offers [August 2022]

Bank of America credit cards are used in every region of the world. See which one makes the most sense for you.
Last updated Aug. 14, 2022 | By Ben Walker, CEPF

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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 bonus 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.

In this article

Latest Bank of America personal card offers

Annual Fee

$0

Why We Like It

The Bank of America®️ Travel Rewards credit card is great for individuals who enjoy earning rewards and traveling.

Cardholders will enjoy the flexibility to redeem points with no blackout dates and receive a statement credit to pay for travel purchases.

Earn 1.5 points on all purchases everywhere, every time.

Card Details
  • 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.
  • 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.
  • 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% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply.
  • If you're a 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.
  • 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.

Annual Fee

$95

Why We Like It

The Bank of America®️ Premium Rewards® credit card is a fantastic card option for travelers who want to earn points on every purchase.

Cardholders will receive up to $100 statement credits for Global Entry and TSA PreCheck® applications every four years, and another $100 credit for qualifying travel purchases. 

Plus, no foreign transaction fees.

Earn 2X points on travel and dining and 1.5X points on all other purchases.

Card Details
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 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.
  • 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.
  • No limit to the points you can earn and your points don't expire.
  • 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.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • 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.

Annual Fee

$0

Why We Like It

The Bank of America®️ Customized Cash Rewards credit card is a fantastic card for anyone who loves earning cash back on everyday purchases. Cardholders benefit from an introductory APR on purchases and qualifying balance transfers.

Earn 3% cash back on the category of your choice — dining, drugstores, gas, home improvement/furnishings, online shopping, or travel; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter); and 1% cash back on all other purchases.


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.
  • If you're a 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 no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • 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.

Annual Fee

$0

Why We Like It

Easy, unlimited cash back without categories or caps on how much you can earn.

Introductory 0% intro APR on purchases and qualifying balance transfers for 15 billing cycles (then 16.24% - 26.24% variable APR), with no annual fee.

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 unlimited 1.5% cash back on all purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don't expire.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • 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.

Annual Fee

$0

Why We Like It

The BankAmericard®️ credit card is a wonderful option for individuals who want to take advantage of a stellar introductory balance transfer sign-up offer. Cardholders can benefit from a 0% introductory APR on purchases and qualifying balance transfers for 18 billing cycles (then 15.24% - 25.24% variable APR). 

 Other benefits include no penalty APR or annual fees.

Card Details
  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • 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.

Alaska Airlines Visa Signature® credit card

Alaska Airlines Visa Signature® credit card

Alaska Airlines Visa Signature® credit card

Annual Fee

$75

Why We Like It

The  Alaska Airlines Visa Signature® credit card is an excellent option for those who prefer traveling with Alaska Airlines. 

Cardholders will enjoy their first checked bag free, 50% off Alaska Lounge day passes, and 20% back on eligible in-flight purchases.

Earn 3X miles on eligible Alaska Airlines purchases and 1X miles on all other eligible purchases.

Card Details
  • Buy one ticket, get one for just the taxes and fees (plus 40,000 bonus miles) after making $3,000 in purchases within the first 90 days (limited time offer)
  • 3X miles on eligible Alaska Airlines purchases and 1X miles on all other eligible purchases

Virgin Atlantic World Elite Mastercard®

Virgin Atlantic World Elite Mastercard®

Virgin Atlantic World Elite Mastercard®

Annual Fee

$90

Why We Like It

The Virgin Atlantic World Elite Mastercard® is a great card for anyone who prefers flying with Virgin Atlantic.

Cardholders will earn 15,000 Virgin Points each year and 5,000 Virgin Points when they add additional authorized users to their account. Cardholders also benefit from having no foreign transaction fees. 

Earn 3X miles per dollar spent directly with Virgin Atlantic and an unlimited 1.5X miles on all other purchases.

Card Details
  • Earn 30,000 Virgin Points after spending $1,000 in the first 90 days
  • 3X miles per dollar spent directly with Virgin Atlantic, and 1.5X on all other purchases

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

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

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

Annual Fee

$0

Why We Like It

The Susan G. Komen Cash Rewards Credit Card is a great card for those who want to earn cash back while supporting the Susan G. Komen foundation. 

Cardholders can get up to 3% cash back, plus an introductory APR on new purchases and balance transfers. 

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 16.24% to 26.24% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 billing cycles for any balance transfers made in the first 60 days then 16.24% to 26.24% (variable)

Bank of America®️ Travel Rewards Credit Card for Students

Bank of America®️ Travel Rewards Credit Card for Students

Bank of America®️ Travel Rewards Credit Card for Students

Annual Fee

$0

Why We Like It

The Bank of America Travel Rewards Credit Card for Students is a great card for students to earn rewards toward travel.

Students can earn unlimited points and redeem them on any airline or at any hotel anytime with no blackout dates.

Earn 1.5X points per dollar spent on all purchases.

Card Details
  • 25,000 online bonus points after spending $1,000 in the first 90 days
  • 1.5X points per dollar spent on all purchases
  • Intro purchase 0% APR offer: 0% for first 15 billing cycles then 16.24% to 24.24% (variable)

Bank of America®️ Customized Cash Rewards Credit Card for Students

Bank of America®️ Customized Cash Rewards Credit Card for Students

Bank of America®️ Customized Cash Rewards Credit Card for Students

Annual Fee

$0

Why We Like It

The Bank of America®️ Customized Cash Rewards Credit Card for Students is a great choice for students who want to be rewarded for responsible credit card usage.

Students will have access to monitor their FICO Credit Score and credit education to make responsible credit card decisions, along with an introductory APR on purchases and balance transfers.

Earn 3% cash back in a category of your choice and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 quarterly for these two categories combined); and 1% cash back on all other purchases.

Card Details
  • $200 cash bonus after spending a $1,000 on purchases in the first 90 days
  • 3% cash back in a category of your choice and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 quarterly for these two categories combined); and 1% cash back on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 billing cycles then 16.24% to 26.24% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 billing cycles on qualifying balance transfers made in the first 60 days then 16.24% to 26.24% (variable)

Bank of America® Unlimited Cash Rewards Credit Card for Students

Bank of America® Unlimited Cash Rewards Credit Card for Students

Bank of America® Unlimited Cash Rewards Credit Card for Students

Annual Fee

$-2

Why We Like It

The Bank of America® Unlimited Cash Rewards Credit Card for Students is a great choice for students who want to build their credit with responsible credit card usage. With this card, students will be able to monitor their FICO Credit Score and access ongoing credit education.

Along with an introductory APR on purchases and balance transfers, the Unlimited Cash Rewards for Students card offers easy-to-track, flat-rate unlimited 1.5% cash back cash back on all purchases.

Card Details
  • $200 cash rewards bonus after spending a $1,000 on purchases in the first 90 days
  • unlimited 1.5% cash back on all purchases
  • Intro purchase 0% APR offer: 0% for 15 billing cycles then 16.24% to 26.24% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 billing cycles on qualifying balance transfers made in the first 60 days then 16.24% to 26.24% (variable)

BankAmericard® Credit Card for Students

BankAmericard® Credit Card for Students

BankAmericard® Credit Card for Students

Annual Fee

$0

Why We Like It

The BankAmericard Credit Card for Students is a great card for students who desire to practice responsible credit card usage.

Cardholders will have access to credit education topics and FICO Credit Score monitoring so you can see how using your credit card affects your score. 

Students can benefit from an Introductory APR on purchases and balance transfers.


Card Details
  • $0 Liability Guarantee and chip technology for added security
  • Intro purchase 0% APR offer: 0% for 18 billing cycles then 15.24% to 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% to 25.24% (variable)

BankAmericard®️ Secured Credit Card

BankAmericard®️ Secured Credit Card

BankAmericard®️ Secured Credit Card

Annual Fee

$0

Why We Like It

The BankAmericard® Secured Credit Card is a good choice to build credit and has an especially high maximum line of credit after the initial deposit.

Card Details
  • Optional overdraft protection

Latest Bank of America business card offers

Business Advantage Travel Rewards World Mastercard® Credit Card

Business Advantage Travel Rewards World Mastercard® Credit Card

Business Advantage Travel Rewards World Mastercard® Credit Card

Annual Fee

$0

Why We Like It

The Bank of America Business Advantage Travel Rewards World Mastercard is an inexpensive card for frequent business travelers. 

Cardholders benefit from no annual fee and no foreign transaction fee.

Earn 3 points per $1 spent on rental car, hotel, and airline purchases made through the Bank of America Travel Center; and 1.5 points on all other eligible purchases.

Card Details
  • Earn 30,000 points after you spent $3,000 in the first 90 days
  • 3 points per $1 spent on rental car, hotel, and airline purchases made through the Bank of America Travel Center; and 1.5X points on all other eligible purchases
  • Intro purchase 0% APR offer: 0% for 9 billing cycles then 14.49% to 24.49% (variable)

Business Advantage Customized Cash Rewards credit card

Business Advantage Customized Cash Rewards credit card

Business Advantage Customized Cash Rewards credit card

Annual Fee

$0

Why We Like It

The Business Advantage Customized Cash Rewards credit card is a great option for those who like to earn cash back. 

This card offers an intro APR on purchases for 9 billing cycles.

Earn 3% cash back on your category of choice and 2% cash back on dining (on up to $50,000 annually in combined 3% and 2% category purchases); and unlimited 1% cash back on everything else.

Card Details
  • Earn a $300 statement credit after spending $3,000 on purchases in the first 90 days
  • 3% cash back on your category of choice and 2% cash back on dining (on up to $50,000 annually in combined 3% and 2% category purchases); and unlimited 1% cash back on everything else
  • Intro purchase 0% APR offer: 0% for 9 billing cycles then 14.49% to 24.49% (variable)

Platinum Plus®️ Mastercard®️ Business Card

Platinum Plus®️ Mastercard®️ Business Card

Platinum Plus®️ Mastercard®️ Business Card

Annual Fee

$0

Card Details
  • Earn a $300 statement credit after making $3,000 in purchases in the first 3 months
  • Intro purchase 0% APR offer: 0% for 7 billing cycles then 12.49% to 23.49% variable

Alaska Airlines Visa® Business credit card

Alaska Airlines Visa® Business credit card

Alaska Airlines Visa® Business credit card

Annual Fee

$50 - (annual fee is $50 for the company and $25 per card)

Why We Like It

The Alaska Airlines Visa Business Credit Card is a great option for frequent Alaska Airlines business travelers. 

There's a generous sign-up offer, plus, this card offers additional perks like a free first checked bag. 

Earn 3X miles on eligible Alaska Airlines purchases and 1X miles on all other purchases.

Card Details
  • Earn 70,000 bonus miles (plus an Alaska Airlines Companion Fare, from $121) after spending $2,000 in the first 90 days
  • 3X miles on eligible Alaska Airlines purchases and 1X miles on all other purchases

What is Bank of America?

The Bank of America brand was launched in 1998, which is when the name was first revealed, but the company’s roots stretch back for hundreds of years. The State Bank of Albany, a Bank of America heritage bank, opened in 1803 and helped finance essential projects of the time, like the building of the Erie Canal. As Bank of America moved into the modern age, it revolutionized the banking industry with the world’s first electronic recording machine-accounting system, which helped speed up how checks were processed.

Today, Bank of America provides a wide variety of financial services for more than 66 million 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 over 35 countries around the world.

With over 200,000 employees and a total net income of $27.4 billion in 2019, 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 personal credit cards:

Bank of America offers plenty of options to meet your financial needs with its wide array of consumer credit cards. See which Bank of America credit card would best fit your lifestyle and spending habits.

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 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:

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:

Bank of America 0% intro APR cards

If you want to easily manage your debt, see whether you qualify for an 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 months 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 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:

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 Amtrak Guest Rewards® World Mastercard®, you earn points you can redeem for Amtrak travel. With the Susan G. Komen® Customized Cash Rewards Visa® credit card, you help fight breast cancer with every purchase you make with your card.

Bank of America offers these other co-branded cards:

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:

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 — dining, drugstores, gas, home improvement/furnishings, online shopping, or travel (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 2X points on travel and dining, and 1.5X points 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.

A card such as the Susan G. Komen Customized Cash Rewards Visa credit card offers 0% intro APR on purchases for 15 billing cycles (then 16.24% to 26.24% (variable)) and 0% intro APR on balance transfers for 15 billing cycles for any balance transfers made in the first 60 days (then 16.24% to 26.24% (variable)). Plus, you get the added benefit of supporting the fight against breast cancer whenever you make a purchase with your card.

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 power up your 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 about Bank of America credit cards

Which Bank of America card is best?

The best Bank of America credit card is the one that aligns with your lifestyle, spending habits, and financial goals. Because each individual has different financial needs, the best credit card for you might not be the best card for someone else. If you want a card to earn rewards on everyday purchases, consider a cashback credit card. If you want a card to enhance your travel experience and earn valuable points or miles, consider a travel rewards credit card.

Are Bank of America credit cards hard to get?

Bank of America credit cards vary in their approval difficulties. Certain cards, like its student cards and the BankAmericard®️ Secured Credit Card are designed to help you build your credit. As such, the credit score requirements for these cards may not be as strict. In general, expect to need good to excellent credit to qualify for a Bank of America credit card. Good credit scores start at 670 and excellent scores are above 800. Bank of America will look at your credit history and other factors to determine your eligibility.

If you believe your application has been denied in error, do call the Bank of America reconsideration line and speak to a representative to resolve the issue.

Which Bank of America credit cards have no annual fee?

These Bank of America credit cards have no annual fee:

  • BankAmericard®️ credit card
  • 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

Which Bank of America credit cards earn rewards?

These Bank of America credit cards earn cashback rewards:

  • 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®️ Premium Rewards® credit card
  • Susan G. Komen® Customized Cash Rewards Visa® credit card

These Bank of America credit cards earn travel rewards:

  • Air France KLM World Elite Mastercard®
  • Alaska Airlines Visa Signature® credit card
  • Allegiant World Mastercard® credit card
  • Amtrak Guest Rewards® World Mastercard®
  • Amtrak Guest Rewards® Platinum Mastercard®
  • Bank of America®️ Travel Rewards credit card
  • Bank of America®️ Travel Rewards Credit Card for Students
  • Celebrity Cruises Visa Signature® credit card
  • Norwegian Cruise Line® World Mastercard®
  • Royal Caribbean Visa Signature® Card
  • Sonesta World Mastercard®
  • Free Spirit® Travel More World Elite Mastercard®
  • Virgin Atlantic World Elite Mastercard®

Are Bank of America cards Visa or Mastercard?

Bank of America credit cards use both Visa and Mastercard payments networks. Look for the Visa or Mastercard logos on the front of your card to see which one your card uses.

Which Bank of America card is the easiest to get?

Bank of America issues certain credit cards that have been designed to help you build your credit. Because these cards are meant to help build or repair credit, they may not have as strict credit score approval requirements. These are the Bank of America cards designed to help build your credit:

The bottom line on the best Bank of America credit card for your wallet

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 BofA 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.

This list was accurate as of Aug. 10, 2022.

Generous Welcome Bonus

Annual Fee

$95

Benefits and Drawbacks

Benefits

  • 50,000 bonus point welcome offer
  • 2X points on travel and dining
  • Statement credits for TSA PreCheck® or Global Entry
  • No foreign transaction fees

Drawbacks

  • Has annual fee
Card Details
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 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.
  • 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.
  • No limit to the points you can earn and your points don't expire.
  • 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.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • 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 Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.