Earn cash back, travel points or save money on interest.
Bank of America offers more than a dozen no-annual-fee credit cards, including cashback cards and travel cards. Most of them let you earn a decent signup bonus and use a long intro APR period on balance transfers and purchases.
However, if you’re looking to earn higher travel rewards or get an airline card, be ready to pay an annual fee.
Compare Bank of America credit cards with no annual fee
How to compare Bank of America cards with no annual fee
Given the number of choices, choosing a no-annual-fee credit card from Bank of America may initially feel daunting. But the cards can be roughly divided into three categories: cashback cards, travel cards and student cards. Before making your choice, consider the following:
- Do you want to earn cash back?
All no-annual-fee cashback cards from Bank of America are the same with one small difference — they are either made for students or support a cause, such as the World Wildlife Fund or the fight against breast cancer. Whichever cashback card you pick, you will earn the same rewards rate.
- Do you often go on cruises?
Bank of America has three cruise line cards. You can choose a card depending on your preferred line: Norwegian Cruise Line, Royal Carribean or Celebrity Cruises.
- Do you want a student card?
Bank of America offers three student credit cards with no annual fees. Note that these cards are exactly the same as their non-student versions with the same name.
- Do you want a 0% intro APR period on balance transfers?
Only the cashback cards and BankAmericard® Credit Card, including the student versions, offer long intro APR period on balance transfers.
- Do you want a 0% intro APR period on purchases?
If you’re looking to make a large purchase and carry the balance interest-free, all cash back cards, the BankAmericard® Credit Card and the Bank of America® Travel Rewards credit card offer long intro APR period. This also includes the student versions of the cards.
Will I earn more rewards if I pay an annual fee?
Yes, but only if you’re looking for a travel card. For example, with the Bank of America® Premium Rewards® credit card you get to earn accelerated points on travel and dining purchases, plus you get to earn a higher signup bonus and you get up to $200 in combined travel credit and TSA PreCheck and Global Entry application fee credit.
All other annual fee cards are cobranded credit cards for the following airlines:
- Alaska Airlines
- Spirit Airlines
- Allegiant Air
- Air France KLM
- Virgin Atlantic
- Asiana Airlines
And if you frequently travel with Amtrak, there’s a card for you with an annual fee.
Consider a no-annual-fee card from another brand
Blue Cash Everyday® Card from American ExpressRead more
Though there are many no-annual fee Bank of America cards, they all fall into three categories: cashback cards, travel cards and student cards. If you want a secured card or an airline credit card or a travel card with higher rewards, be ready to pay an annual fee.
If none of the cards fit your financial situation, compare other credit cards to see your options.
Frequently asked questions
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