Compare Bank of America credit cards with no annual fee | finder.com
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Compare Bank of America credit cards with no annual fee

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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

Name Product Annual Fee Balance Transfer APR Purchase APR Filter values
$0
0% intro for the first 12 statement closing dates (then 16.24% to 26.24% variable)
0% intro for the first 12 statement closing dates (then 16.24% to 26.24% variable)
Earn $200 after spending $1,000 in the first 90 days form account opening.
$0
0% intro for the first 12 months (then 17.24% to 25.24% variable)
0% intro for the first 12 statement closing dates (then 17.24% to 25.24% variable)
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
$0
0% intro for the first 12 billing cycles (then 16.24% to 26.24% variable)
0% intro for the first 12 statement closing dates (then 16.24% to 26.24% variable)
Earn $200 after spending $1,000 in the first 90 days from account opening.
$0
17.24% to 25.24% variable
0% intro for the first 12 billing cycles (then 17.24% to 25.24% variable)
Earn 25,000 points after spending $1,000 on purchases in the first 90 days from account opening. This can be redeemed for a $250 statement credit toward travel purchases.
$0
0% intro for the first 15 statement closing dates (then 15.24% to 25.24% variable)
0% intro for the first 15 statement closing dates (then 15.24% to 25.24% variable)
Enjoy a 0% intro balance transfer APR for the first 15 statement closing dates, then variable.

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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 Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
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Bottom line

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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