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Compare Bank of America credit cards with no annual fee

Earn cash back, travel points or save money on interest.

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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
Bank of America® Cash Rewards credit card
$0
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Earn $200 after spending $1,000 in the first 90 days form account opening.
Bank of America® Travel Rewards credit card
$0
14.99% to 22.99% variable
0% intro for the first 12 statement closing dates (then 14.99% to 22.99% variable)
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
Bank of America® Cash Rewards for Students
$0
0% intro for the first 15 billing cycles (then 13.99% to 23.99% variable)
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Earn $200 after spending $1,000 in the first 90 days from account opening.
Bank of America® Travel Rewards for Students
$0
14.99% to 22.99% variable
0% intro for the first 12 billing cycles (then 14.99% to 22.99% 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.
Susan G. Komen® Cash Rewards Visa®
$0
0% intro for the first 15 billing cycles (then 13.99% to 23.99% variable)
0% intro for the first 15 billing cycles (then 13.99% to 23.99% variable)
Earn 2% cash back at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter. After that and on everything else earn 1% cash back.
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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.

Bank of America® Travel Rewards credit cardBank of America® Premium Rewards® credit card
Annual fee$0$95
Points1.5x points on all purchases
  • 2x points on travel and dining
  • 1.5x points on all purchases
Signup bonus25,000 bonus miles after spending $1,000 in the first 90 days50,000 bonus miles after spending $3,000 in the first 90 days
Intro APR period0% intro APR period on purchases for the first 12 statement closing dates, a variable APR of 14.99% to 22.99% thereafterN/A
Other perksN/A
  • Up to $100 annual airline incidental credit
  • Up to $100 Global Entry or TSA PreCheck application fee credit

  • Points earned with monthly spending of $1,000 on travel and dining;
  • $1,000 on all other purchases
  • 36,000 points annually42,000 points annually
    Total points for the first year if you clear the signup bonus61,000 points (around $610 value when redeemed for travel)92,000 points (around $920 value when redeemed for travel)

    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.

    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.

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