Compare Bank of America credit cards

Bank of America’s suite of credit cards offers a range of cash rewards, charitable donation opportunities, no annual fees and no foreign transaction fees. Even students and those looking to build or rebuild their credit are bound to find an option that fits their needs. And because Bank of America partners with Visa and Mastercard, its cards are accepted worldwide.

Compare Bank of America credit cards

Use our table below to sort BofA cards by name, intro APR, annual fee or minimum credit score. Check the Compare box under up to four cards you’re interested in. Then click the Compare button to see a side-by-side comparison of fees, requirements and features. To learn more about a specific card, click View details to read our review.

Compare Bank of America cards with no foreign transaction fees

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Best Bank of America credit cards

Bank of America’s cards fall into several categories that meet specific needs. Here’s what we like and what to watch out for when it comes to our top picks.

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• Bank of America® Cash Rewards credit card: Best card for cashback rewards
• Bank of America® Travel Rewards credit card: Best card for travel rewards
• Alaska Airlines Visa Signature® Card: Best card for airline rewards
• BankAmericard® for Students: Best card for students
• BankAmericard® Secured Credit Card: Best card for building credit
• BankAmericard® Credit Card: Best card for balance transfers
• Platinum Visa® Business Credit Card: Best card for small businesses

Best card for cashback rewards: Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

Earn $200 after spending $1,000 in the first 90 days form account opening.

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Everyday rewards are a staple of the Bank of America® Cash Rewards credit card. Its $0 annual fee makes it easy to get the most out of your rewards card.

Earn 3% cash back on purchases in a chosen category and 2% at US grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, reverting to 1% after. All other purchases earn you a consistent 1% cash back.

• The perks

  • Signup bonus. Make at least $1,000 in purchases within 90 days of opening your account to earn a $200 bonus cash reward.
  • No annual fee. Get cash back without the weight of making up for an annual fee.
  • Intro APR. Enjoy a 0% intro APR on purchases for 12 statement closing dates. This rate extends to balance transfers made within the first 60 days your account is open. The APR reverts to a standard 16.24% to 26.24% variable after the promotional period is up. You’ll also pay a balance transfer fee equal to $10 or 3%, whichever is greater.

• What to watch out for

  • Quarterly limits. Your rewards multiples on gas, grocery store and wholesale club purchases apply on up to $2,500 in combined purchases each quarter. Any purchases beyond that limit earn you 1% cash back.

Best card for travel rewards: Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.

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A simple points structure, no annual fee, an intro APR offer and a hefty signup bonus make the Bank of America® Travel Rewards credit card our top pick for travel rewards. You’ll get 1.5 points for each dollar spent and an additional 1.5 points — a total of 3 points — on noninsurance purchases made through the Bank of America Travel Center.

You can also earn 25,000 bonus miles when you spend $1,000 in purchases within the first 90 days your account is open. That shakes out to a $200 statement credit toward travel purchases. To top it off, there’s no limit to how many points you can earn.

• The perks

  • Intro APR. Get a 0% intro APR on purchases for the first 12 statement closing dates your account is open. A variable 17.24% to 25.24% APR applies after the intro period expires.
  • Signup bonus. Get 25,000 bonus points after you spend $1,000 on purchases in the first 90 days your account is open. Paired with the intro APR, this is quite the deal.
  • No annual fee. A $0 annual fee makes this card a good choice for those who would otherwise worry about making up for the cost of the card.
  • 0% foreign transaction fee. Use the Bank of America® Travel Rewards credit card abroad without paying additional fees on your purchases.

• What to watch out for

  • No grace period on balance transfers or cash advances. Purchases paid off within at least 25 days after the close of a billing cycle don’t accrue interest. Unfortunately, interest accrues immediately on all cash advances and balance transfers.

Best card for airline rewards: Alaska Airlines Visa Signature® Card

Alaska Airlines Visa Signature® Card

40,000 bonus miles after you make $2,000 or more in purchases within the first 90 days of account opening.

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Alaska Airlines wins out with annual companion fares that start at $121, not to mention 40,000 bonus miles, free bag checks for you and up to six others, unlimited miles and no foreign transaction fees. You’ll earn 3x miles on purchases with Alaska Airlines and Virgin America and 1x miles on all other purchases.

• The perks

  • Bonus miles. Earn 40,000 bonus miles when you spend $2,000 on purchases in the first 90 days your account is open.
  • Companion fare bonus. If you’re shooting for bonus miles, you might land a special version of Alaska’s Famous Companion Fare. Spend $1,000 on purchases within the first 90 days your account is open to earn a code that allows you to buy a second ticket on your round-trip itinerary for just the cost of taxes and fees.
  • Multiple redemption options. Redeem your miles for more than just Alaska Airlines and Virgin America tickets. Use them toward airfare purchases with Air France, American Airlines, KLM, Korean Air, Qantas and Japan Airlines.
  • Free bag check. Check your bag and the bags of up to six members on your reservation for free.

• What to watch out for

  • Annual fee. You’ll pay $75 annually to keep your Alaska Airlines Visa Signature® Card account open.
  • No intro APR. You won’t get an introductory APR on purchases, cash advances or balance transfers.

Best card for students: BankAmericard® Credit Card for Students

BankAmericard® Credit Card for Students

Use your card responsibly to help build good credit, while saving more with one of the lowest annual percentage rates available among all Bank of America® products.

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If you’re a student with your nose in the books, you just might benefit from this card’s intro APR, low annual fee and intro balance transfer fee. It doesn’t come with a lot of bells and whistles, but it’s a solid choice for students just starting out or looking to transfer debt to save on interest.

• The perks

  • Low APR. This card comes with Bank of America’s lowest standard APR of 15.24% to 25.24% variable.
  • Intro APR. Benefit from a 0% intro APR for 15 statement closing dates on both balance transfers made within 60 days of your account and purchases. Your rate reverts to a variable 15.24% to 25.24% APR after the intro period ends.
  • Intro balance transfer fee. Balance transfers made within the first 60 days your account is open also benefit from a $0 balance transfer fee. After 60 days, you’ll pay a fee equal to $10 or 5% of each balance you transfer, whichever is greater.
  • No annual fee. Pay $0 in annual fees to keep the card open.

• What to watch out for

  • No welcome bonus. Other than solid introductory periods, you won’t find perks to sign up.
  • No rewards. BankAmericard® Credit Card for Students is a bare-bones card that doesn’t come with cashback or other rewards.

Best card for building credit: BankAmericard® Secured Credit Card

BankAmericard® Secured Credit Card

Helps establish, strengthen and even rebuild your credit.

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The BankAmericard® Secured Credit Card offers a starting point for those looking to build or rebuild their credit. You put down a minimum deposit of at least $300, with the possibility of seeing that deposit returned after 12 months of responsible spending.

It’s a basic card that offers little in the way of additional features, extending a variable APR of 22.49% on purchases.

Mind when bills are due, however, to avoid fees of up to $39 on late payments.

• The perks

  • A return of your deposit. The bank reviews BankAmericard® Secured Credit Card accounts periodically, and you might qualify for a deposit return if your overall credit history improves to BofA’s satisfaction.
  • Grace period. Pay off your balance before it’s due each month to avoid paying interest. Generally your due date is at least 25 days after the close of your billing cycle.
  • Opportunity to upgrade. You just might graduate to an unsecured card after a periodic review by Bank of America.
  • No penalty APR. You’ll pay a fee of up to $39 for late payments, but you luckily won’t face an increased APR.

• What to watch out for

  • Annual fee. The BankAmericard® Secured Credit Card comes with a $39 annual fee.
  • High minimum deposit. It takes a $300 minimum deposit to open this card, which is higher than comparable cards from other providers.
  • High APR. A variable APR of 22.49% applies to all purchases and balance transfers.

Best card for balance transfers: BankAmericard® Credit Card

BankAmericard® Credit Card

Enjoy a 0% intro balance transfer APR for the first 15 statement closing dates, then variable.

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Though it’s a pretty slim card, the BankAmericard® Credit Card is a solid option for balance transfers. You’ll get a 0% APR on purchases for 15 statement closing dates, and the same for balance transfers made within the first 60 days your account is open. A variable APR of 15.24% to 25.24% applies after the intro period is up.

• The perks

  • Intro APR. Take advantage of an intro APR on both balance transfers made within 60 days of opening your account and purchases.
  • Intro balance transfer fee. BofA waives your balance transfer fee on transfers made within 60 days of opening your account. After the intro period expires, additional transfers attract a fee equal to $10 or 3% of your transfer, whichever is greater.
  • No penalty APR. Though you’ll pay a fee of up to $39, the bank doesn’t apply a penalty APR after a late payment.
  • No annual fee. Take advantage of balance transfer benefits without paying a fee each year.

• What to watch out for

  • No additional rewards. The BankAmericard® Credit Card doesn’t provide cashback or travel rewards.

Best card for small businesses: Platinum Visa® Business Credit Card



Platinum Visa® Business Credit Card

Earn $300 after spending $3,000 in the first 90 days.

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Low intro and standard APRs, a $0 annual fee and a signup bonus that’s easy to attain make the Platinum Visa® Business Credit Card a well-balanced card for small businesses. While you won’t get cashback rewards, its 11.49% to 22.49% variable APR makes for potential savings when it comes to interest charges.

• The perks

  • Signup bonus. Spend at least $3,000 on purchases within 90 days of opening your account to get a $300 statement credit.
  • Low intro APR. Enjoy a 0% intro APR on purchases for the first 7 billing cycles after opening your account. After the promo expires, you’ll pay a 11.49% to 22.49% variable APR.
  • Travel services. Get up to $100,000 in travel accident insurance and auto insurance, emergency ticket replacement, help with lost luggage and more.
  • No cost for additional cards. Adding employee cards to your account costs nothing more.

• What to watch out for

  • Foreign transaction fees. If you use your card abroad, you’ll pay a 3% fee on each transaction, which can add up quickly over a vacation.
  • Cash advance APR. Relative to the standard APR, the cash advance APR is a high variable 26.49%.

Bank of America reward programs

Depending on the card you sign up for, you might get points and miles on your spending. Plus, all Bank of America credit and debit cardholders get access to BankAmeriDeals offering cash back based on your spending habits in various categories.

Spirit has Free Spirit™ miles, Amtrak has Amtrak Guest Rewards® points, Norwegian Cruise Line has WorldPoints® reward points and so on.

How can I redeem points and miles?

Many brand-partnered cards earn you points and miles that must be redeemed on the partner’s website. Follow the instructions provided by Bank of America when you’re ready to redeem points and miles from a brand-partnered card.

Redeem your Bank of America® Travel Rewards Program points at the Travel Center through BofA’s site.

Redeem Bank of America® Cash Rewards Program points toward statement credit, or deposit points into a Bank of America checking or savings account or an eligible Cash Management Account® with Merrill Lynch Wealth Management® or Merrill Edge®.

Typical card benefits and features of a Bank of America credit card?

Bank of America offers a suite of no annual fee credit cards. You’ll also find brand-partnered, no-frills, cashback and travel, student and small business credit cards. Depending on your financial needs, you may find one with extra savings perks — like a Bank of America card with an intro APR period or a $200 signup bonus.

Several cards also come with additional features like:

• Online shopping security. Use ShopSafe® when shopping online to generate a temporary credit card number that links to your actual account. You don’t have to register for the service: Just sign in to your online banking account and choose Use ShopSafe.
• Protection against fraud. Stay safe with Bank of America’s $0 Liability Guarantee, which covers fraudulent charges made to your account. Claims may be subject to dollar limits.
• Overdraft protection. Link an eligible Bank of America checking account to your credit card to prevent declined purchases and overdrafts. Fees may apply.
• Updated FICO® Score access. Every month that your account is open and in good standing, you’ll get a free look at your up-to-date credit score.
• Museums on Us®. Several museums across the US offer free entry on the first full weekend of every month when you show your Bank of America credit card.

Bank of America credit card travel insurance

Preferred Rewards program

Enrolling in the Preferred Rewards program gives you access to bonus rewards of up to 25%. Qualifying Bank of America deposit accounts and Merrill Edge and Merrill Lynch investment accounts receive even more benefits with enrollment in the program.

Each tier of the program offers increasing rewards, with a sliding scale of Gold, Platinum and Platinum Honors, each with their own set of qualification parameters.

How to apply for a credit card with Bank of America

Visit the Bank of America website to apply for a credit card. Make sure that you meet the minimum eligibility requirements for the card before you apply, and ready your documentation to streamline the process.

How to prequalify for a Bank of America card

Bottom line

Bank of America offers a moderate selection of basic, rewards, travel, student and secured credit cards. But it also partners with a long list of brands to provide rewards programs and bonuses that may suit your spending.

Take a look at other providers or compare Bank of America’s current cards to get a good idea of what’s available.

Frequently asked questions

• When will I receive my credit card?

  After approval, you can expect your credit card by mail within 10 business days.

• When does interest begin to accumulate?

  If your card doesn’t come with a grace period, any balance that remains on your account after the payment due date will begin accruing interest. Balance transfers accrue interest immediately after the transfer is complete, even if your balance is paid in full by the payment due date.

• What is a cash credit line?

  A portion of your available credit line is available for cash advances. Your cash credit line is tapped for returned payments, transaction fees, cash equivalents, overdraft protection cash advances, same-day online cash advances, ATM cash advances and over-the-counter cash advances.

• How do I request a credit line increase?

  Log in to your BofA Online Banking portal. You can start your request for a credit line increase under the Information & Services tab.

• Can I use Text Banking with my card?

  Yes. Access your checking, savings, and credit card accounts by texting 692632. Before you can use Text Banking, you’ll need to enroll through Online Banking or by phone.

• What is the minimum number of points I need before redeeming?

  You must accumulate at least 2,500 to redeem points. Check your balance under the Rewards tab through the Online Banking portal.

• How can I get a copy of my credit card statement?

  Log in to the Online Banking portal, click the Accounts tab and then click Statements & Documents.