Our pick: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Up to 3x
Points
- 3 points per $1 on travel booked through Bank of America Travel Center
- 1.5 points per $1 spent on all other purchases
- No annual fee
Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
Our pick: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Up to 3x
Points
Updated
Use our table below to sort some 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.
The best Bank of America credit cards generate value while fulfilling a specific role needed in your wallet, such as balance transfers or travel perks. Finder’s experts looked at all of Bank of America’s available credit cards and compared them based on a number of factors such as reward categories, earning rates, intro APR opportunities and additional perks and features.
We ranked the top performers to give you an idea of what your best pick is for your circumstance. Our trustworthy, unbiased evaluations are solely meant to help you choose the best credit card for your financial needs.
Bank of America® Customized Cash Rewards
Finder Rating: 4.6 / 5★★★★★
Annual fee | $0 |
---|---|
Purchase APR | 0% intro for the first 18 billing cycles (then 17.49% to 27.49% variable) |
Balance transfer APR | 0% intro for the first 18 billing cycles (then 17.49% to 27.49% variable) |
Welcome Offer | $200 after spending $1,000 in the first 90 days |
Rewards | From 1% cash back |
Welcome Offer | $200 |
---|---|
Rewards | From 1% cash back |
Annual fee | $0 |
Minimum credit score | 670 |
Bank of America® Travel Rewards Credit Card
Finder Rating: 3.2 / 5★★★★★
Annual fee | $0 |
---|---|
Purchase APR | 0% intro for the first 18 billing cycles (then 18.49% to 28.49% variable) |
Balance transfer APR | 0% intro for the first 18 billing cycles (then 18.49% to 28.49% variable) |
Welcome Offer | 25,000 points after spending $1,000 in the first 90 days |
Estimated welcome offer value | $250 based on Finder's valuation |
Rewards | From 1.5x points |
Welcome Offer | 25,000 points |
---|---|
Rewards | From 1.5x points |
Annual fee | $0 |
Minimum credit score | 670 |
Alaska Airlines Visa Signature® Card
Annual fee | $50 |
---|---|
Purchase APR | 19.49% to 27.49% variable |
Balance transfer APR | 19.49% to 27.49% variable |
Welcome Offer | 40,000 miles and companion pass after spending $2,000 in the first 90 days |
Rewards | From 1x miles |
Welcome Offer | 40,000 miles |
---|---|
Rewards | From 1x miles |
Annual fee | $50 |
Minimum credit score | 670 |
BankAmericard® Secured Credit Card
Finder Rating: 4.2 / 5 ★★★★★
Annual fee | $0 |
---|---|
Purchase APR | 25.49% variable |
Balance transfer APR | 25.49% variable |
Welcome Offer | N/A |
Rewards | None |
Welcome Offer | n/a |
---|---|
Rewards | None |
Annual fee | $0 |
Minimum credit score | 300 |
Bank of America® Platinum Plus® Mastercard® Business card
Finder Rating: 3 / 5★★★★★
Annual fee | $0 |
---|---|
Purchase APR | See issuer's website |
Balance transfer APR | See issuer's website |
Welcome Offer | $300 online statement credit after making at least $3,000 in purchases in the first 90 days of account opening |
Rewards | None |
Welcome Offer | $300 |
---|---|
Rewards | None |
Annual fee | $0 |
Minimum credit score | 740 |
Bank of America® Customized Cash Rewards for Students
Finder Rating: 4.4 / 5★★★★★
Annual fee | $0 |
---|---|
Purchase APR | 0% intro for the first 18 billing cycles (then 17.49% to 27.49% variable) |
Balance transfer APR | 0% intro for the first 18 billing cycles (then 17.49% to 27.49% variable) |
Welcome Offer | $200 after spending $1,000 in the first 90 days |
Rewards | From 1% cash back |
Welcome Offer | $200 |
---|---|
Rewards | From 1% cash back |
Annual fee | $0 |
Minimum credit score | 580 |
Easily apply for a Bank of America credit card through its website. Your application will require these steps:
Or, use the Bank of America prequalification tool to see which cards you’re more likely to obtain.
Bank of America offers a robust selection of credit cards, though it is best known for having strong rewards cards that aren’t attached to a rewards program. The Bank of America® Customized Cash Rewards is the best example of this, as it earns solid rewards on your chosen categories.
There are more than a dozen Bank of America credit cards with no annual fee, which is a rather substantial portion of Bank of America’s card lineup. Outside of the bank’s cobranded travel cards, only the Bank of America Premium Rewards card has an annual fee. That means you have a healthy selection of no-annual-fee cashback, travel and student cards to choose from.
Generally speaking, yes. But you’re most likely to see this difference on specific travel cards. For example, with the $95 annual fee Bank of America® Premium Rewards® Credit Card, you get to earn 1.5x points on travel and dining purchases compared to the 1.5x points you’d earn on the $0 annual fee Bank of America® Travel Rewards Credit Card. This annual fee also lets you earn a higher signup bonus and additional travel perks, like $200 in combined travel credit and TSA PreCheck and Global Entry application fee credit.
Here’s a small breakdown of the reward and feature differences between the two cards.
Bank of America® Travel Rewards Credit Card | Bank of America® Premium Rewards® Credit Card | |
---|---|---|
Annual fee | $0 | $95 |
Points | 1.5x points on all purchases |
|
Signup bonus | 25,000 bonus miles after spending $1,000 in the first 90 days | 50,000 bonus miles after spending $3,000 in the first 90 days |
Other perks | N/A |
|
Points earned with monthly spending of $1,000 on travel and dining and $1,000 on all other purchases | 36,000 points annually | 42,000 points annually |
Total points for the first year if you clear the signup bonus | 61,000 points (around $610 value when redeemed for travel) | 92,000 points (around $920 value when redeemed for travel) |
Depending on the card you sign up for, you might earn Bank of America 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.
Many brand-partnered cards earn 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.
Also, 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®. Deposit or redeem these points through your account page on the Bank of America site.
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 its own set of qualification parameters.
Each of the three Bank of America student credit cards come with its own perks and features. But some of the features are shared by all three cards. This includes:
Among the major providers, Bank of America is often overlooked for balance transfers. However, it offers a few advantages:
Bank of America’s strong but modest selection of credit cards can make for a great “gap-filler” card for a financial need you don’t have covered. But if you’re looking to dive into a rewards ecosystem, you can check out American Express, Chase or Capital One.
Take a look at other providers or compare Bank of America’s current cards to get a clear picture of what’s available.
How does Bank of America keep my information secure?
Bank of America employs the standard security measures used by most banks, including EMV chip technology, $0 liability guarantee and SSL security for their site.
Can I use Text Banking with my Bank of America 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 Bank of America points?
You must accumulate at least 2,500 to redeem points. Check your balance under the Rewards tab through the Online Banking portal.
Can I cancel my Bank of America credit card without calling?
No. Here are all of the ways to cancel your card.
Kliment Dukovski is a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
There are three ways to activate your Bank of America credit card.
Compare the features, pros and cons of the two biggest banks in America.
How likely would you be to recommend finder to a friend or colleague?
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
Hi my daughter is 17 and she is planning on moving out right on her 18th birthday but she wants to start off her credit . Is it possible for her to get a credit card but with a co-signer ?
Hi Brri,
Thank you for reaching out to finder.
Though only a handful of banks allow credit card applications with a co-signer like Bank of America, U.S. Bank and Wells Fargo, your daughter could apply for her own card once she reaches 18 years of age. On the other hand, she could also try qualifying for an Unsecured Credit Card or become an Authorized User. Hope this helps!
Cheers,
Reggie