Compare Bank of America credit cards | finder.com
Compare Bank of America Credit Cards

Compare Bank of America credit cards

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These cards offer everything from rewards to a way to rebuild credit.

Bank of America’s suite of credit cards offer 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 orange Compare button to see a side-by-side comparison of fees, requirements and features. To learn more about a specific card, click More info to read our review.

Updated October 16th, 2018
Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
740
1
Unsecured
$0
12.99% to 22.99% variable
Earn up to 3% cash back on business purchases with the Business Advantage Cash Rewards Mastercard® credit card.
680
0%
Unsecured
$0
14.74% to 24.74% variable
0% for the first 15 statement closing dates (then 14.74% to 24.74% variable)
Transfer high rate balances and save on interest with an Introductory $0 balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
720
0%
1
Unsecured
$0
16.99% to 24.99% variable
10,000 MyCruise® bonus points offer. Good for onboard credits, stateroom upgrades, discounts, cruises and more.
680
99
1
Unsecured
$99
16.74% to 24.74% variable
No matter where you're travelling, feel free to use your Asiana Visa Signature® credit card without incurring foreign transaction fees when making purchases.
680
75
1
Unsecured
$75
16.99% to 24.99% variable
Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from just $22) after you make $1,000 or more in purchases within the first 90 days of your account opening. There are no blackout dates.
720
90
1.5
Unsecured
$90
16.99% to 24.99% variable
Get 20,000 Flying Club bonus miles after your first purchase.
680
0%
Unsecured
$0
14.74% to 24.74% variable
0% for the first 12 statement closing dates (then 14.74% to 24.74% variable)
1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
690
59
Unsecured
$0 annual fee for the first year ($59 thereafter)
14.74% to 24.74% variable
15,000 bonus miles after your first purchase-enough for up to 3 roundtrip off-peak award tickets with taxes and fees from $12 per award.
680
1
Unsecured
$0
16.74% to 24.74% variable
10,000 bonus WorldPoints® reward points offer. That's enough for $100 off your next cruise.
680
59
0%
1
Unsecured
$59
16.74% to 24.74% variable
0% for the first 12 statement closing dates following the opening of your account (then 16.74% to 24.74% variable)
Earn 15,000 Bonus Points - equal to $150 off your next Allegiant trip, after you make $1,000 or more in purchases within the first 90 days
680
0%
Unsecured
$0
14.74% to 24.74% variable
0% for the first 12 statement closing dates (then 14.74% to 24.74% variable)
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
720
0%
1
Unsecured
$0
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
Earn more cash back for the things you buy most.
300
39
0%
Secured
$39
21.99% variable
Help establish, strengthen - even rebuild your credit
680
1.5
Unsecured
$0
16.74% to 24.74% variable
for the first 12 months (then 16.74% to 24.74% variable)
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
680
1
Unsecured
15.24% to 25.24% variable
for the first 12 statement closing dates (then 15.24% to 25.24% variable)
Online 200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
680
79
1
Unsecured
$79
16.99% to 24.99% variable
20,000 bonus points offer. That's enough points to redeem for a trip to many of our over 500 destinations.
700
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 12 statement closing dates (then 15.24% to 25.24% variable)
1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

Compare up to 4 providers

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

Bank of America® Cash Rewards
Bank of America® Cash Rewards credit card

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 US gas purchases 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.


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

Bank of America® Travel Rewards credit card
Bank of America® Travel Rewards credit card

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.


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

Alaska Airlines wins out with annual companion fares that start at $121, not to mention 30,000 bonus miles, free bag checks for you and up to six others, unlimited miles and no foreign transaction fees. You’ll earn 1x miles on purchases with Alaska Airlines and Virgin America and 3x miles on all other purchases.


Best card for students: BankAmericard® for Students

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.


Best card for building credit: BankAmericard® Secured Credit Card

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 doesn’t offer much in the way of additional features, extending a variable APR of 21.99% on purchases.

Mind when bills are due, however, to avoid fees of up to $38 on late payments.


Best card for balance transfers: BankAmericard® Credit Card

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 14.74% to 24.74% applies after the intro period is up.

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

      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 10.99% to 21.99% variable APR makes for potential savings when it comes to interest charges.

      Bank of America rewards programs

      Depending on the card you sign up for, you might get points and miles on your spending.

      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 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 $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.

      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 yet 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.

      Eligibility criteria
      • You must be at least 18 years old — or at least 21, if a permanent resident of Puerto Rico.
      • You must have a valid Social Security number.
      Required documents
      • Full name and contact information
      • Phone number and email address
      • Social Security number and date of birth
      • Employment status
      • Total annual income

      How does Bank of America keep my credit card information secure?

      Strict privacy and information security rules are in place for all Bank of America employees and partners to secure your information against fraud and hacking. A global information security team also monitors activity 24/7 for potential threats.

      Through its $0 Liability Guarantee, Bank of America covers any fraudulent transactions on your credit cards. Simply report the transactions and provide additional details.

      Marketing materials can be a hassle, but you can control at least some of what’s sent to you and what’s shared. Through the Bank of America website, you can choose whether to share your creditworthiness with affiliates for business purposes, and whether nonaffiliates can market to you for BofA accounts or those endorsed by another organization.

      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.

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      US Credit Card Offers

      Important Information*
      Deserve® Classic Card
      Deserve® Classic Card

      APR

      24.49
      variable

      Annual fee

      0 For the first year
      More info
      Luxury Card Mastercard® Gold Card™
      Luxury Card Mastercard® Gold Card™

      APR

      16.74
      variable

      Annual fee

      995 For the first year
      More info
      First Access Visa Card®
      First Access Visa Card®

      APR

      29.99
      variable

      Annual fee

      75 For the first year
      More info
      Indigo® Platinum Mastercard® Credit Card
      Indigo® Platinum Mastercard® Credit Card

      APR

      23.9
      variable

      Annual fee

      75 For the first year
      More info
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