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Best Bank of America credit cards
Get anything from a rewards card to a credit-building product.
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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.
Best Bank of America credit cards
We compared all Bank of America credit cards, evaluating them on dimensions such as cash back, travel rewards, balance transfers and more. We added cards to this list that had standout features for specific consumer segments.
Best Bank of America credit cards
- 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® Secured Credit Card: Best card for building credit
- Bank of America® Platinum Plus® Mastercard® Business card: Best card for small businesses
- Bank of America® Cash Rewards for Students: Best card for students
Best card for cashback rewards
Bank of America® Cash Rewards Credit Card
720
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
3%
Cash back
Cash back
$200
Welcome offer
Welcome offer
Everyday rewards are a staple of the Bank of America® Cash Rewards Credit 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.
- 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 15 statement closing dates. The APR reverts to a standard 13.99% to 23.99% variable after the promotional period is up.
- Foreign transaction fees. Avoid using the card abroad or online with foreign merchants or you'll pay a 3% fee of the amount.
- Balance transfer limitations. Transfer your balance within the first 60 days when you open your account or you won't get the 0% intro APR period on balance transfers.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable) |
| Balance transfer APR | 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable) |
| Welcome offer | $200 after spending $1,000 in the first 90 days |
| Rewards | 3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else |
Best card for travel rewards
Bank of America® Travel Rewards Credit Card
670
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
1.5x
Points
Points
25,000
Points welcome offer
Points welcome offer
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.
- Intro APR period on purchases. Get a 0% intro APR on purchases for the first 12 statement closing dates your account is open. A variable 14.99% to 22.99% 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.
- 0% foreign transaction fee. Use the Bank of America® Travel Rewards Credit Card abroad without paying additional fees on your purchases.
- No intro APR period on balance transfers. You won't be able to save money on interest if you make a balance transfer with this card.
- Penalty APR. If you miss a payment, Bank of America may impose a penalty APR of up to 29.99% variable.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 12 statement closing dates (then 14.99% to 22.99% variable) |
| Balance transfer APR | 14.99% to 22.99% variable |
| Welcome offer | 25,000 points after spending $1,000 in the first 90 days |
| Rewards | 1.5x points on all purchases |
Best card for airline rewards
Alaska Airlines Visa Signature® Card
670
Min. credit score
Min. credit score
$75
Annual fee
Annual fee
Up to
3x
Miles
Miles
40,000
Miles welcome offer
Miles welcome offer
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.
- 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 $2,000 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.
- Annual fee. The card comes with a $75 annual fee.
- No intro APR period. You don't get a 0% intro APR period on balance transfers and purchases.
| Annual Fee | $75 |
|---|---|
| Purchase APR | 15.99% to 23.99% variable |
| Balance transfer APR | 15.99% to 23.99% variable |
| Welcome offer | 40,000 miles and companion pass after spending $2,000 in the first 90 days |
| Rewards | 3x miles on Alaska Airlines purchases and 1x miles on all other purchases |
Best card for building credit
BankAmericard® Secured Credit Card
300
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
n/a
Rewards
Rewards
n/a
Welcome offer
Welcome offer
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.
- 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 rewards program. You won't earn any rewards on your purchases.
- No intro APR period. You won't have any grace period to not pay interest on purchases.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 22.99% variable |
| Balance transfer APR | 22.99% variable |
| Welcome offer | N/A |
| Rewards | N/A |
Best card for small businesses
Bank of America® Platinum Plus® Mastercard® Business card
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
n/a
Rewards
Rewards
$300
Welcome offer
Welcome offer
Low intro and standard APRs, a $0 annual fee and a signup bonus that's easy to attain make the Bank of America® Platinum Plus® Mastercard® Business card a well-balanced card for small businesses. While you won't get cashback rewards, its 10.24% to 21.24% variable APR makes for potential savings when it comes to interest charges.
- 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 10.24% to 21.24% variable APR.
- No cost for additional cards. Adding employee cards to your account costs nothing more.
- No rewards program. You won't earn any rewards on your purchases.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 7 billing cycles (then 10.24% to 21.24% variable) |
| Balance transfer APR | 10.24% to 21.24% variable |
| Welcome offer | $300 after spending $3,000 in the first 90 days |
| Rewards | N/A |
Best card for students
Bank of America® Cash Rewards for Students
580
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
3%
Cash back
Cash back
$200
Welcome offer
Welcome offer
The Bank of America® Cash Rewards for Students is the student version of the Bank of America® Cash Rewards credit card. This means you get to earn the same cashback rate, the same signup bonus and use a long 0% intro APR period.
- Signup bonus. Earn a $200 online cash bonus after you spend $1,000 in your first 90 days when you open your account.
- Cash back. Earn 3% cash back on a category you choose, such as online shopping, dining, gas, drug stores, travel or home improvements. You'll also earn 2% cash back at grocery stores and wholesale clubs. You're capped on up to $2,500 in combined purchases in both 3% and 2% cashback categories. After that, your rate reverts to 1% cash back, which is the rate you earn on all other purchases.
- Intro APR period. Get 12 billing cycles of 0% intro APR period on balance transfers and purchases. A variable APR of 13.99% to 23.99% applies thereafter.
- Foreign transaction fees. Every transaction made abroad or online with foreign merchants will cost you 3% of the amount.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 12 statement closing dates (then 13.99% to 23.99% variable) |
| Balance transfer APR | 0% intro for the first 12 billing cycles (then 13.99% to 23.99% variable) |
| Welcome offer | $200 after spending $1,000 in the first 90 days |
| Rewards | 3% and 2% cash back on the first $2,500 in combined choice category, grocery and wholesale club purchases each quarter, then 1% |
How to apply for a credit card with Bank of America
You can easily apply for a Bank of America credit card through its website. To apply, you can do the following:
- Go to the Bank of America homepage.
- At the top menu bar, click on Credit cards.
- From the drop-down menu, you can select your desired category or click on Shop all credit cards to view all available cards.
- Review the cards to find the one you want and click Apply now.
- Fill out your personal information, including any card option preferences such as if you’re performing a balance transfer, and click Save and continue to complete the application.
You can also use the Bank of America prequalification tool to see which cards you’re more likely to obtain.
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
Summary of best Bank of America credit cards
| Card name | Best for… | Finder rating | Rewards |
|---|---|---|---|
| Bank of America® Cash Rewards Credit Card | Best card for cashback rewards | 3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else | |
| Bank of America® Travel Rewards Credit Card | Best card for travel rewards | 1.5x points on all purchases | |
| Alaska Airlines Visa Signature® Card | Best card for airline rewards | 3x miles on Alaska Airlines purchases and 1x miles on all other purchases | |
| BankAmericard® Secured Credit Card | Best card for building credit | N/A | |
| Bank of America® Platinum Plus® Mastercard® Business card | Best card for small businesses | N/A | |
| Bank of America® Cash Rewards for Students | Best card for students | 3% and 2% cash back on the first $2,500 in combined choice category, grocery and wholesale club purchases each quarter, then 1% |
What's in this guide?
Compare Bank of America credit cards
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. To learn more about a specific card, click View details to read our review. If you’re looking for information on Bank of America business cards, you’ll want to jump over to our full guide.
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Types of Bank of America Credit Cards
Bank of America offers a robust selection of credit cards, including several solid credit-building options for students. Here’s a breakdown of the card categories available:
Cash back
| Credit Card | Benefits |
|---|---|
| Bank of America® Cash Rewards Credit Card |
|
| Susan G. Komen® Cash Rewards Visa® |
|
| MLB® Credit Card |
|
| World Wildlife Fund Credit Card |
|
| U.S. Pride® Credit Card |
|
Travel
| Credit Card | Benefits |
|---|---|
| Bank of America® Travel Rewards Credit Card |
|
| Bank of America® Premium Rewards® Credit Card |
|
| Alaska Airlines Visa Signature® Card |
|
| Norwegian Cruise Line® World Mastercard® |
|
| Spirit Airlines World Mastercard® |
|
| Allegiant World Mastercard® Credit Card |
|
| Amtrak Guest Rewards® World Mastercard® |
|
| Air France KLM World Elite Mastercard® |
|
| Sonesta World Mastercard® |
|
| Royal Caribbean® Visa Signature® Credit Card |
|
| Virgin Atlantic World Elite Mastercard® |
|
| Asiana Airlines Visa Signature® Credit Card |
|
| Celebrity Cruises® Visa Signature® Credit Card |
|
Low interest
| Credit Card | Benefits |
|---|---|
| BankAmericard® Credit Card |
|
| Bank of America® Cash Rewards Credit Card |
|
Credit building
| Credit Card | Benefits |
|---|---|
| BankAmericard® Secured Credit Card |
|
| Bank of America® Cash Rewards for Students |
|
| Bank of America® Travel Rewards for Students |
|
| BankAmericard® Credit Card for Students |
|
Compare Bank of America credit cards by card type
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: Simply 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®. Show your Bank of America credit card to get free museum entry at eligible museums across the US on the first full weekend of every month.
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.
Bank of America reward programs
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.
How can I redeem points and miles?
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.
You can redeem your Bank of America® Travel Rewards Program points at the Travel Center through BofA’s site.
You can 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®. You can redeem or deposit these points through your account page on the Bank of America site.
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.
Full list of Bank of America credit cards
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, transactionees, 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. - Can I cancel my Bank of America credit card without calling?
No. Here are all of the ways to cancel your card.
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Ask an Expert
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