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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.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 15 billing cycles (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 |
| Estimated welcome offer value | |
| 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 |
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 12 statement closing dates (then 13.99% to 23.99% variable) |
| Balance transfer APR | 13.99% to 23.99% 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 | 1.5x points on all 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 |
| Estimated welcome offer value | |
| Rewards | 3x miles on Alaska Airlines purchases and 1x miles on all other purchases |
| Annual Fee | $0 |
|---|---|
| Purchase APR | 22.99% variable |
| Balance transfer APR | 22.99% variable |
| Welcome offer | N/A |
| Estimated welcome offer value | |
| Rewards | N/A |
| 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 |
| Estimated welcome offer value | |
| Rewards | N/A |
| 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 |
| Estimated welcome offer value | |
| Rewards | 3% and 2% cash back on the first $2,500 in combined choice category, grocery and wholesale club purchases each quarter, then 1% |
You can easily apply for a Bank of America credit card through its website. To apply, you can do the following:
You can also 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® Cash Rewards Credit Card is the best example of this, as it earns solid rewards on categories of your choosing.
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 cashback, travel and student cards with no annual fee to choose from.
Generally speaking, yes. But you’re most likely to see this difference on certain travel cards. For example, with the $95 annual fee Bank of America® Premium Rewards® Credit Card, you get to earn 2x 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 |
|
| 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.
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.
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.
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 good idea 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.
You’ll find an auto rental CDW with the Bank of America® Premium Rewards® Credit Card.
There are three ways to activate your Bank of America credit card.
Purchase protection provides coverage for stolen or damaged items bought with an eligible card.
Access cash from your credit line with a Bank of America credit card.
Enjoy free entrance to participating museums across the country.
Use your iPhone, iPad or an Apple Watch for in-store purchases.
Earn cash back, travel rewards or save money on interest.
Compare the features, pros and cons of the two biggest banks in America.
Make payments, transfer money with Zelle and monitor your account with your smartphone.
Use your card actively and responsibly to get a credit limit increase.
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