Credit Cards From Bank of America®

BEST FOR CASH BACK
Great For Choosing Your Top Category
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Bank of America® Customized Cash Rewards credit card
Sample screenshot of Bank of America® Customized Cash Rewards credit card
4.7
CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score
Excellent/Good (670 – 850*)
Meter with 4 colored segments: red, dark orange, orange, green. The pointer is positioned at the start of the orange segment, meaning you need 670 (or higher) credit score.
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This card is a strong choice for anyone looking for flexible cash back, no annual fee, and an extended introductory APR on purchases and qualifying balance transfers. Plus, during your first year, you’ll earn boosted cash back in the category you choose each month.
Cash Back 1% – 6% 6% cash back for the first year in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category / grocery store / wholesale club quarterly purchases.

After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.

1% cash back on all other purchases.
Bonus $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee $0
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days
Followed by a 17.49% – 27.49% Variable APR
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You will be hard-pressed to find another card without an annual fee that offers better flexibility in the cash back department than the Bank of America® Customized Cash Rewards credit card. For the first year, you get to decide which category you’ll earn 6% back in each month while also earning 2% back at grocery stores and wholesale clubs. After the first year you’ll earn 3% cash back on purchases in your choice category. The bonus cash back earned in these combined categories (your choice, grocery and wholesale clubs) is capped at $2,500 in purchases each quarter. You’ll earn 1% after that cap is hit and on all of your other purchases. This cash back card also has a generous intro APR on both purchases and qualifying balance transfers. To sweeten the deal, you’ll also earn a $200 online cash back rewards bonus after you make at least $1,000 in purchases on your card within the first 90 days of your account opening. That’s an additional 20% back on your first $1,000 spent!
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  • Compelling and easily achievable bonus offer
  • Flexible cash back with the option to update your rewards category each month
  • Elevated cash back your first year
  • Rewards categories have a $2,500 combined spending cap each quarter which limits your earning potential
  • There is a foreign transaction fee so it’s not the best option for purchases outside of the U.S.
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  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Updated
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BEST FOR EVERYDAY SPENDING
Straightforward Unlimited 2% Cash Back Offer For The First Year
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Bank of America® Unlimited Cash Rewards credit card
Sample screenshot of Bank of America® Unlimited Cash Rewards credit card
4.5
CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score
Excellent/Good (670 – 850*)
Meter with 4 colored segments: red, dark orange, orange, green. The pointer is positioned at the start of the orange segment, meaning you need 670 (or higher) credit score.
Apply Now
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The Bank of America® Unlimited Cash Rewards credit card is an uncomplicated cash back option for those looking to keep things simple. It offers unlimited 2% cash back for the first year on all purchases (after the first year, you’ll earn 1.5% back) and does not charge an annual fee. It offers a considerable intro APR on purchases and qualifying balance transfers and a sizeable bonus as well.
Cash Back 1.5% – 2% 2% cash back on all purchases for the first year from account opening.

1.5% cash back on all purchases after the first year from account opening.
Bonus $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee $0
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days
Followed by a 17.49% – 27.49% Variable APR
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With the Bank of America® Unlimited Cash Rewards credit card you can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases on your new card in the first 90 days of account opening. You can receive your cash back in the form of a statement credit, deposits into a Bank of America account, or a credit into an eligible account with Merrill. As for ongoing rewards, you will earn unlimited 2% cash back for the first year on all purchases making this card a desired cash back card.
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  • Easily achievable bonus offer
  • Generous introductory APR periods
  • No annual fee
  • No bonus categories
  • There is a foreign transaction fee so it’s not the best option for purchases outside of the U.S
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  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
  • Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
  • No annual fee.
  • Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Updated
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BEST FOR PREMIUM REWARDS
60,000 Bonus Points Offer Worth $600
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Bank of America® Premium Rewards® credit card
Sample screenshot of Bank of America® Premium Rewards® credit card
4.7
CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score
Excellent/Good (670 – 850*)
Meter with 4 colored segments: red, dark orange, orange, green. The pointer is positioned at the start of the orange segment, meaning you need 670 (or higher) credit score.
Apply Now
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Frequent travelers looking for flexibility in credit card rewards should take a serious look at the Bank of America® Premium Rewards® credit card, especially if you are already a Bank of America® customer. This card offers elevated rewards on travel and dining and a great flat rate on everything else. The bonus is tough to beat and the annual travel credits are another great perk that helps justify the modest annual fee.
Rewards 1.5x – 2x Points Earn unlimited 2 points for every $1 spent on travel and dining purchases.

Earn unlimited 1.5 points for every $1 spent on all other purchases.
Bonus 60,000 points (worth $600) Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening
Annual Fee $95
19.49% – 27.49% Variable APR on purchases and balance transfers
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The Bank of America® Premium Rewards® credit card is a top option in the travel card category and it offers better flexibility than many other cards. The card earns 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases. With no foreign transaction fees and a TSA PreCheck or Global Entry statement credit of up to $100 every four years, this card is great for domestic and international travel. Another enticing perk is that you’ll receive 60,000 online bonus points after you make at least $4,000 in purchases on your card within the first 90 days of your account opening. That’s a $600 value, making the modest annual fee more than worth it.
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  • Exceptional and straightforward ongoing rewards
  • Annual airline incidental statement credits
  • No Foreign Transaction Fee
  • No intro APR period on purchases or balance transfers
  • Annual Fee
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  • Low $95 annual fee.
  • Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Updated
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BEST FOR TRAVEL
25,000 Bonus Points Offer Worth $250 Travel Credit
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Bank of America® Travel Rewards credit card
Sample screenshot of Bank of America® Travel Rewards credit card
4.7
CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Recommended Credit Score
Excellent/Good (670 – 850*)
Meter with 4 colored segments: red, dark orange, orange, green. The pointer is positioned at the start of the orange segment, meaning you need 670 (or higher) credit score.
Apply Now
On Bank of America's secure site
This card is a great option if you are looking for a straightforward travel card that comes with no annual fee, a welcome bonus, and a generous intro APR for purchases and qualifying balance transfers.
Rewards 1.5x – 3x Points 1.5 points per $1 spent on everyday purchases.

3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Bonus 25,000 points (worth $250 travel credit) 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
Annual Fee $0
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days
Followed by a 17.49% – 27.49% Variable APR
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If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers a generous intro APR. It offers 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% – 27.49% Variable APR will apply.
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  • $0 annual fee
  • Flat-rate rewards keep things simple
  • No foreign transaction fees
  • Elevated points for certain purchase categories are limited
  • No additional travel perks offered
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  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
  • Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
  • Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Updated
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.