Best Bank of America Credit Cards
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Written by
Jasmin Baron
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Edited by
Emily Gadd
If you are in the market for a Bank of America credit card then you have a good number of options you can choose from. You do not have to be a current Bank of America customer to qualify for these credit cards, but those who are have the opportunity to earn even higher rewards through their Preferred Rewards program.
Quick Overview: Bank of America Credit Cards
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
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Cash Back |
Excellent/Good
670 – 850*
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$0 |
Unlimited 2% cash back for the first year on all purchases, generous intro APR, $200 bonus opportunity $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
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More Details
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Premium Perks |
Excellent/Good
670 – 850*
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$95 |
Unlimited 1.5 points per $1 on all purchases, 2 points per $1 on dining and travel, 60,000 bonus points opportunity 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
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More Details
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Travel |
Excellent/Good
670 – 850*
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$0 |
Unlimited 1.5 Points per $1 on all purchases, generous intro APR, 25,000 bonus points opportunity worth $250 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
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More Details
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Cash Back |
Excellent/Good
670 – 850*
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$0 |
Welcome bonus opportunity, generous intro APR, and choose your 6% cash back category 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. If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
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More Details
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Travel & Dining Purchases |
Excellent/Good
670-850*
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$550 |
75,000 bonus points plus travel perks75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening
Full Review
More Details
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Balance Transfers |
Excellent/Good
670 – 850*
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$0 |
0% Intro APR for purchases and balance transfers0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 15.24% to 25.24% Variable APR on purchases and balance transfers will apply.
Full Review
More Details
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Earning Atmos Rewards Points (Alaska and Hawaiian Airlines) |
Excellent/Good
670 – 850*
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$95 |
Intro bonus with Companion Fare, free checked bags and preferred boarding
Full Review
More Details
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Detailed Overview: Bank Of America Credit Cards
Straightforward Unlimited 2% Cash Back Offer For The First Year
Bank of America® Unlimited Cash Rewards credit card
Welcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Purchase & Balance Transfer APR
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 18.24% – 28.24% Variable APR will apply.
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On Bank of America's secure site
CardCritics™ Opinion
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 every purchase (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 balance transfers and a sizeable bonus as well.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
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.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus does not apply to the .5% first year bonus.
1.5% cash back on all purchases after the first year from account opening.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus does not apply to the .5% first year bonus.
Card Details From Issuer
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- New Offer! 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% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- 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 18.24% – 28.24% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America's secure site
Enticing Bonus Offer Worth $600
Bank of America® Premium Rewards® credit card
Welcome Bonus
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
Purchase & Balance Transfer APR
20.24% – 28.24% Variable APR on purchases and balance transfers
Apply Now
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On Bank of America's secure site
CardCritics™ Opinion
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.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$95
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.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Earn unlimited 1.5 points for every $1 spent on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Card Details From Issuer
- 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.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
- 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 online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America's secure site
25,000 Bonus Points Offer Worth $250
Bank of America® Travel Rewards credit card
Welcome Bonus
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
Purchase & Balance Transfer APR
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 18.24% – 28.24% Variable APR will apply.
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On Bank of America's secure site
CardCritics™ Opinion
This no annual fee travel rewards card is a popular choice among travelers due to its flexible rewards and lack of foreign transaction fees. If you are looking for a straightforward travel card that comes with no annual fee and offers a welcome bonus as well as an intro APR period for purchases and balance transfers this card is a great option.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Rewards
1.5x – 3x Points 1.5 points per $1 spent on all purchases.
3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Card Details From Issuer
- 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 all 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 18.24% – 28.24% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America's secure site
Choose Your Bonus Category
Bank of America® Customized Cash Rewards credit card
Welcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Purchase & Balance Transfer APR
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 18.24% – 28.24% Variable APR will apply.
Apply Now
Read Full Review
On Bank of America's secure site
CardCritics™ Opinion
The Bank of America® Customized Cash Rewards credit card is a top contender for those seeking cash back flexibility without an annual fee. You will earn elevated cash back rewards in the category of your choice each month though it is important to note the quarterly cap. There is also a generous intro APR and an online welcome bonus opportunity.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
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.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
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.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
Card Details From Issuer
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. 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.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 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 18.24% – 28.24% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
Apply Now
On Bank of America's secure site
Massive Bonus of 75,000 Points Worth $750
Bank of America® Premium Rewards® Elite Credit Card
Welcome Bonus
75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening
Purchase & Balance Transfer APR
20.24% – 28.24% Variable APR on purchases and balance transfers
CardCritics™ Opinion
Bank of America customers who have substantial assets should not overlook the Bank of America® Premium Rewards® Elite Credit Card as it offers high-value rewards and competitive travel benefits that are enhanced with Preferred Rewards status. However, the $550 annual fee may be hard to justify as many of the perks are tailored to frequent travelers and high spenders.
Recommended Credit Score
Excellent/Good (670-850*)
Annual Fee
$550
Rewards
1.5x – 2x 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
Earn unlimited 1.5 points for every $1 spent on all other purchases
Card Details From Issuer
- 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening
- 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
- Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase. That means you could earn up to 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
- No limit to the points you can earn and points don’t expire as long as the account remains open
Very Long Low Intro APR Period
BankAmericard® credit card
Welcome Bonus
N/A
Purchase & Balance Transfer APR
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 15.24% to 25.24% Variable APR on purchases and balance transfers will apply.
CardCritics™ Opinion
The Bank of America BankAmericard® credit card doesn’t pretend to be anything other than what it is — one of the best balance-transfer cards on the market. It allows cardholders to pause finance charges on purchases and put high-interest balances on the back burner for a year and a half — but the bulk of its value ends there. When the promotional APR period ends, the card offers little more than the open credit your limit provides.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Rewards
N/A
Card Details From Issuer
- 0% Intro APR for 18 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 15.24% – 25.24% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Earn Valuable Atmos Rewards Points
Atmos™ Rewards Ascent Visa Signature®
Welcome Bonus
Limited-time online offer: Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days after account opening
Purchase & Balance Transfer APR
20.24% to 28.24% Variable APR on purchases and balance transfers
CardCritics™ Opinion
Alaska and Hawaiian Airlines loyalists will find impressive value in the Atmos Rewards Ascent Card, particularly through its Companion Fare benefit, which can easily offset the annual fee with just one trip. Although the card’s perks shine brightest for frequent Alaska and Hawaiian Airlines flyers, you can redeem Atmos Rewards points for travel on Oneworld and other partners, too.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$95
Rewards
1X – 3X Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
Card Details From Issuer
- Limited-time online offer: 80,000 bonus points.
- Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $4,000 or more on purchases within the first 120 days of opening your account.
- Receive a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
- Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 point per $1 spent on all other purchases.
- Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag on Alaska Airlines and Hawaiian Airlines and enjoy priority boarding on Alaska Airlines, for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too.
- Earn and redeem across 1,000+ destinations worldwide with oneworld® Alliance member airlines and 30+ global air partners.
- Plus, no foreign transaction fees and a low $95 annual fee.
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
How Do Our Critics Evaluate the Cards?
All of the credit cards featured on CardCritics™ are assessed using the same criteria. Our critics evaluate fees, interest rates, balance transfer options, introductory bonuses, rewards, additional benefits and the average credit score required for approval.
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.