Bank of America® Credit Cards

Bank of America® Credit Cards

Bank of America offers easy-to-use cards all with solid benefits. Check out the Bank of America® Cash Rewards Credit Card for simple cash back, or the Bank of America® Travel Rewards Credit Card if you're a frequent flyer. See the best credit card offers from Bank of America below.

See the best credit card offers from Bank of America below.

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

43,662 customer reviews

Apply Now Credit Needed
Excellent/Good
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 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
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
14.74% - 24.74% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

11,756 customer reviews

Apply Now Credit Needed
Excellent/Good
  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases
  • 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.49% - 24.49% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
16.49% - 24.49% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Bank of America® Premium Rewards® Credit Card

Bank of America® Premium Rewards® Credit Card

310 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 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 per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
  • No limit to the points you can earn and your points don't expire
  • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Apply Now at Bank of America's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.49% - 24.49% Variable APR on purchases and balance transfers
Annual Fee
$95
Credit Needed
Excellent/Good

BankAmericard® Credit Card

BankAmericard® Credit Card

13,255 customer reviews

Apply Now Credit Needed
Excellent/Good
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to balance transfers
  • 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
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 15 billing cycles
Balance Transfers Intro APR
0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
Regular APR
14.49% - 24.49% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Alaska Airlines Visa Signature® Credit Card

Apply Now Credit Needed
Excellent/Good
  • Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • Get 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of your account opening.
  • Enjoy another Alaska's Famous Companion Fare™ every year from $121 ($99 plus taxes and fees from $22) on your account anniversary valid on Alaska and Virgin America flights booked on alaskaair.com.
  • Save with a free checked bag on Alaska and Virgin America flights for you and up to six other passengers on the same reservation.
  • Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America purchases and 1 mile for every $1 spent on all other purchases. No foreign transaction fees.
  • There are two types of cards: the Visa Signature® card and the Platinum Plus® card. The card you receive will be determined by several factors including your income and credit history.
  • The benefits and bonus miles above apply to Visa Signature cards only. The Annual Fees, benefits and bonus miles for Platinum Plus® cards are different.
  • For more information on the differences, see the Features section accompanying the application.
Apply Now at Bank of America's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.49% - 24.49% Variable APR on purchases and balance transfers
Annual Fee
$75
Credit Needed
Excellent/Good

MLB™ Cash Rewards Mastercard® from Bank of America

Apply Now Credit Needed
Excellent/Good
  • $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • Earn 1% cash back on every purchase, 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
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% variable APR. 3% fee (min $10) applies to balance transfers
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
14.49% - 24.49% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Susan G. Komen® Cash Rewards Visa® credit card from Bank of America

Apply Now Credit Needed
Excellent/Good
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $8 million from Bank of America from this program since 2009.
  • Earn 1% cash back on every purchase, 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.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to balance transfers.
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
14.49% - 24.49% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Bank of America® Platinum Visa® Business credit card

Apply Now Credit Needed
Excellent Credit
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • 0% Introductory APR on purchases for your first 7 billing cycles.
  • Employee cards at no additional cost to you and with credit limits you set.
  • Get a flexible suite of online services that adopts to your business needs with MyReport Center.
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% for 7 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
10.74% - 21.74% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent Credit

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Apply Now Credit Needed
Excellent Credit
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get a 25% - 75% rewards bonus on the base earn of every purchase you make.
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% for 9 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
12.74% - 22.74% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent Credit

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply Now Credit Needed
Excellent Credit
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Orbitz®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get a 25% - 75% rewards bonus on the base earn of every purchase you make.
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% for 9 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
12.74% - 22.74% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent Credit

Comparing Bank of America Credit Card Offers

Whether you are a Millennial buying your first house or a Boomer looking to get your second home, Bank of America has the products to help you achieve your goals. From credit cards to stocks and bonds, this full-service bank offers the gamut. Today, we look at:

Some of the more rewarding aspects of Bank of America products are the credit cards, which include business, consumer, rewards and other types. We look at the best of our Bank of America cards here:


Best Bank of America credit cards of 2018:

Details on the best cards

With a host of travel, cash and business cards to choose from, Bank of America also offers niche cards such as the MLB and Susan G. Komen cards, which both offer cash rewards to boot. Another plus – most come with no annual fee.

With low or no annual fees, Bank of America cards are great entry-level options, although you need to have good or excellent credit to qualify. The requirements are fairly straight-forward and you can get as little as 5% bonus for using your Bank of America checking or savings account for redemption.

Check out our best Bank of America cards:

Bank of America Cash Rewards Credit Card

If you find yourself often shuttling the kids to soccer practice or picking up a fair amount of school and lunch supplies at your wholesale club, this may be a good choice for you.

With the Bank of America Cash Rewards, you can earn 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter and 3% back at gas stations for up to $2,500 a quarter combined. Also, for a rock-bottom spend of $500 on purchases within 90 days of opening your account, you can earn $150 cash rewards bonus. There's a 0% intro APR for 12 billing cycles on purchases and on balance transfers made in the first 60 days (then 14.74% - 24.74% variable).

Bank of America Travel Rewards Credit Card

There are a wide variety of travel cards, including cards that encourage brand loyalty. But, if you aren't careful, you can get bogged down by requirements. Well, this card is a great set-it-and-forget-it travel product, allowing you to use points toward all manner of travel brands and events.

Not only do you enjoy 1.5X points on all spending, there's no annual fee or foreign transaction fee. Also, earn 20,000 bonus points after a $1,000 spend in purchases within 90 days of card membership.

Bank of America Premium Rewards Credit Card

This card doubles as a travel and cash rewards product, encouraging you to make it your go-to card. Although it has a $95 annual fee, the rewards more than counterbalance the annual charge.

First off, you get 50,000 points (equal to $500) after a $3,000 spend in purchases within your first 90 days of card membership. Then, earn 2X points on travel and dining purchases, which rivals the Chase Sapphire Preferred (although the CSP points get a 25% boost when booking through Chase Ultimate Rewards). But the kicker is that you earn 1.5X points on all other purchases, and up to $200 in statement credits in combined airline incidental and airport expedited screening.

There's no foreign transaction fee.

Alaska Airlines Visa Signature Credit Card

The Companion Fare feature says it all about this card – as devoted as Alaska Airlines customers are, this is yet another reason to love the brand. As a welcome bonus, you'll buy 1 ticket, get 1 for just the taxes and fees (from $22). But that's not all.

Each year, you get another Companion Fare from $121 ($99 plus taxes and fees from $22) on your account anniversary. This is good for Alaska and Virgin America flights booked on alaskaair.com.

There's so much more. From free first checked bags to a 30,000-mile bonus after a $1,000 spend in purchases within your first 90 days of card membership, the hits just keep on coming. There are even 3X miles on spending on Alaska Airlines and Virgin America.

MLB Cash Rewards Mastercard from Bank of America

This card allows you to celebrate your love of the game, with a customized card using the colors and logo of your favorite team. But it isn't just a source of pride you'll get.

With this card, you can earn $150 cash rewards after a $500 spend on purchases within the first 90 days of card membership, as well as 3% cash back on gas and 2% on grocery stores/wholesale clubs for up to a combined $2,500 a quarter.

Susan G. Komen Cash Rewards Visa from Bank of America

This card does good things, with Bank of America guaranteeing Susan G. Komen $3 million from June 2015 to December 2020 in conjunction with its Pink Ribbon Banking credit card and checking program. Indeed, Bank of America has given $8 million to the Komen operation through this program since 2009.

But you get personal benefits as well, with the $150 bonus after a $500 spend on purchases within the first 90 days of card membership and the 3% cash back on gas and 2% on grocery stores/wholesale clubs for up to a combined $2,500 a quarter.

Bank of America Platinum Visa Business

If you're looking for a business card that is light on the fees, this might be the one for you. There's no annual fee, and you aren't charged for employee cards either, which you are allowed to set limits on.

This card also has a generous $200 statement credit after only spending $500 in net purchases within the first 60 days of card membership, and you get 0% intro APR for 7 billing cycles on purchases. The variable go-to rate is also low, starting at 10.74% and going to 21.74% APR on purchases and balance transfers.

Bank of America Business Advantage Cash Rewards Mastercard

If you spend a fair amount on office supplies and gas, this may be the right card. You'll earn 3% cash back on those categories for up to $250,000 each calendar year, 1% after that; 2% on restaurant purchases (perfect for business dinners); and 1% on all other purchases. You'll also get a $200 statement credit after a $500 spend in net purchases within the first 60 days of card membership.

The 0% intro APR on purchases is a little more generous than the Platinum Visa Business, with 9 billing cycles, but the go-to rate is a little higher, albeit still low, at 12.74%-22.74% variable on purchases and balance transfers.

Bank of America Business Advantage Travel Rewards World Mastercard

For a solid travel business card, look no further. This card will earn you 25,000 bonus points after a $1,000 spend in net purchases within your first 60 days of card membership, which can be used as a $250 statement credit on travel. There are also sky high 3X points on travel made through the Bank of America Travel Center, which is powered by Orbitz. It's 1.5X points on all other purchases.

So, not only are the ongoing travel rewards beating the Sapphire Preferred even with its Ultimate Rewards boost (although the Chase card does have a higher sign-up bonus), but the everyday rewards do as well. Add to that, there's no annual fee.

What is Bank of America?

Bank of America is a full-service bank with all types of accounts, credit cards and even physical locations. In fact, it's the second largest U.S. bank, according to Bankrate.

Biggest banks in the U.S...

RankingBankTotal assets
1JPMorgan Chase & Co.$2.53 trillion
2Bank of America Corp.$2.28 trillion
3Wells Fargo & Co.$1.95 trillion
4Citigroup Inc.$1.84 trillion
5Goldman Sachs Group Inc.$917 billion

Bankrate research

So, Bank of America is much more than just a card issuer. From car loans to investing, the suite is extensive, to say the least. Here are some of the products available through Bank of America:

  • Mortgages. Whether buying your first home or refinancing, Bank of America's rates are competitive. For example, you might get a 4.5% rate (4.717% APR) for 30 years on a $200,000 loan in the zip code of 95464, with a 0.928 point.
  • Auto loans. Rates start at a competitive 3.24% APR for a 60-month loan.
  • Investments. Through Merrill Edge, the bank offers products for saving for retirement, college and more, giving you access to ETFs, mutual funds, stocks, fixed income and bonds, and even options and margins.
  • Credit cards. Well known for competitive cards, Bank of America offers a full line of business, consumer, travel and cash rewards products.
  • Checking and savings accounts. This includes business and student checking, as well as CDs, IRAs and child savings.

Bank of America rewards program and best redemption options

One advantage to the Bank of America Preferred Rewards program is its versatility. You aren't tied down to specific travel partners, for example, and you can even get a check cut for your rewards, if you so desire. Here are ways you can redeem your points.

  • Gift cards. From Lands' End to iTunes, you can redeem starting at 1:1 for your points.
  • Travel. For example, with the Travel Rewards Card, since Bank of America doesn't have partners, you can use your points to book directly with an airline, hotel or rental car company.
  • Cash. You can redeem as a statement credit.
  • Deposit in Bank of America account. For example, with the Cash Rewards Card, you can redeem your cash back into a checking or savings account, and even get a 10% bonus for doing that – and even up to 75% for qualifying customers. You can even redeem rewards automatically to the account of your choice.
  • Merrill Edge. For example, with the Premium Rewards Card, you can deposit into a Merrill Edge account such as savings, checking or a 529.
  • Personal check. Allow for 14 days for this option.

Other benefits of having Bank of America cards

The Preferred Rewards program is the pinnacle of Bank of America's rewards opportunities, with savings on stock trades, auto loans and mortgages, even transactions with non-Bank of America ATMs. While the Preferred Rewards program starts at $20,000 in a Bank of America account, there are cards that offer 10% bonus with credit statements deposited into Bank of America accounts, and those bonuses go up to 75% with select cards and depending on the amount in the account.

But what about Preferred Rewards benefits? Here are what Preferred Rewards tiers offer:

Bank of America Preferred Rewards...

RewardsGoldPlatinumPlatinum Honors
Required balance$20k-$50k$50k-$100k$100k+
Rewards savings interest rate booster5%10%20%
Credit card rewards bonus25%50%75%
Non-Bank of America transactions
12 a yearUnlimited
Merrill Edge online investing and trading
$0 30/mth ETF, stock trades (other fees may apply)$0 100/mth ETF, stock trades (other fees may apply)
Priority client serviceYesYesYes
Mortgage reduced origination fee, new or refinance$200$400$600
Home equity discount0.125%0.250%0.375%
Auto loan discount, new or refinance0.25%0.35%0.50%
No monthly maintenance fees on up to 4 eligible checking and 4 savings accountsYesYesYes
No fees on select services, including standard check orders, cashier's checks, incoming domestic wire transfers and moreYesYesYes

Bank of America

Card benefits vary widely according to which product you pick, but there are some common advantages to card membership, such as:

We've looked at 3 popular Bank of America cards and what they have to offer in the way of benefits. From travel accident insurance to lost luggage coverage, they are numerous. Heads up that each card is different in what they offer, and benefit details are sparse online. Your best bet when shopping is to call 877-754-6707 and ask.

Premium Rewards

  • Auto rental collision waiver
  • Common carrier travel accident insurance
  • Warranty manager with in-home service, double the time period of warranty
  • Purchase security, repair, replace or reiumburse within 90 days
  • Trip cancel/trip interruption
  • Trip delay reimbursement
  • Baggage delay reimbursement
  • Lost luggage
  • Return protection, reimbursement of item within 90 days and retailer won't accept return
  • Emergency evacuation
  • Roadside dispatch

Cash Rewards

  • Auto rental collision waiver
  • Common carrier accident insurance
  • Extended warranty
  • Price protection
  • ID theft resolution services full restoration with ID theft alerts
  • Enhanced trip cancellation/trip interruption
  • Trip delay reimbursement

Travel Rewards

  • Auto rental collision waiver
  • Common carrier accident insurance, $250,000
  • Warranty manager service
  • Purchase security
  • Travel and emergency assistance
  • Roadside dispatch

Recap - Best Bank of America Credit Cards of 2018

Credit CardBest For:CreditCards.com RatingAnnual Fee
Bank of America® Cash Rewards Credit CardGas rewards3.8 / 5$0
Bank of America® Travel Rewards Credit CardBooking flights and hotels3.4 / 5$0
Bank of America® Premium Rewards® Credit CardSign-up bonus4 / 5$95
Alaska Airlines Visa Signature® Credit CardAirline miles4.2 / 5$75
MLB™ Cash Rewards Mastercard® from Bank of AmericaBaseball fansN/A$0
Susan G. Komen® Cash Rewards Visa® credit card from Bank of AmericaBank of America customer bonusN/A$0
Bank of America® Platinum Visa® Business credit cardStatement creditN/A$0
Bank of America® Business Advantage Cash Rewards Mastercard® credit cardCash back on business expenses2.5 / 5$0
Bank of America® Business Advantage Travel Rewards World Mastercard® credit cardBusiness travel purchases3.5 / 5$0

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

* For additional rates, fees and costs see issuer's website for detailed pricing and terms.