Best Bank of America Credit Cards in 2025
Best Bank of America credit card
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Best Bank of America credit card
Bank of America® Customized Cash Rewards credit card
The Bank of America® Customized Cash Rewards credit card is our top pick for the overall best Bank of America credit card. It charges a $0 annual fee, offers a generous sign-up bonus and comes with a flexible cash back program that lets you choose your 3% earning category from six different options.
Bank of America issues a wide range of credit cards, including cash back credit cards, cards for college students, cards for business owners and more. The best one for you will depend on what type of annual fee, rewards rate, APR and sign-up bonus you’re looking for.
Bank of America also offers the Bank of America Preferred Rewards® program. With Preferred Rewards, members get special benefits based on qualifying combined balances in Bank of America deposit accounts and Merrill investment accounts. If you qualify and have an eligible credit card, that adds a 25%, 50% or 75% bonus to your card’s rewards rate.
- Winner: Bank of America® Customized Cash Rewards credit card
- Flat-rate cash back rewards: Bank of America® Unlimited Cash Rewards Credit Card for Students
- Intro APR: BankAmericard® credit card
- Travel benefits: Bank of America® Premium Rewards® credit card
- Beginners: Bank of America® Unlimited Cash Rewards Secured Credit Card
- College students: Bank of America® Customized Cash Rewards Credit Card for Students
- Travel with no annual fee credit: Bank of America® Travel Rewards credit card
- Building credit: Bank of America® Customized Cash Rewards Secured Credit Card
- Airline miles: Alaska Airlines Visa Signature® credit card
- Small business owners: Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Top 10 Bank of America credit cards
| Credit Cards | Our Ratings | Rewards Rate | Welcome Offer | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|
Bank of America® Customized Cash Rewards credit card
Apply Now
on Bank Of America's secure site |
Winner
|
1% - 6% cash back
| $200 cash rewards
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
| Good / Excellent |
Apply Now
on Bank Of America's secure site |
Bank of America® Unlimited Cash Rewards credit card
Apply Now
on Bank Of America's secure site |
Flat-rate cash back
|
1.5% - 2% cash back
| $200 cash rewards
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
| Good / Excellent |
Apply Now
on Bank Of America's secure site |
BankAmericard® credit card*
|
Intro APR on purchases & balance transfers
|
N/A | N/A | Good / Excellent | |
Bank of America® Premium Rewards® credit card
Apply Now
on Bank Of America's secure site |
Travel
|
1.5X - 2X points
| 60,000 points
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.
| Good / Excellent |
Apply Now
on Bank Of America's secure site |
Bank of America® Unlimited Cash Rewards Secured Credit Card*
|
Beginners
|
N/A | N/A | Limited / Poor | |
Bank of America® Customized Cash Rewards Credit Card for Students*
|
College students
|
1% - 3% cash back
| $200 cash rewards
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
| Good / Excellent | |
Bank of America® Travel Rewards credit card
Apply Now
on Bank Of America's secure site |
Travel with no annual fee
|
1.5X - 3X points
| 25,000 points
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
| Good / Excellent |
Apply Now
on Bank Of America's secure site |
Bank of America® Customized Cash Rewards Secured Credit Card*
|
Building credit
|
1% - 3% cash back
| N/A | Limited / Poor | |
Alaska Airlines Visa Signature® credit card*
|
Airline miles & benefits
|
1X - 3X miles
| 50,000 miles
50,000 bonus miles plus a companion fare for just the taxes and fees when you make $3,000 or more in purchases within the first 90 days.
| Good / Excellent | |
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*
|
Small business owners
|
1% - 3% cash back
| $300 statement credit
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
| Excellent |
Methodology: How we chose our Bank of America credit cards
We evaluated the credit cards offered by Bank of America and considered several factors. For example, many of the cards on this list earn rewards — cash back, points or miles. Similarly, sign-up bonuses were also considered in the selection process.
In addition, many of the cards here also offer 0% intro APR periods on purchases and/or balance transfers. If you need to make a big purchase or transfer debt you’re carrying on another card, an intro APR period is useful.
Other factors weighed included helpful benefits, like travel credits and companion fares.
Finally, most of the cards on this list charge no annual fee, and those that do charge an annual fee offer enough value to make the card worth the fee.
Best Bank of America credit card
Bank of America® Customized Cash Rewards credit card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: $200 cash rewards
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Customizable cash back
- Large sign-up bonus
- $0 annual fee
- Intro APR on balance transfers and purchases
- Cash back cap on bonus categories
- Foreign transaction fee
The Bank of America® Customized Cash Rewards credit card is a cash rewards credit card that offers you a flexible and valuable rewards rate. It lets you choose your top earning categories on a monthly basis. This is a great $0-annual-fee card for people whose expenses may vary throughout the year.
It comes with a generous sign-up bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Plus it offers a solid intro APR on purchases and balance transfers, and lets you switch your 3% cash back earnings between the following categories:
- Gas
- Online shopping
- Cable, streaming, internet and phone services
- Dining
- Travel
- Drugstores
- Home improvement/furnishings
- Click APPLY NOW to apply online.
- 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
Flat-rate cash back
Bank of America® Unlimited Cash Rewards credit card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: $200 cash rewards
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Simple cash back on every purchase
- Large sign-up bonus
- $0 annual fee
- Intro APR on purchases and balance transfers
- Foreign transaction fees
- There are higher earning cash back cards
The Bank of America® Unlimited Cash Rewards credit card offers an elevated flat rewards rate, which is great for people who don’t want to keep track of bonus categories. This $0-annual-fee card also lets you earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Plus, there’s a long intro APR on purchases and balance transfers.
- Click APPLY NOW to apply online.
- $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.
Intro APR on purchases and balance transfers
BankAmericard® credit card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro APR on balance transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days followed by a 15.24% - 25.24% Variable APR on balance transfers.
- Long intro APR on purchases and balance transfers
- $0 annual fee
- No rewards program
- Foreign transaction fees
- Minimal benefits
If you need to make a big purchase and want to enjoy a long interest-free period, or if you’re looking to transfer high-interest credit card debt, the BankAmericard® credit card is an excellent choice.
It offers one of the longest intro APRs on purchases and balance transfers available. You’ll get a year-and-a-half to pay down your debt.
- Click APPLY NOW to apply online.
- 0% Introductory 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% - 25.24% Variable APR will apply. A 3% intro fee for 60 days, then 4% applies to all 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.
- 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.
Travel benefits
Bank of America® Premium Rewards® credit card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: 60,000 points
Earn 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.
- Bonus points on travel and dining
- High flat rate on other purchases
- Generous sign-up bonus
- Foreign transaction fee: None
- Up to $100 in Airline Incidental Statement Credits annually
- Global Entry/TSA PreCheck credit
- $95 annual fee
If you frequently travel by air, the Bank of America® Premium Rewards® credit card might just be the credit card you want in your wallet — especially if you’re a Preferred Rewards member.
You can get a generous sign-up bonus that can be used toward future travel: Earn 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. Plus, you’ll get generous travel credits that can easily recoup the annual fee, including up to $100 in airline incidental statement credits annually, and a statement credit for Global Entry/TSA PreCheck and bonus rewards on travel and dining.
- Click APPLY NOW to apply online.
- 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.
Beginners
Bank of America® Unlimited Cash Rewards Secured Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Secure a high credit limit with no annual fee
- $0 annual fee
- High credit limit for a secured card ($5,000 maximum)
- Simple rewards rate
- Minimum $200 security deposit
- No intro APR
The Bank of America® Unlimited Cash Rewards Secured Credit Card is an excellent choice for people who are getting a credit card for the first time. With its $0 annual fee, you can get a solid start to your credit journey if you use the card responsibly. Plus, you’ll earn a high rate of cash back on every purchase that you make.
- Click APPLY NOW to apply online.
- $0 annual fee
- Earn unlimited 1.5% cash back on all purchases
- Secure up to a $5,000 balance
- Free monthly FICO score
College students
Bank of America® Customized Cash Rewards Credit Card for Students*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: $200 cash rewards
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Customizable cash back
- Large sign-up bonus
- $0 annual fee
- Intro APR on purchases and balance transfers
- Foreign transaction fees
- Cap on bonus categories
The Bank of America® Customized Cash Rewards Credit Card for Students is a unique student credit card with a customizable rewards rate. Most other student cards either have a flat rate or a tiered rate with permanent categories.
With the Bank of America® Customized Cash Rewards Credit Card for Students, you have an opportunity to build credit and earn cash back at the same time. You can also $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
You can choose from the following categories for your 3% cash back category each month with this student credit card:
- Gas/EV charging
- Online shopping
- Dining
- Travel
- Drugstores
- Home improvement/furnishings
- Click APPLY NOW to apply online.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- 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 18.24% - 28.24% Variable APR 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%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. 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.
Travel with no annual fee
Bank of America® Travel Rewards credit card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: 25,000 points
Earn 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
- Simple rewards on every purchase
- Large sign-up bonus
- $0 annual fee
- Foreign transaction fees: None
- Intro APR on purchases
- Limited travel benefits
- There are more rewarding travel rewards cards
The Bank of America® Travel Rewards credit card is an easy-to-use travel rewards credit card with a $0 annual fee. You’ll earn a simple rewards rate, and an even higher rate if you’re a Bank of America Preferred Rewards® member.
With the sign-up bonus, you can 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.
- Click APPLY NOW to apply online.
- 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.
Building credit
Bank of America® Customized Cash Rewards Secured Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Customize your cash back to match your spending.
- Customizable cash back
- $0 annual fee
- Free FICO Score
- Requires a security deposit
- Cap on bonus categories
- High APR
- Foreign transaction fees
If you have less-than-stellar credit and need a secured card to help rebuild your credit score, the Bank of America® Customized Cash Rewards Secured Credit Card can help you do that. Plus, it comes with an excellent cash back program, while some secured cards don’t offer rewards at all.
The categories you can choose from to earn 3% on each month include:
- Gas
- Online shopping
- Dining
- Travel
- Drugstores
- Home improvement/furnishings
Like most secured credit cards, it charges a $0 annual fee and requires a $200 minimum security deposit. However, Bank of America periodically reviews your account and your overall credit history to see if you qualify to get your security deposit refunded. Though there’s no timeline for reviews, you can always get your deposit back once you close the card, minus any fees or balance owed.
- Click APPLY NOW to apply online.
- Earn 3% cash back in a category of your choice each month
- Secure a credit limit up to $5,000
- Periodic account reviews to have your security deposit refunded
- Free monthly FICO® Score
Airline miles and benefits
Alaska Airlines Visa Signature® credit card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: 50,000 miles
Earn 50,000 bonus miles plus a companion fare for just the taxes and fees when you make $3,000 or more in purchases within the first 90 days.
- Bonus miles on Alaska airfare and everyday spending
- Generous sign-up bonus
- Companion fare offer
- Additional perks for Alaska Airlines customers
- Foreign transaction fees: None
- $95 annual fee
- Limited redemption options outside of Alaska Airlines
The Alaska Airlines Visa Signature® credit card can be worth the $95 annual fee for frequent Alaska Airlines flyers. Its perks and sign-up bonus alone can cover the cost of the annual fee. The sign-up bonus lets you get 50,000 bonus miles plus a companion fare for just the taxes and fees when you make $3,000 or more in purchases within the first 90 days.
You’ll get an annual companion fare from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more within the prior year. Plus, it has solid travel protections and no foreign transaction fees.
Alaska Airlines might not be as big a name in the travel world as, say, Delta, but it can still get you to numerous destinations throughout the United States, as well as Belize, Canada, Costa Rica and Mexico. However, because of its $95 annual fee, this card isn’t for the occasional traveler.
- Click APPLY NOW to apply online.
- LIMITED TIME ONLINE OFFER—50,000 Bonus Miles!
- 50,000 bonus miles plus a companion fare for just the taxes and fees when you make $3,000 or more in purchases within the first 90 days.
- Get Alaska’s Famous Companion Fare™ ($99 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 flights booked on alaskaair.com.
- Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
- Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag and enjoy priority boarding 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!
- With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
- 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.
Small business owners
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: $300 statement credit
- Customizable cash back
- Generous sign-up bonus
- $0 annual fee
- Intro APR on purchases
- Foreign transaction fees
- Cap on bonus categories
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers customizable categories for business owners whose expenses change frequently. For a $0 annual fee card, it also offers a decent sign-up bonus: Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Going through a period where you have to drive a lot for business trips? Select the gas station category to earn 3% on. No longer driving as much? Perhaps earning 3% back at office supply stores instead would be a better fit.
Here’s the full list of categories you can select from for 3% cash back:
- Gas stations
- Office supply stores
- Travel
- TV, telecom and wireless
- Computer services
- Business consulting services
- Click APPLY NOW to apply online.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% - 27.49% Variable APR will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Bank of America credit card benefits
If you choose a Bank of America credit card, there are some benefits that come along with it that you may not find at other banks.
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1. Earn more rewards as a Preferred Rewards member
If you’re a Bank of America Preferred Rewards® member, you can earn 25% to 75% more rewards with some credit cards — including the Bank of America® Customized Cash Rewards Credit Card for Students, Bank of America® Unlimited Cash Rewards Credit Card for Students and Bank of America® Travel Rewards Credit Card for Students.
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2. Customize your rewards categories
Bank of America offers credit cards, like the Bank of America® Customized Cash Rewards credit card, that let you choose which spending categories you earn the most on. Some issuers offer similar cards, but Bank of America is unique since it offers this feature on several different types of cards. This includes student cards (Bank of America® Customized Cash Rewards Credit Card for Students) and credit-building cards (Bank of America® Customized Cash Rewards Secured Credit Card).
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3. Check your credit score
You can check your FICO® Score on your Bank of America app or online.
Check your credit score for free with LendingTree Spring. -
4. $0 liability guarantee
All Bank of America credit cards have a $0 liability guarantee. This means you’re not responsible for any fraudulent transactions, as long as you report them promptly.
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5. Overdraft protections
You can enroll in Bank of America’s Balance Connect®, which lets you connect up to five other Bank of America accounts to help you automatically cover any exceeding transactions.
How to apply for a Bank of America credit card
You can apply for a Bank of America credit card online or in-branch. To apply online:
- Visit bankofamerica.com and choose the credit cards option.
- Then select the card you’re interested in applying for to be taken to the application form.
- Once you start the application, you can save it for later if you can’t finish it right away.
- Once you submit your application, you should receive a response from Bank of America right away with the next steps.
Just be aware that Bank of America has a 2/3/4 rule that limits the number of cards you can open in a certain time period. This only applies to Bank of America consumer cards:
- You can only get approved for two new cards in a 30-day period
- You can only get approved for three new cards in a 12-month period
- You can only get approved for four new cards in a 24-month period
What is the Bank of America Preferred Rewards® program?
Bank of America offers a rewards program for existing Bank of America and Merrill clients known as Preferred Rewards. Once enrolled, you can get special benefits with Bank of America, depending on your qualifying balance in a Bank of America or Merrill investing account:
| Tier level | Required balance to qualify (Three-month combined average daily balance) | Credit card point bonus |
|---|---|---|
| Gold | $20,000 to $49,999 | 25% |
| Platinum | $50,000 to less than $99,999 | 50% |
| Platinum Honors | $100,000 to less than $999,999 | 75% |
| Diamond | $1,000,000 or more | 75% |
If you’re an existing Preferred Rewards member, that can make some Bank of America cards more attractive options. For example, you might be looking at the Bank of America® Travel Rewards Credit Card for Students, which has a rewards rate of 1.5 points per $1 spent on all purchases. That could increase the rewards rate to 2.625x points on all purchases with the Platinum Honors or Diamond tier.
Similarly, the sign-up bonus (which lets you earn 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) can essentially increase to 26,250 points if you’re in the highest tiers.
→ Learn more about the Bank of America Preferred Rewards® Program
How to choose the best Bank of America credit card
When deciding what the best Bank of America credit card is for you, compare the following:
- Secured vs. unsecured
People looking to build credit should go with one of Bank of America’s secured credit cards. A secured card can help you build credit and qualify for a more robust credit card later on. However, if you have a solid credit history, then you should go with an unsecured credit card. - Cash back vs. travel
If you’re a frequent traveler, then a travel credit card may make more sense for you instead of a cash back credit card. Redeeming travel rewards can often be more valuable — plus, travel cards come with travel-related benefits, like travel protections and no foreign transaction fees. But if you rarely travel, then a cash back card might be the way to go to earn rewards on everyday spending. - Flat-rate vs. customizable rewards
Bank of America is unique because it offers customizable rewards rates on some cards, which is hard to come by. With customizable rewards, you can choose a spending category to earn 3% in — and you can change your category every month. That can be more valuable if you choose wisely, but also a hassle to deal with. If you don’t want to keep track of bonus categories, consider a Bank of America rewards credit card that offers 1.5% on all purchases. - No annual fee vs. annual fee
Decide whether you want to dish out an annual fee. Cards with annual fees typically come with more benefits, like travel perks and better sign-up bonuses. If you’re thinking an annual fee credit card, make sure you can get enough value from the perks and credits to make up for the fee. Otherwise, stick to a no annual fee credit card.
Frequently asked questions
The Bank of America® Premium Rewards® Elite Credit Card is the highest Visa tier Bank of America offers — Visa Infinite — which offers a minimum credit limit of $10,000.
No. Instead, you can add your Bank of America credit card to your digital wallet of choice.
If you have limited credit history or no credit history, applying for a secured credit card might be your best option. With a secured card, you submit a security deposit to the issuer, and this protects them in case you default on what you owe. For that reason, secured cards are typically easier to get than unsecured cards.
That depends on the specific Bank of America credit card you’re applying for. The Bank of America® Premium Rewards® credit card, for instance, requires good / excellent credit. But if you’re applying for the Bank of America® Customized Cash Rewards Secured Credit Card, the requirements might not be as stringent. Secured cards are often available to people with bad credit or no credit history.
Depending on which Bank of America credit card you have, you may be able to redeem your points for statement credits, gift cards, cash back or travel.
The only metal credit card Bank of America offers is the Bank of America® Premium Rewards® Elite Credit Card, which has a $550 annual fee.
The information related to the Bank of America® Unlimited Cash Rewards Credit Card for Students, BankAmericard® credit card, Bank of America® Unlimited Cash Rewards Secured Credit Card, Bank of America® Customized Cash Rewards Credit Card for Students, Bank of America® Customized Cash Rewards Secured Credit Card, Alaska Airlines Visa Signature® credit card, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, Bank of America® Travel Rewards Credit Card for Students and Bank of America® Premium Rewards® Elite Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
