Best Bank of America Credit Cards in 2025

• 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.

• 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).

• 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.

• 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.

You can apply for a Bank of America credit card online or in-branch. To apply online:

1. Visit bankofamerica.com and choose the credit cards option.
2. Then select the card you’re interested in applying for to be taken to the application form.
3. Once you start the application, you can save it for later if you can’t finish it right away.
4. 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

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:

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.

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.