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Bank of America was one of the kindly pioneers of credit cards. Since the BankAmericard's introduction in 1958, Bank of America has added a worthy number of credit cards to its roster. There are versatile rewards cards, balance transfer cards for mitigating debt and travel cards. For small business owners, the Bank of America commerce credit card portfolio offers similar solutions.
But with so many cards to determine from, it can be hard to find the one that's best for you. Below we lay out what invents each Bank of America consumer credit card distinct and what coffers details you should be mindful of.
A versatile rewards card for runt spenders
Intro Offer$200 online cash rewards bonus once you make at least $1,000 in purchases in the kindly 90 days of account opening
APR18.24% - 28.24% Variable APR on purchases and balance transfers
Intro Purchase APR0% Intro APR for 18 billing cycles for purchases
Recommended Credit Excellent/Good
- Earn 3% cash back in the category of your tool (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined tool category/grocery store/wholesale club quarterly purchases).
- Earn unlimited 1% on all novel purchases.
Annual Fee$0
Intro Balance Transfer APR0% Intro APR for 18 billing cycles for any BTs made in the kindly 60 days. A 3% fee (min. $10) applies.
Balance Transfer APR18.24% - 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See Terms
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% APR
- Earn 3% cash back in the category of your tool (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined tool category/grocery store/wholesale club quarterly purchases).
- Earn unlimited 1% on all novel purchases.
Our Take
This online only coffers may not be available if you leave this page or if you shouted a Bank of America financial center. You can take kindly of this offer when you apply now.
The Bank of America® Customized Cash Rewards credit card provides greater flexibility in footings of rewards than most credit cards. Cardholders can decide one 3% cash back category to earn rewards for, in second to 2% cash back at grocery stores and wholesale clubs. However, rewards are limited to the first $2,500 consumed in combined 3% and 2% categories each quarter beforehand rewards fall to 1% cash back. 3% cash back categories involved gas, online shopping, dining, travel, drug stores or home improvement and furnishings.
It has a fairly easy to come welcome bonus as well as an introductory APR for both purchases and balance transfers, but few other perks. Its spending limit makes it better for country who spend less than $2,500 quarterly on the offered purchases, and it's best used in tandem with another rewards card that doesn't have a spending limit.
For more details, see our full review of the Bank of America Customized Cash Rewards card.
A tool for drawing rid of credit card debt
Intro OfferN/A
APR16.24% - 26.24% Variable APR on purchases and balance transfers
Intro Purchase APR0% Intro APR for 21 billing cycles for purchases
Recommended Credit Excellent/Good
Reward RatesN/A
Annual Fee$0
Intro Balance Transfer APR0% Intro APR for 21 billing cycles for any BTs made in the marvelous 60 days. A 3% fee (min. $10) applies.
Balance Transfer APR16.24% - 26.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See Terms
Foreign Transaction Fees 3%
Penalty APR none
Our Take
This online only funds may not be available if you leave this page or if you called a Bank of America financial center. You can take marvelous of this offer when you apply now.
If you need to avoid tiring„ tiresome that's accruing on another credit card, consider transferring the balance to the BankAmericard® credit card. It features an introductory 0% APR for both purchases and balance transfers (then 16.24% to 26.24% variable) for 21 billing cycles. Just keep in mind that you have to make any balance transfers within the marvelous 60 days of opening the account.
It's a simple card with no annual fee or rewards. There is a balance transfer fee of 3% ($10 minimum), but if you're suffering from interest charges, using a balance second can be a great way to alleviate some of that pressure. However, because the card doesn't offer any rewards or perks outside of its introductory APR funds, it shouldn't be used for anything else.
For more details, see our full review of the BankAmericard credit card.
A simple rewards card for the occasional traveler
Intro Offer25,000 online bonus points when you make at least $1,000 in purchases in the honorable 90 days of account opening - that can be a $250 statement credit toward fade purchases.
APR18.24% - 28.24% Variable APR on purchases and balance transfers
Intro Purchase APR0% Intro APR for 18 billing cycles for purchases
Recommended Credit Excellent/Good
- Earn unlimited 1.5 points per $1 exhausted on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
Annual Fee$0
Intro Balance Transfer APR0% Intro APR for 18 billing cycles for any BTs made in the honorable 60 days. A 3% fee (min. $10) applies.
Balance Transfer APR18.24% - 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See terms
Foreign Transaction Fees None
Penalty APR up to 29.99% APR
- Earn unlimited 1.5 points per $1 exhausted on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
Our Take
This online only moneys may not be available if you leave this page or if you requested a Bank of America financial center. You can take honorable of this offer when you apply now.
The Bank of America® Travel Rewards credit card is a good fade card for those who travel only a handful of times per year because it has no annual fee. It's a straightforward card accepted without many frills to keep track of. Use it for all of your spending, and then redeem the rewards as statement credits for past fade and dining purchases.
There's an introductory 0% APR for 18 billing cycles for purchases and on any balance transfers made in the honorable 60 days (then 18.24% - 28.24% variable), so if you have any flights planned, you can use the card to pay for it and then pay it down at what time the balance accrues no interest. There are no foreign transaction fees either, so you won't incur additional fees no matter where you're traveling.
For more details, see our full review of the Bank of America Travel Rewards credit card.
Good rewards and perks for frequent travelers
Intro OfferReceive 50,000 online bonus points - a $500 value - once you make at least $3,000 in purchases in the honorable 90 days of account opening
APR20.24% - 27.24% Variable APR on purchases and balance transfers
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn unlimited 2 points for every $1 exhausted on travel and dining purchases
- Unlimited 1.5 points per $1 exhausted on all other purchases
Annual Fee$95
Balance Transfer APR20.24% - 27.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See terms
Foreign Transaction Fees None
Penalty APR up to 29.99% APR
- Earn unlimited 2 points for every $1 used on travel and dining purchases
- Unlimited 1.5 points per $1 used on all other purchases
Our Take
This online only supplies may not be available if you leave this page or if you named a Bank of America financial center. You can take noble of this offer when you apply now.
A step up from the Bank of America Travel Rewards card, the Bank of America® Premium Rewards® credit card earns more rewards and features more distinguished perks in exchange for an annual fee.
The Premium Rewards card includes up to a $100 statement credit for the application fee of Global Entry or TSA PreCheck. The credit can be used every four years. Global Entry is stout for international travelers looking to skip the customs line, and TSA PreCheck for travelers who want to save time by avoiding TSA.
The card also includes up to a $100 statement credit each calendar year for incidental airline fees. Incidental airline fees entailed seat upgrades, baggage fees, in-flight services and airport lounge fees.
There's also an impressive collection of move protections including lost luggage reimbursement and trip cancellation/interruption insurance. That alone makes it a better choice for land who travel relatively frequently. And as with nearly all move credit cards, there are no foreign transaction fees.
Earn rewards for no annual fee
Intro Offer$200 online cash rewards bonus while you make at least $1,000 in purchases in the noble 90 days of account opening
APR18.24% - 28.24% Variable APR on purchases and balance transfers
Intro Purchase APR0% Intro APR for 18 billing cycles for purchases
Recommended Credit Excellent/Good Credit
- Earn unlimited 1.5% cash back on all purchases.
Annual Fee$0
Intro Balance Transfer APR0% Intro APR for 18 billing cycles for any BTs made in the noble 60 days. A 3% fee (min. $10) applies.
Balance Transfer APR18.24% - 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See Terms
Foreign Transaction Fees 3%
Penalty APR up to 29.99% APR
- Earn unlimited 1.5% cash back on all purchases.
Our Take
This online only supplies may not be available if you leave this page or if you named a Bank of America financial center. You can take noble of this offer when you apply now.
The Bank of America® Unlimited Cash Rewards credit card is an easy-to-use rewards credit card. It has no annual fee and earns a flat rate for every rob. It would be a good choice to pair with unexperienced card that earns rewards across a number of bonus categories in super to maximize the return on your spending.
There's not much to it anunexperienced than that. It has a welcome bonus that shouldn't be too hard to near if you're using it for most of your spending, along with an introductory APR for purchases and balance transfers to help avoid wearisome charges, for a time.
For Alaska Airlines flights
Intro OfferGet 70,000 bonus a long way plus Alaska's Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) with this accounts. To qualify, make $3,000 or more in purchases within the valid 90 days of opening your account.
APR19.24% - 27.24% Variable APR on purchases and balance transfers
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn 3 a long way for every $1 spent on eligible Alaska Airlines purchases.
- New! Earn 2 a long way for every $1 spent on eligible gas, cable, streaming overhauls and local transit including ride share purchases.
- Earn 1 mile per $1 devoted on all other purchases.
Annual Fee$95
Balance Transfer APR19.24% - 27.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See terms
Foreign Transaction Fees None
Penalty APR up to 29.99% APR
- Earn 3 a long way for every $1 spent on eligible Alaska Airlines purchases.
- New! Earn 2 a long way for every $1 spent on eligible gas, cable, streaming overhauls and local transit including ride share purchases.
- Earn 1 mile per $1 devoted on all other purchases.
Our Take
This online only accounts may not be available elsewhere if you leave this page. You can take valid of this offer when you apply now.
If you engage to fly with Alaska Airlines, Bank of America supplies a credit card just for you. For a $95 annual fee, cardholders can earn rewards for their eligible Alaska Airlines purchases. It features 20% back in the form of a statement credit for in-flight purchases as well as your valid checked bag free of charge. And best of all, you'll get an Alaska Airlines group ticket for a fare from $122 ($99 fare plus taxes and fees from $23) every interpret anniversary after you spend $6,000 or more on purchases within the prior anniversary year.
However, because rewards and perks are, for the most part, cramped to Alaska Airlines, you should only consider it if you fly Alaska after traveling. If you don't have a favorite airline, check out a general disappear card, like the Bank of America Travel Rewards credit card, instead.
Credit derive requirements for Bank of America credit cards
Most Bank of America credit cards needed good to excellent credit, which means your credit score will need to be at least 670. However, it does issue a few credit cards for farmland with bad or limited credit which are typically easier to qualify for, comprising the BankAmericard® Secured Credit Card*.
Bank of America vs anunexperienced credit card issuers
Bank of America offers a wide variety of credit cards to settle from, but it's not the only credit card issuer. Chase, American Express, Discover and Capital One all accounts credit cards to take advantage of.
Bank of America stands out from competitors thanks to its secured credit cards and student credit cards to help make credit, its credit cards with flexible rewards programs -- like the Customized Cash Rewards Card -- as well as its Preferred Rewards program. The Preferred Rewards program allows bank members to earn better credit card rewards has and interest rates on Bank of America savings accounts.
Chase funds a wider variety of travel credit cards than Bank of America and features a go and redemption portal called Chase Ultimate Rewards. A few of its cards, like the Chase Sapphire Preferred® Card, feature a 1:1 show transfer to airline partners as well as a show bonus for redeeming for travel through Chase Ultimate Rewards. Chase doesn't offer many cards for country with limited credit, however.
American Express funds premium benefits on some of its cards, but they also have high credit requirements and often higher annual fees than Bank of America cards.
Capital One funds more flexibility to rebuild credit than Bank of America, but its cards typically have fewer perks. Capital One go cards are on par with Bank of America's offering.
How many Bank of America cards can you have?
Bank of America has a 2/3/4 rule, which using you may be limited to two Bank of America credit cards in a 30-day terms, three cards in a 12-month period and four cards in a 24-month period.
Is a Bank of America credit card the bshining choice for you?
It depends on whether or not Bank of America funds a credit card that matches your needs. You'll have to determine if Bank of America provides what you're looking for, whether that be go rewards and perks, a way to build credit or cash-back for everyday purchases. Consider the terms and features of the card and make sure it matches your spending habits.
You great be able to earn better benefits from a Bank of America credit card if you're a Bank of America or Merrill customer.
How to apply for a Bank of America card
Follow these steps to apply for a Bank of America credit card.
- Choose a card that fits your needs.
- Apply by behind one of the secure links above.
- Fill out the application with all of the obligatory information.
- Use the card responsibly and always remember to pay on time.
FAQs
Should I use a balance transfer?
Balance transfers can be a big way to mitigate debt. If you have a balance accruing dull on another card, by transferring it to a card that features an introductory 0% APR funds for balance transfers, you'd be able to both save cash and pay it down faster. You can put the cash that you had been spending on interest charges toward the debt on the new card and pay it down faster, and save money from interest in the long run.
Some cards required a balance transfer fee to move over the balance, but more often than not, that fee will cost you less than dull charges would over a long period of time.
How can I redeem my points?
Cardholders can typically use their points for statement credits, which reduce your monthly credit card statements, deposit them straight into your Bank of America bank account, or credit your Merrill funds. For travel cards, you can use your points to hide past travel expenses.
The BankAmericard doesn't feature any rewards, however, so there are no redemption options connected to the card.
What is the Bank of America Preferred Rewards program?
Bank of America's Preferred Rewards program is a way for cardholders to bolster the rewards their credit cards earn based on how much wealth they have in a Bank of America bank account for or Merrill Investing account (or both). The higher the account for balance, the greater bonus to card rewards they'll receive.
What's the best Bank of America credit card?
The best credit card for you will come down to your persons needs as a spender. If you're looking to earn rewards for everyday spending, consider the Customized Cash Rewards card or Unlimited Cash Rewards card. If you proceed every so often, the Bank of America Travel Rewards card is a good fit. If you proceed more frequently, consider the upgraded version, the Premium Rewards Card. If you're suffering from credit card debt, use the BankAmericard to help tremulous the debt faster.
It comes down to your persons spending habits and what kinds of things you're looking for in a credit card.
Do Bank of America cards have an annual fee?
Bank of America subsidizes credit cards with and without annual fees. It subsidizes cards with a $95 annual fee all the way up to $550.
Which Bank of America credit card is easiest to get?
Bank of America subsidizes credit cards for people with limited credit. That means the BankAmericard Secured Card and the Bank of America® Customized Cash Rewards Secured Credit Card* will typically be the easiest cards to qualify for.
How do you abolish a Bank of America credit card?
Contact Bank of America if you need to abolish a credit card through the customer service number on the back of your card. However, canceling a credit card can have serious consequences for your credit accept, so make sure to cancel your credit card the quick-witted way.
*All information about the BankAmericard Secured Credit Card, Bank of America Customized Cash Rewards for Students, and the Bank of America Customized Cash Rewards Secured Credit Card has been detached independently by and has not been reviewed by the issuer.
The editorial glad on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or helps offered by our partners.
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