Which Bank of America credit cards are World Mastercards?

World Mastercard is one of the top tiers for Mastercard network benefits. So if you have a World Mastercard credit card, you get all of the perks afforded people with Standard, Gold and Platinum Mastercards, plus the following:

• Price Protection: If the price of an item goes down within 120 of purchase, the difference in price may be reimbursed. For more information, check out WalletHub’s latest … read full answerCredit Card Price Protection Report.
• Trip Cancelation Insurance: Reimbursement for nonrefundable charges if a trip is cancelled or interrupted.
• Luggage Insurance: Coverage for lost, stolen or delayed baggage.
• Hotel/Motel Burglary Insurance: Reimbursement for personal property stolen from a hotel or motel room.
• Priceless Cities: Exclusive opportunities in big cities around the world.
• World Travel Experiences and Offers: Access to special discounts, plus travel advice and guides by region.
• Airport Lounge Access: Access to 600+ lounges in 100+ countries through Priority Pass™.

In case you’re curious, Barclaycard CashForward™ World Mastercard® and the HSBC Premier World Mastercard® credit card are a couple notable examples of World Mastercard credit cards. And if you’d like to learn more, check out the full list of World Mastercard benefits.

The credit score needed for Bank of America credit card approval ranges from bad credit for the Bank of America® Cash Rewards Secured Credit Card to excellent credit for the Bank of America® Cash Rewards credit card. Applicants need excellent credit to get most Bank of America rewards credit cards. But there are three BofA student credit cards available to young people with limited or no credit. And a few BofA credit cards co-branded with companies like the … read full answerAlaska Airlines Credit Card and the Major League Baseball® (MLB) Credit Card require good credit.

Still, the minimum credit score needed for Bank of America credit card approval is only one factor in the decision. Bank of America will also consider employment status, income, debt level, age, number of open accounts, monthly rent or mortgage payments and more.

While there are clearly lots of Bank of America credit card options for good and excellent credit, the choices are sparse for people with lower scores. In that case, cards from other issuers, such as Capital One and Discover, may be more helpful. For bad credit, the Secured Mastercard® from Capital One and the Discover it® Secured Credit Card card are great options.

The best Bank of America credit card for rewards is the Bank of America Premium Rewards card. It has a signup bonus of 50,000 points for spending $3,000 in the first 90 days, and it gives 2 points for every dollar spent on travel and dining as well as 1.5 points on all other purchases. The Premium Rewards card also gives cardholders a $100 credit for TSA Precheck or Global Entry every four years, and an annual $100 credit to cover air travel incidentals. All of those rewards come at the price of a $95 annual fee.… read full answer

There are less expensive options too. The best Bank of America credit card for rewards and no annual fee is the Bank of America Cash Rewards credit card. It gives cardholders 3% cash back on gas or their choice of one of five popular categories and 2% back on groceries and wholesale club purchases. The 3% and 2% cash back is capped at the first $2,500 spent in those categories each quarter. All other purchases earn unlimited 1% cash back. The BofA Cash Rewards card’s signup bonus is $200 for spending $1,000 in the first 90 days.

Best Bank of America Credit Cards for Rewards:

- Bank of America Premium Rewards Credit Card: 1.5-2 points for every dollar spent. Signup bonus of 50,000 points for spending $3,000 in the first 90 days. $95 annual fee.

- Bank of America Cash Rewards Credit Card: 1-3% cash back on all purchases. Signup bonus of $200 for spending $1,000 in the first 90 days. $0 annual fee.

- Bank of America Travel Rewards Credit Card: 1.5 points for every dollar spent. Signup bonus of 25,000 points for spending $1,000 in the first 90 days. $0 annual fee.

- Bank of America Cash Rewards Credit Card for Students: 1-3% cash back on all purchases. Signup bonus of $200 for spending $1,000 in the first 90 days. $0 annual fee.

- Bank of America Travel Rewards Credit Card for Students: 3 points for every dollar spent at the Bank of America Travel Center and 1.5 points on all other purchases. Signup bonus of 25,000 points for spending $1,000 in the first 90 days. $0 annual fee.

All of these Bank of America rewards credit cards require good-to-excellent credit, except the student cards. Individuals with limited credit can be approved for the two Bank of America student credit cards, but they’ll also need to be students.

If you don’t have good credit and aren’t a student but want a Bank of America card, your best option is the BankAmericard Secured credit card. It doesn’t give any rewards, but applicants with bad credit can be approved.