Is The Bank of America Premium Rewards credit card a Visa or Mastercard? This question is about the Bank of America® Premium Rewards® credit card

Is The Bank of America Premium Rewards credit card a Visa or Mastercard?

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This question is about the Bank of America® Premium Rewards® credit card

Maria Adams, Credit Cards Moderator

@m_adams • 12/13/21 This answer was first published on 12/13/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Bank of America® Premium Rewards® credit card is a Visa, not a Mastercard. You can use your Bank of America Premium Rewards credit card at nearly 11 million merchants that accept Visa nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

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What are the Bank of America credit score requirements?

The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from Bank of America with a bad credit score, for example.

Bank of America Credit Score Requirements by Card

Bank of America® Customized Cash Rewards Secured Credit Card: 300 (Bad credit)
Bank of America® Unlimited Cash Rewards Secured Credit Card: 300 (Bad credit)
BankAmericard® Secured Credit Card: 300+ (Bad credit)
Bank of America® Travel Rewards credit card for Students: 750+...

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Does Bank of America offer a metal credit card?

No, Bank of America does not offer any metal credit cards. All of the Bank of America credit card offers that are currently available are made of traditional plastic materials, rather than metal, but a metal card is functionally no different from a plastic credit card. The only real difference is that metal credit cards are heavier and more durable.

If you’re willing to consider cards from other major issuers, some popular metal credit cards include the Chase Sapphire Preferred® Card...

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What happens if you don't use your credit card?

The short answer is that nothing is likely to happen if you don’t use your credit card for a few months. Not using your card could actually help your credit score if you have a $0 balance when you stop (contrary to some common myths about keeping a small credit card balance being beneficial).

The longer answer is that exactly what happens if you don’t use your credit card depends on which card you...

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