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Best Bank of America Mastercard
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A Bank of America® Mastercard® is a credit card issued by Bank of America that’s on the Mastercard network. BofA Mastercard credit cards work worldwide, provide low currency conversion rates and offer a range of other benefits, such as rental car insurance and $0 fraud liability (Bank of America is a WalletHub partner). To identify the top Bank of America Mastercard credit cards, WalletHub’s editors compared all the options and picked their favorites by category.
Best Bank of America Mastercard Credit Cards
- BankAmericard® Secured Credit Card: Bad Credit
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Small Business
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Business Travel
- BankAmericard® Credit Card for Students: Student Card
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BankAmericard® credit card BankAmericard® credit card
- Low balance transfer intro APR for 18 billing cycles
- Low purchase intro APR for 18 billing cycles
- No annual fee
- $100 initial rewards bonus
- Balance transfer fee of 3% (min $10)
- Very high regular APR
- Excellent credit required
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 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, 13.74% - 23.74% Variable APR will apply. A 3% fee (min $10) 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.
Free Spirit Airlines Credit Card with No Annual Fee Free Spirit Airlines Credit Card with No Annual Fee
- No membership fees
- High rewards rate
- 10,000 points initial rewards bonus
- No foreign fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- Earn 10,000 Bonus Points after spending at least $500 on purchases in the first 90 days of account opening.
- Earn 2X points on Spirit purchases and 1 point per $1 on all other purchases with no limit to the points you can earn.
- Receive 5,000 Bonus Points each anniversary after making at least $10,000 in purchases within the prior year.
- Get a 25% rebate on all inflight food and beverage purchases when you pay with your card.
- Get Zone 2 Shortcut Boarding on all flights.
Sonesta Credit Card Sonesta Credit Card
- High rewards rate
- 60,000 points initial rewards bonus
- No membership fees first year
- No foreign fee
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- 60,000 bonus points after spending at least $1,000 in purchases within the first 90 days of account opening.
- 5,000 additional points after adding an authorized user within the first 90 days of account opening.
- 30,000 bonus points at your Account Anniversary if you spend at least $7,500 on purchases every year.
- 3x points on eligible Sonesta purchases; 2x points on eligible airfare, car rental and dining purchases and 1 point for every $1 spent on all other purchases.
- Redeem your Sonesta Travel Pass points for a free night with as little as 10,000 points. Points do not expire and no blackout dates.
- The primary cardholder will automatically be awarded the special Sonesta Travel Pass benefit of Elite Membership status when they are approved for the credit card.
- Complimentary Room Upgrade (subject to availability) and 15% discount on dining and resort amenities.
- $0 Liability Guarantee for fraudulent transactions.
- Overdraft Protection & Paperless Statement Option.
- FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
- Online & Mobile Banking.
- Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
What is the best Bank of America Mastercard?
A Bank of America Mastercard is not one-size-fits-all. In other words, determining which BofA Mastercard is best depends on your credit standing, whether you’re in the market for rewards or low rates and whether you own a small business.
To help you make the right selection, WalletHub compared all of the Bank of America Mastercards in our database of 1,000+ credit card offers and selected the top choices for different types of applicants.
Best Bank of America Mastercard Credit Cards
| Card Name | Best For | Annual Fee | Min. Credit Required |
| Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | Business Travel | $0 | Excellent |
| Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card | Small Business | $0 | Excellent |
| BankAmericard® Secured Credit Card | Bad Credit | $0 | Bad |
| BankAmericard® Credit Card for Students | Student Card | $0 | Limited History |
It’s important to remember that the best Bank of America Mastercard may not be the best BofA card for your needs, let alone the best credit card overall. So we definitely recommend expanding your search to confirm you’ve found the right offer.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Questions & Answers
Comparing bank of america mastercard can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Which Bank of America credit cards are World Mastercards? Reply
The Bank of America credit cards that have the World Mastercard level of benefits are:
- Norwegian Cruise Line® Credit Card: Good (700+) credit needed.
- Allegiant Credit Card: Good (700+) credit needed.
- Sonesta Credit Card: Good (700+) credit needed.
The Bank of America credit cards on the World Mastercard level offer many benefits, including travel insurance, purchase benefits, special experiences, and many others.
Here are some of the best World Mastercard benefits:
- Travel insurance
- Special privileges at certain hotels
- 24/7 assistance
- Extended warranty
- Price protection
- Special experiences, such as VIP access to exclusive events
Keep in mind that credit card benefits provided by a card network, such as Mastercard, are not necessarily on every credit card in that network by default. In other words, not every World Mastercard will have all the World Mastercard benefits. Ultimately, the card issuer – in this case, Bank of America – decides which cards get which benefits. So, it’s best to refer to the benefits guide that was mailed with your card.
Are Bank of America credit cards Visa or Mastercard? Reply
Bank of America credit cards can be Visa or Mastercard, depending on the card, as Bank of America issues cards on both major networks. There are 12 Bank of America Visa credit cards available, as of October 2021, in addition to 11 Bank of America Mastercard offers. Both Visa and Mastercard are accepted almost universally worldwide, and the two networks provide similar benefits, so whether a Bank of America credit card is a Visa or a Mastercard should not be a deciding factor in most people’s credit card choice.
Bank of America Visa Cards:
- Bank of America® Customized Cash Rewards credit card
- Bank of America® Customized Cash Rewards Secured Credit Card
- Bank of America® Customized Cash Rewards Credit Card for Students
- Bank of America® Travel Rewards credit card
- Bank of America® Travel Rewards Credit Card for Students
- Bank of America® Premium Rewards® credit card
The list also includes cards co-branded with Alaska Airlines, Susan G. Komen, World Wildlife Fund, U.S. Pride, Royal Caribbean and Celebrity Cruise.
Bank of America Mastercard Cards:
- BankAmericard® credit card
- BankAmericard® Secured Credit Card
- BankAmericard® Credit Card for Students
The co-branded Norwegian Cruise Line, MLB, Spirit Airlines, Allegiant, Amtrak Guest Rewards, Air France KLM, Sonesta and Virgin Atlantic credit cards are on the Mastercard network, too.
What benefits come with a Bank of America World Mastercard? Reply
The Bank of America World Mastercard benefits include:
- Rental car insurance
- Extended warranty coverage
- Price protection for up to 120 days
- Travel insurance for trip cancellations, trip interruptions, and trip delays
- ID theft alerts and ID resolution services
Each of the Bank of America World Mastercard credit cards that are available will have similar benefits. But it’s possible that not all the cards will offer every benefit named above. This is partly because the cards are often co-branded with an airline, cruise line, or other partner company.
To determine which benefits are included, refer to the benefits guide that came with your World Mastercard, use the chat function on the Bank of America website, or call (800) 592-4089.
What is the Bank of America Mastercard foreign transaction fee? Reply
The Bank of America Mastercard foreign transaction fee is either 3% or 0% of all international transactions, depending on your card.
At 3%, the Bank of America foreign transaction fee is too steep for anyone planning to make international purchases, but the cards that charge it are meant more for everyday spending than travel.
The most popular Bank of America 0%-foreign-transaction-fee Mastercard are co-branded: the Sonesta Credit Card, the Air France KLM Credit Card and the Virgin Atlantic Credit Card.
The bank's general travel cards, including the Bank of America® Travel Rewards credit card and the Bank of America® Premium Rewards® credit card, have 0% foreign transaction fees, but they're Visa credit cards. Worldwide acceptance is pretty much the same, however, they're better suited for occasional travelers or people who spend on many different categories.
What are the Bank of America Mastercard benefits? Reply
The Bank of America Mastercard benefits include zero liability protection, Mastercard Global Service and ID theft protection. Below you can find more details on each benefit.
Here’s more info about the Bank of America Mastercard benefits:
- Zero liability: You won’t be held responsible for unauthorized transactions. This benefit applies to purchases made in store, over the phone, online, via a mobile device or ATM transactions.
- Mastercard Global Service: This benefit provides emergency assistance anytime, anywhere and in any language. Mastercard Global Service helps you with reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM and answering questions about your account.
- ID theft protection: This benefit monitors your credit file and sends alert notifications whenever suspicious activity is detected. It also provides a resolution specialist to you when required.
Certain exclusions and limitations may apply. So, make sure to check the guide to benefits that came with your Bank of America Mastercard for more details.
In addition to having these benefits, it’s important to remember that most Bank of America Mastercard credit cards also give rewards. Rewards aren’t generally considered card benefits but having a credit card that earns great rewards can be a big asset to cardholders.
What is the Bank of America corporate Mastercard? Reply
A Bank of America corporate Mastercard is a special type of business credit card account that’s issued to a corporation (generally one with $10+ million in annual revenue), rather than an individual representing a business. As a result, individuals are not liable for corporate credit card debt, unlike balances on traditional business credit cards.
How do I get a Bank of America Mastercard securecode? Reply
To get a Bank of America Mastercard securecode contact your transaction processor to confirm that they support the Mastercard SecureCode program.
If they do, install a Mastercard SecureCode compliant "plug-in" application on your site. Test your site with Mastercard to ensure that SecureCode is working properly.
You can display the Mastercard SecureCode logo to let your customers know that you are working to secure online shopping.
Featured Credit Cards
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