WalletHub 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
BANK OF AMERICA MASTERCARD
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- No membership fees
- Qualify with bad credit
- High regular APR
- Foreign fee
- Requires security deposit
- No membership fees
- High rewards rate
- 25,000 points initial rewards bonus
- No foreign fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- 50,000 points + $100 Flight Voucher 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
- High rewards rate
- 50,000 miles initial rewards bonus
- No foreign fee
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- 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
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- $100 initial rewards bonus
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 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
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 | Excellent |
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. WalletHub independently collected information for some of the cards on this page.show more
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Which Bank of America credit cards are World Mastercards? Reply
There are a few Bank of America credit cards that are World Mastercard, but they are affiliated with certain brands. A good option is the Norwegian Cruise Line® Credit Card. This card offers 1 - 3 points per $1 spent, depending on the type of purchase. Plus, you can earn 25,000 points for spending $1,000 in the first 90 days. The card’s annual fee is $0.
Notable Bank of America World Mastercard Cards
- No Annual Fee: Norwegian Cruise Line® Credit CardNorwegian Cruise Line® Credit CardLearn MoreLearn More
- Travel Rewards: Allegiant Credit CardAllegiant Credit CardLearn MoreLearn More
- Initial Bonus: Sonesta Credit CardSonesta Credit CardLearn MoreLearn More
The Bank of America credit cards on the World Mastercard level offer many benefits, including travel insurance, purchase benefits, special experiences, and many others.
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. 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 for more details on the benefits provided.
Are Bank of America credit cards Visa or Mastercard? Reply
Bank of America credit cards can be either Visa or Mastercard, depending on the card. Both Visa and Mastercard credit cards benefit from extensive worldwide acceptance, and they also provide similar perks. 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.
The Bank of America Visa credit cards are known for offering extensive rewards, for both everyday purchases and travel expenses. Most of...
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...
What is the Bank of America Mastercard foreign transaction fee? Reply
Most Bank of America Mastercard credit cards charge a foreign transaction fee of 3% on all international transactions. Some exceptions include the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card and a few travel co-branded cards, which come with a $0 foreign transaction fee.
At 3%, the Bank of America Mastercard 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.
Alternative Credit Card Options
If...
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 are 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...
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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