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Best Bank of America Credit Cards
WalletHub makes it easy to find the best Bank of America credit card for you.
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- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee

- $200 initial bonus (online exclusive)
- 1.5% cash back on all purchases
- No annual fee
- Low intro APRs
- Potential for a very high regular APR
- 3% foreign transaction fee

- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
- Balance transfer fee of 3%
- Very high regular APR
- Excellent credit required

- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
- Very high regular APR
- Requires excellent credit

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
Best Bank of America Credit Cards in 2023

Bank of America® Customized Cash Rewards credit card
Why We Like It: The Bank of America® Customized Cash Rewards credit card is the best Bank of America credit card overall because it has a $0 annual fee and rewards users with 1 - 3% cash back on purchases. Bank of America Cash Rewards also has some great promotional offers.
For example, you can get a $200 bonus for spending $1,000 in the first 90 days. Plus, there’s currently an introductory APR offer of 0% for 18 billing cycles.
What We Don’t Like: This card has a high regular APR - 17.99% - 27.99% Variable - and requires excellent credit for approval.
Who Should Get It: Consider applying for this card if you have a credit score of 750 or higher and your spending habits match up well with the card’s bonus rewards. It’s an especially good option if you also do your banking with Bank of America, as you’ll earn extra rewards.
Alternatives to Consider: Chase Freedom Unlimited® and the Wells Fargo Active Cash® Card are great all-around credit cards, and both are available to people with good credit or better.
BankAmericard® credit card
Why We Like It: The BankAmericard® credit card is the best Bank of America credit card for low interest rates because it offers introductory APRs of 0% for 21 billing cycles on purchases and 0% for 21 billing cycles for any balance transfers made in the first 60 days. The BankAmericard credit card also has a $0 annual fee.
What We Don’t Like: There is a balance transfer fee of 3%. Plus, the card’s regular APR is 15.99% - 25.99% Variable.
Who Should Get It: Consider applying for this Bank of America credit card if you want to avoid interest charges for a long time. You can use WalletHub’s credit card payoff calculator to estimate your savings.
Alternatives to Consider: The Wells Fargo Reflect® Card also has some of the best credit card rates available right now, and you only need good credit to qualify.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Why We Like It: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is the best Bank of America credit card for business because it has a $0 annual fee and very attractive rewards. In addition to an initial bonus of $300 for spending $3,000 in the first 90 days, the Bank of America Customized Cash Rewards Business Card gives 1 - 3% cash back on purchases normally. Cardholders even get to choose one of their bonus rewards categories.
What We Don’t Like: You need excellent credit personally to qualify for this business credit card.
Who Should Get It: Small business owners with excellent credit should consider this card if its bonus rewards match up well with their company’s spending habits.
Alternatives to Consider: The Ink Business Preferred® Credit Card and the Ink Business Cash® Credit Card are two of the best business credit cards for rewards.
Bank of America® Unlimited Cash Rewards Secured Credit Card
Why We Like It: The Bank of America® Unlimited Cash Rewards Secured Credit Card is the best Bank of America credit card for bad credit because it has a $0 annual fee and reports to the major credit bureaus monthly. The Bank of America Unlimited Cash Secured Card also offers rewards of 1.5% cash back.
What We Don’t Like: Your spending limit equals the amount of your security deposit, which has to be at least $200. Plus, carrying a balance from month to month would get expensive fast, thanks to the card’s high APR.
Who Should Get It: Consider applying for this Bank of America credit card if you want to repair damaged credit.
Alternatives to Consider: The Capital One Quicksilver Secured Cash Rewards Credit Card and the Discover it® Secured Credit Card also have great rewards for people with bad credit.
Bank of America® Travel Rewards credit card for Students
Why We Like It: The Bank of America® Travel Rewards credit card for Students is the best Bank of America credit card for students because of its $0 annual fee, ongoing rewards rates of 1.5 points per $1, and sizable initial bonus. The Bank of America Travel Rewards for Students offers 25,000 points to new cardholders who spend $1,000 within 90 days.
What We Don’t Like: This card could have a high regular APR.
Who Should Get It: Consider applying for this card if you’re a student with enough income to afford monthly bill payments.
Alternatives to Consider: Students who would prefer cash back rewards also have an excellent option in the Bank of America® Customized Cash Rewards credit card for Students.
Asiana Credit Card
Why We Like It: The Asiana Credit Card is the best Bank of America credit card for airline miles. This co-branded airline credit card is issued by Bank of America and offers a lot of savings potential for people who regularly fly with Asiana or other Star Alliance members.
What We Don’t Like: This card has a $99 annual fee and a fairly high APR.
Who Should Get It: Consider applying for this card if you frequently fly with Asiana or its partner airlines.
Alternatives to Consider: The Delta SkyMiles® Gold American Express Card and the Capital One Venture Rewards Credit Card are two of the best rewards cards for frequent flyers.
Ultimately, the best BofA credit card for you depends on your credit standing as well as your spending and payment habits. To help you make the right decision for your wallet, we’ll summarize our editors’ best picks by category below.
Best Bank of America Credit Cards Comparison
Credit Card | Best For | Annual Fee |
Bank of America® Customized Cash Rewards credit card | Overall | $0 |
BankAmericard® credit card | 0% Intro APR | $0 |
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card | Small Business | $0 |
Bank of America® Unlimited Cash Rewards Secured Credit Card | Building Credit | $0 |
Bank of America® Travel Rewards credit card for Students | College Students | $0 |
Asiana Credit Card | Airline Miles | $99 |
If you don’t know where your credit stands, you can check your latest credit score for free on WalletHub.
Methodology for Selecting the Best Bank of America Credit Cards
WalletHub monitors the latest Bank of America credit cards, in addition to more than 1,500 other credit card offers, in order to help people find and get approved for the best credit card for their needs, whatever those needs may be. Given that many different types of people are in the market for a Bank of America credit card, WalletHub’s editors select the best options in a handful of popular usage categories.
In making their picks for the best Bank of America credit cards by category, WalletHub’s editors consider the terms and card features most important to the particular type of user or transaction in question. For example, when considering balance transfer credit cards, a card’s introductory balance transfer APR, balance transfer fee, regular APR and annual fee are most important. And we use those terms to calculate the expected cost of each card when used to pay down the average household credit card balance. With most rewards-based categories, on the other hand, we consider the average person’s expected net rewards earnings after two years of use, with annual fees factored in.
The particular parameters vary by category, but the bottom line is that we crunch the numbers to find you the best deal, so that you can maximize your savings with minimal effort.
Why People Trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best Bank of America credit cards.
Bank of America Credit Cards FAQ
Comparing Bank of America credit cards 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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Expert Opinions
- It doesn’t seem like Bank of America advertises its credit cards as much as other major issuers; why do you think that is?
- Bank of America uses the “BankAmericard” brand for some, but not all, of its credit cards; do you think the inconsistency could lead to consumer confusion / hurt Bank of America’s position in the credit card market?
Chair, Responsible Research in Business and Management (RRBM), The William S. Woodside Professor and Professor of Marketing, The Wharton School, University of Pennsylvania
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Director and Regents Professor, Washington State University, School of Economic Sciences
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Associate Professor of Marketing, Academic Integrity Facilitator, School of Business – Camden, Rutgers University
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Ph.D., Assistant Professor of Marketing, Economics and Marketing Department, Romain College of Business, University of Southern Indiana
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Ph.D., Professor of Marketing, College of Business and Economics, California State University, East Bay
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Ph.D., Assistant Professor, Department of Marketing and Entrepreneurship, University of Nebraska Omaha - College of Business Administration
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