Bank of America Credit Cards
WalletHub makes it easy to find the best Bank of America credit card for you.
Once you find the best Bank of America credit card for your needs, you’d be wise to compare it to the best cards from other issuers before submitting an application. This will help ensure you’re not leaving a great deal on the table. If you have a question about an existing account, you can reach Bank of America’s credit card customer service department at 800-732-9194. …
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- NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
- No changing categories and no expiration on rewards
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
- Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
- 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to 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
- See More Details & Reviews About TheBankAmericard® credit card
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
- 0% Introductory APR for 12 billing cycles for purchases, then 16.74% - 24.74% Variable APR
- See More Details & Reviews About TheBank of America® Travel Rewards credit card
- Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- If you’re a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
- No limit to the points you can earn and your points don’t expire
- Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
- Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
- No Foreign Transaction Fees
- Low $95 annual fee
- See More Details & Reviews About TheBank of America® Premium Rewards® credit card
- Credit line $300-$4,900. Your maximum credit line is determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established.
- Important account information is shared with the 3 major credit bureaus helping you to establish a credit history that could benefit you now and in the future.
- Your account will be reviewed periodically and, based on your overall credit history, you may qualify to have your security deposit returned.
- Security Benefits: $0 Liability Guarantee, ShopSafe® service, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- See More Details & Reviews About TheBankAmericard® Secured Credit Card
WalletHub's Best Bank of America Credit Cards
That depends on your credit standing, borrower status and what type of rewards you’re after. Bank of America credit cards don’t really measure up in terms of 0% financing. So if you’re planning a big-ticket purchase or you’d like to reduce the cost of existing debt, you should compare offers from other issuers.To help those of you who plan to pay in full every month find the right card for your needs, WalletHub compared more than 100 offers to identify the best Bank of America credit cards in major usage categories. And here are their picks for the top offers.
Here Are 2018’s Best Bank of America Credit Cards:
| Best BofA Card for... | Card Name | Annual Fee | Min. Credit Required |
|---|---|---|---|
| Airline Miles | Asiana Credit Card | $99 | Good |
| Cash Back | Bank of America® Cash Rewards credit card | None | Excellent |
| 0% Intro Rate | BankAmericard® credit card | None | Excellent |
| College Students | Bank of America® Travel Rewards credit card for Students | None | Limited History |
| Small Business | Business Advantage Cash Rewards Mastercard® credit card | None | Excellent |
If you don’t know where your credit stands, you can check your latest credit score for free on WalletHub.
Questions & Answers
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 moreshow less
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What are the best Bank of America credit card benefits? Reply
Like all other credit cards, Bank of America cards offer $0 fraud liability guarantees, which means you won’t have to pay for unauthorized purchases. Below, you can also check out where Bank of America ranks in a handful of WalletHub studies on important credit card benefits.
- 1st – Small Business Friendliness
- T-1st – Application Clarity
- 5th – Customer Satisfaction
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14th – Rental Car Insurance
You can learn more about Bank of America and browse customer reviews on its WalletHub details page.
Can I apply for a Bank of America credit card if I'm from Colombia? Reply
That depends. If you're a student currently in the US, then you should be able to apply and get the card. If you're currently in Colombia, then unfortunately no.
What is the Bank of America cash advance fee? Reply
The Bank of America cash advance fee is either 3% or 5% of the amount withdrawn, with a $10 minimum. Whether you get charged a 3% or 5% BofA cash advance fee depends on how you get your cash. If it’s from an ATM, for example, you pay 5%. But if you get it as a direct deposit to your bank account in 1-3 business days, you pay 3%.
In addition to the Bank of America cash advance fee, you’ll owe interest at a variable rate of 17.99% to 26.99%, depending on your creditworthiness and income. This interest compounds daily. So each day you’ll owe interest on both the original balance and any interest charged on your cash advance in previous days.
Between the high interest rate and big fee, a BofA cash advance clearly is not good for your wallet.
Bank of America Cash Advance Fee by Transaction Type:
- Withdrawing money from an ATM: 5% cash advance fee
- Getting cash from a bank teller: 5% cash advance fee
- Same-day direct deposit to your bank account: 5% cash advance fee
- Buying cash equivalents like money orders or casino chips: 5% cash advance fee
- 1-3 business day direct deposit to your bank account: 3% cash advance fee
- Cash advance check that uses your card’s credit line: 3% cash advance fee
Bank of America cash advance fees are similar to what other credit card companies charge. Chase, Citi, Discover and Wells Fargo have 5% cash advance fees, for example. American Express, Capital One and U.S. Bank charge 3%. No matter who issues your card, cash advances will always be expensive.
What is the best Bank of America credit card bonus? Reply
The best Bank of America credit card bonus is 50,000 points, worth $500, for spending $3,000 in the first 90 you have the Bank of America Premium Rewards Card. The Bank of America Premium Rewards Credit Card has other bonuses too: a $100 annual airline fee credit and a $100 credit toward TSA Pre-Check or Global Entry that you can use every four years. The Premium Rewards Card costs $95 per year.
There are a lot of other good Bank of America credit card bonus offers, too. Bank of America Travel Rewards gives 25,000 points when you spend $1,000 in the first 90 days. And it comes with no annual fee. Bank of America Cash Rewards gives you $200 in cash back when you spend $500 in the first 90 days. It also has no annual fee. Quite a few Bank of America co-branded cards also come with good bonuses.
Here are the best Bank of America credit card bonus offers:
- 50,000 bonus points ($500 value) for spending $3,000 in the first 90 days: Bank of America Premium Rewards
- 25,000 bonus points ($250 value) for spending $1,000 in the first 90 days: Bank of America Travel Rewards
- $200 bonus cash for spending $500 in the first 90 days: Bank of America Cash Rewards
- 30,000 bonus miles for spending $1,000 in the first 90 days: Alaska Airlines Credit Card
- 30,000 bonus miles for spending $3,000 in the first 90 days: Asiana Airlines Visa Signature
- $200 bonus cash when you spend $500 in the first 90 days: Susan G. Komen Cash Rewards Visa
- $200 bonus cash when you spend $500 in the first 90 days: World Wildlife Fund Visa
If you’re looking for the biggest Bank of America credit card bonus, it’s definitely the $500 in points offered by the BofA Premium Rewards card. But that isn’t necessarily the best value.
The Premium Rewards bonus is worth 16% of what you spend to get it. But the BofA Travel Rewards card’s $250 bonus is worth 25% of what you spend. And the Cash Rewards card’s $200 bonus is worth 40% of the $500 you have to spend.
How much is the Bank of America balance transfer fee? Reply
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.