Bank of America Credit Cards

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Bank of America credit cards are a diverse bunch. There are BofA credit cards for people of all credit levels. Many offer rewards, 0% APRs and/or no annual fees. Some represent a certain organization, such as a charity, university or airline. And others offer a bonus if you have a BofA bank account. So how do you choose the best Bank of America credit card for your needs? You can find WalletHub’s favorites listed at the bottom of the page, if you want a hint. Reading other people’s reviews can help, too. But it all comes down to your credit standing and … show more show less

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Pink Ribbon™ Credit Card

381 Reviews

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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0% for 12 months 3% (min $10) Transfer Fee

Regular APR

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13.99% - 23.99% (V)

Annual Fee

None

Rewards Rate

1 - 3% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Good

Rewards Details

Get a $150 cash rewards bonus after making $500 in purchase(s) within the first 90 days of account opening
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 store, wholesale and gas purchases each quarter.
As long as your account remains in good standing, cash rewards do not expire.
When your cash rewards balance is $25 or more, you can redeem for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.

Additional Info

0.08% of all retail purchases (less returns) made with the card is contributed by Bank of America to Susan G. Komen®. In addition to $3 at account opening and each anniversary.
Security Benefits: Zero liability protection, Fraud Monitoring, Overdraft Protection and Paperless Statement Option
In order to take advantage of the 0% introductory APR for 12 months on balance transfers, you should submit your balance transfer request within 60 days of account opening.
If your credit line is greater than or equal to $5,000, you will receive a Visa Signature® account, otherwise you will receive a Platinum Plus® account. The benefits for accounts differ.
See More Details & Reviews About ThePink Ribbon™ Credit Card

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BankAmericard Cash Rewards™ Credit Card

1,167 Reviews

bank of america cash rewards credit card

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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0% for 12 months 3% (min $10) Transfer Fee

Regular APR

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13.99% - 23.99% (V)

Annual Fee

None

Rewards Rate

1 - 3% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Excellent

Rewards Details

Online-exclusive $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of account opening.
Earn 1% cash back on every purchase, 2% on groceries and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery store, wholesale clubs and gas purchases each quarter.
When your cash rewards balance is $25 or more, you can redeem for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
As long as your account remains in good standing, cash rewards do not expire.
Get a 10% customer bonus every time you redeem into a Bank of America® checking or savings account.

Additional Info

Security Benefits: Zero liability protection, Fraud Monitoring, Overdraft Protection and Paperless Statement Option
In order to take advantage of the 0% introductory APR for 12 months on balance transfers, you should submit your balance transfer request within 60 days of account opening.
If your credit line is greater than or equal to $5,000, you will receive a Visa Signature® account, otherwise you will receive a Platinum Plus® account. The benefits for accounts differ.
Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Android Pay™ or Samsung Pay.
Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
See More Details & Reviews About TheBankAmericard Cash Rewards™ Credit Card

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Alaska Airlines Credit Card

372 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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Not Offered

Regular APR

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13.24% - 20.24% (V)

Annual Fee

$75

Rewards Rate

1 - 3 miles / $1

Rewards Bonus

30,000 miles

Rewards Bonus

30,000 miles

Minimum Credit

Good

Rewards Details

Earn 30,000 bonus miles and a round-trip coach Companion Fare on Alaska Airlines or Virgin America from $22 ($0 base fare, plus taxes and fees from $22) after you make $1,000 or more in purchases within the first 90 days of account opening.
Every year on your account anniversary get another companion fare from $121 ($99 plus taxes and fees from $22) on Alaska and Virgin America flights booked on alaskaair.com. There are no blackout dates.
Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America purchases, and 1 mile per $1 spent everywhere else which you can redeem for flights on Alaska Airlines and over a dozen of their global airline partners.
Earn up to 5 miles per $1 spent using Mileage Plan Dining
Free checked bag on Alaska and Virgin America flights for you and up to six other passengers on the same reservation.

Additional Info

Security Benefits: $0 Liability Guarantee, ShopSafe® service, Overdraft Protection and Paperless Statement Option.
Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Android Pay™ or Samsung Pay.
Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
If your credit line is greater than or equal to $5,000, you will receive a Visa Signature® account, otherwise you will receive a Platinum Plus® account. The benefits for accounts differ.
See More Details & Reviews About TheAlaska Airlines Credit Card

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BankAmericard® Credit Card

501 Reviews

Purchase Intro APR

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0% for 15 months

Transfer Intro APR

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0% for 15 months No Transfer Fee

Regular APR

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12.99% - 22.99% (V)

Annual Fee

None

Rewards Rate

None

Minimum Credit

Excellent

Additional Info

In order to take advantage of the 0% introductory APR for 15 months on balance transfers, you should submit your balance transfer request within 60 days of account opening.
Security Benefits: Zero liability protection, Fraud Monitoring, Overdraft Protection and Paperless Statement Option
Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Android Pay™ or Samsung Pay.
Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking
See More Details & Reviews About TheBankAmericard® Credit Card

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BankAmericard Travel Rewards Credit Card

1,124 Reviews

bank of america travel rewards credit card

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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Not Offered

Regular APR

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15.99% - 23.99% (V)

Annual Fee

None

Rewards Rate

1.5 - 3 points / $1

Rewards Bonus

20,000 points

Rewards Bonus

20,000 points

Minimum Credit

Excellent

Rewards Details

Online offer: Get 20,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening.
Earn 1.5 points for every dollar spent on purchases - 50% more than the average rewards programs which only offer 1 point per dollar.
Earn 3 points for every dollar spent in net purchases at the Travel Center with no limit on the number of Bonus Points you can earn.
No limit to the total number of points you can earn and points don't expire
Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account.
Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts.

Additional Info

Security Benefits: Zero liability protection, Fraud Monitoring, Overdraft Protection and Paperless Statement Option
Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Android Pay™ or Samsung Pay.
If your credit line is greater than or equal to $5,000, you will receive a Visa Signature® account, otherwise you will receive a Platinum Plus® account. The benefits for accounts differ.
Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
See More Details & Reviews About TheBankAmericard Travel Rewards Credit Card

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UCLA Credit Card

120 Reviews

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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0% for 12 months 3% (min $10) Transfer Fee

Regular APR

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13.99% - 23.99% (V)

Annual Fee

None

Rewards Rate

1 - 3% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Good

Rewards Details

3% cash back on gas, 2% cash back on groceries and wholesale clubs, 1% cash back on every purchase.
Get a $150 cash back bonus after making $500 in purchase(s) within the first 90 days.
Grocery, gas and wholesale bonus rewards apply to the first $2,500 in combined purchases in these categories each quarter.
Choose how you want to receive your cash. Have it deposited into your Bank of America checking or savings account, credited to your statement or sent directly to you.
Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.
Rewards are automatic and do not expire. There's no need to register your card or sign up to earn your cash rewards.

Additional Info

Stay on top of your balances and due dates with several types of customer email or text alerts. Pay your credit card bill online, transfer funds, check available credit and more.
In order to take advantage of the 0% introductory APR for 12 months on balance transfers, you should submit your balance transfer request within 60 days of account opening.
If your credit line is greater than or equal to $5,000, you will receive a Visa Signature® account, otherwise you will receive a Platinum Plus® account. The benefits for accounts differ.
See More Details & Reviews About TheUCLA Credit Card

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Florida International University Credit Card

19 Reviews

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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0% for 12 months 3% (min $10) Transfer Fee

Regular APR

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13.99% - 23.99% (V)

Annual Fee

None

Rewards Rate

1 - 3% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Good

Rewards Details

3% cash back on gas, 2% cash back on groceries and wholesale clubs, 1% cash back on every purchase.
Online-exclusive $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
Grocery, gas and wholesale bonus rewards apply to the first $2,500 in combined purchases in these categories each quarter.
Choose how you want to receive your cash. Have it deposited into your Bank of America checking or savings account, credited to your statement or sent directly to you.
Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.

Additional Info

If your credit line is greater than or equal to $5,000, you will receive a Visa Signature® account, otherwise you will receive a Platinum Plus® account. The benefits for accounts differ.
In order to take advantage of the 0% introductory APR for 12 months on balance transfers, you should submit your balance transfer request within 60 days of account opening.
Stay on top of your balances and due dates with several types of customer email or text alerts. Pay your credit card bill online, transfer funds, check available credit and more.
See More Details & Reviews About TheFlorida International University Credit Card

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Last Updated On: Sep 26, 2017

Which is the best Bank of America Credit Card?

By: John Kiernan, Credit Card Editor Best BoA 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 2017’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	BankAmericard Cash Rewards™ Credit Card	$0	Excellent
0% Intro Rate	BankAmericard® Credit Card	$0	Excellent
College Students	BankAmericard Travel Rewards® for Students Credit Card	$0	Limited
Small Business	Business Advantage Cash Rewards Mastercard® Credit Card	$0	Excellent

If you don’t know where your credit stands, you can check your latest credit score for free on WalletHub.

Are there any special Bank of America credit card benefits?

By: John Kiernan, Credit Card Editor

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

14th – Rental Car Insurance

You can learn more about Bank of America and browse customer reviews on its WalletHub details page.

How do I reach Bank of America credit card customer service?

By: John Kiernan, Credit Card Editor

Bank of America’s credit card customer service phone number is 800-732-9194. You can also send them a direct message on Twitter: @BofA_Help. Finally, for questions that don’t involve personal information, you can ask the WalletHub community.

How do I check the status of my BofA credit card application?

By: John Kiernan, Credit Card Editor

You can easily check the status of your Bank of America credit card application using the tool on BofA’s website. You can also check by calling Bank of America customer service at 800-732-9194.

Comparing Bank of America Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so 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.

@

August 30, 2017

I called Bank of America customer service to inquire about my credit card. After I answered all the representative questions because I did not give him street, avenue or road after the street name he told me me I did not Identify myself properly. I mentioned to him that some people put Ave., Street or nothing after and I still get my mail so I did not know which one they had. But the kicker was when I asked to be transferred to a manager, she (Natalie Lehmann out of Atlanta Georgia) refused to get on the phone with me, a long time credit card customer because of the words Street or Avenue. She told her subordinate that I wasn't properly identified after I answered all of his questions.

Andy Santos @andys7

September 19, 2015

I have used the BankAmericard Cash Rewards™ Credit Card before. The best $100 back once you make a purchase of over $500. So it’s a good card to use if you are about to make a big purchase. You are essentially getting $100 off.

Sophia @whocares

July 28, 2015

I've been a Bank of America customer for several years now and decided to apply for a card while rebuilding my credit. I figured that it would help that we already have a prior relationship, and I wanted the card solely as a means of building better credit. I qualified for the Better Balance Rewards card, which gives me $30 every quarter so long as I pay more than the minimum monthly balance every month. This is easy for me since I mainly just use it to buy lunch or coffee a couple times a month. When I first qualified, I also got a year at 0% APR, which was helpful when I had an emergency auto repair.

Ana Wiechers @anaw1

July 27, 2015

I have the Bank of America Cash Rewards Credit Card because of the versatility of the rewards. I like that it gives 1% back on everything and 2-3% back on specific categories. I find the categories are usually broad enough for me to utilize them. I think it's easy to redeem the points and it's nice to be able to put it towards the bill.

Taylor Makerson @taylorm7

June 25, 2015

I have the standard Bank of America Cash Rewards Credit Card through MasterCard and I love it. The monthly payment is low, and you get a decent amount cash back. I would recommended it for a first time credit card. My experience with Bank of America has been really great, they have answered all my questions from the start and made it very clear what the credit card offered.

Casey Scheld @caseys_7

June 25, 2015

I originally got the BankAmericard Travel Rewards Credit Card about two years ago when I first signed up at Bank of America. The reward bonus of 10,000 points really stuck out to me, as did the return rate on the bonus points for each qualifying purchase. I recommend it greatly.

Jenny Green @jennyg4

June 20, 2015

I chose the BankAmericard Cash Rewards Credit Card because of the rewards. I wanted a card that gave me cashback as I pretty much use my credit card for everything nowadays. I’ve had the card for a few months now and I like it a lot. I get anywhere between 1 to 3 % in cashback depending on what I purchase.

Isaac Claudio @isaacc_3

May 29, 2015

I have the BankAmericard for Master Card and have had it for a few years. It was my first credit card I initially got as a college student. I didn't have the best credit and out of the cards I could choose from, I decided to go with this one because I also use Bank of America for my checking. The card has been every thing it has promised and helped me build my credit. Although I don't have a high limit or any rewards, it was an excellent starting credit card for myself.

Julia Pehoua @juliap_2

January 20, 2015

Hi ! Km a student. I already have a debit card but I need a Credit card to start building my credit. I really dont know wich one to choose. Help please!!

James Jasso @jamesj_36

October 8, 2014

I have had a Bank of America Visa for about three years now and its been a great card overall. I first got it back in 2011 while at a Bank of America doing some homeowner transfers and money transactions. Then the branch manager told me about it and I said sign me up. Some of the features I like are the 0% for 15 months intro rate and the 35 dollar max late fee and the customer service I get when I call them. I had to call to get it replaced when I lost it and my wallet in Oklahoma for a weekend. They were nice and I got it taken care of in less that 15 minutes, which in my opinion was amazing. So bottom line even though the rates are great and the perks are awesome, what puts this over the top was the amazing customer service. All I can say is thanks for the experience Bank of America and for actually caring about taking care of the customer.

William B @wbutton

March 21, 2014

I was initially interested in the credit cards offered by Bank of America now that I've had a good experience with them for a while. I saw a few that had higher interest rates from other banks, so I decided to go with Bank of America. I have the Rewards Visa and I'm really happy with it. The interest rate is reasonable and I've never had a problem speaking to customer service about the card. It's very nice to have another option besides my debit card in my wallet to use. I pay it off regularly and use it regularly. I couldn't be happier with it.

Christine Helton @ChristineDakerHelton

June 9, 2014

I have to disagree on their customer service. It's a very involved process to get to a live person and the hold times can be extremely long.

Seth Hughes @seth2207

February 7, 2014

I got the Bank of America Rewards Visa a few months ago. I am very happy with it. I initially applied for it because I had a large balance to transfer over and wanted to avoid paying high interest. This card had the longest time frame for interest free payments. Transfers were interest free for 18 months! I also highly suggest this card if you have a checking account at Bank of America. It makes paying your bill online much easier. You can simply transfer an amount from a checking or savings and the payment applies immediately. This is my favorite card out of all the cards I own. They were generous with my credit line and the service is fantastic. I would change nothing.

Jonathan Steinklein @jsteinklein

February 1, 2014

I have a Bank of America card that works as both a credit and debit card. It is really convenient and helps me pay for purchases if I don't have enough money in my debit card. As a student, I don't have to pay fees on it so it's great.

Julia Pehoua @juliap_2

January 20, 2015

Wich card do you have? I m a student as well i already have a debit card so I wanted to know wich on si better

Robert James @robertjamesofficial

January 19, 2014

I applied for a Bank of America card just to have an extra one in case I needed it. I was not totally pleased with it, despite some of the cash back extras. My credit was good enough to be accepted, but unlike Discover which I like, I did not feel the customer service was all that great. Furthermore, you have to apply at a branch which is very inconvenient. The online presence of the company is also lacking, and I found using the site difficult and there were not nearly enough options to take care of my bill properly.

Sarah @Switcherbear

January 13, 2014

I used to bank exclusively at Bank of America, so I went ahead and got a credit card with them. I opted for the BankAmericard Cash Rewards card, mostly because it offered cash back plus extra on gas, and I was buying a lot of gas at the time. The card is... ok. Considering the fact that you have to have almost perfect credit to get it though, I would expect more. The base earn is kind of low for my tastes, and while you can get up to 3 percent back on some purchases, it's mostly fuel. But there are no fees to use the card, which is always a plus. Overall it's an alright card but you can get better ones if you have the credit needed.

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Bank of America Credit Cards

Popular Questions

Which is the best Bank of America Credit Card?

Are there any special Bank of America credit card benefits?

How do I reach Bank of America credit card customer service?

How do I check the status of my BofA credit card application?

Community Discussion

@

Andy Santos @andys7

Sophia @whocares

Ana Wiechers @anaw1

Taylor Makerson @taylorm7

Casey Scheld @caseys_7

Jenny Green @jennyg4

Isaac Claudio @isaacc_3

Julia Pehoua @juliap_2

James Jasso @jamesj_36

William B @wbutton

Christine Helton @ChristineDakerHelton

Seth Hughes @seth2207

Jonathan Steinklein @jsteinklein

Julia Pehoua @juliap_2

Robert James @robertjamesofficial

Sarah @Switcherbear

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