Bank of America Credit Cards
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Best Bank of America Credit Cards
BankAmericard® credit card BankAmericard® credit card

- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% 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
- See More Details & Reviews About TheBankAmericard® credit card
Bank of America® Cash Rewards credit card Bank of America® Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards 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
- 25,000 online bonus points after 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout
- If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 14.99% - 22.99% Variable APR will apply
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Travel Rewards credit card
Bank of America® Premium Rewards® credit card Bank of America® Premium Rewards® credit card

- Receive 50,000 online 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 member, you can earn 25%-75% more points on every purchase
- No limit to the points you can earn and your points don't expire
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center
- Get up to $100 in Airline Incidental Credits annually and TSA Pre✓ ®/Global Entry Statement Credits of up to $100, every four years
- No Foreign Transaction Fees
- Low $95 annual fee
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Premium Rewards® credit card
American Chemical Society Credit Card American Chemical Society Credit Card

- $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Earn 1% back on purchases, 2% back at grocery stores and wholesale clubs and 3% back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement / furnishings) for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Preferred Rewards members earn 25%-75% more cash back on every purchase.
- Rewards are automatic and do not expire. Go to Online Banking to change your choice category for future purchases, or it stays the same.
- 0% Introductory APR for 12 months on balance transfers made 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.
- 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 TheAmerican Chemical Society Credit Card
American Medical Student Association Credit Card American Medical Student Association Credit Card

- $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Earn 1% back on purchases, 2% back at grocery stores and wholesale clubs and 3% back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement / furnishings) for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Preferred Rewards members earn 25%-75% more cash back on every purchase.
- Rewards are automatic and do not expire. Go to Online Banking to change your choice category for future purchases, or it stays the same.
- 0% Introductory APR for 12 months on balance transfers made 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.
- 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 TheAmerican Medical Student Association Credit Card
PGA Tour Credit Card PGA Tour Credit Card

- Get a $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Receive two (2) tickets to the PGA TOUR® event of your choice if you make at least $95 in transactions in the first 90 days of account opening.
- Earn 1% back on purchases, 2% back at grocery stores and wholesale clubs and 3% back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement / furnishings) for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
- Get 20% off golf shop merchandise and discounted green fees.
- Exclusive Access to TPC® golf courses: Receive VIP Member treatment and other membership amenities. You and three (3) friends will receive VIP membership amenities, i.e. special booking windows; no hotel stay required.
- Preferred Rewards members earn 25%-75% more cash back on every purchase.
- Go to the Mobile Banking app or to Online Banking to change your choice category for future purchases once each calendar month, or make no change and it stays the same.
- $0 Liability Guarantee covers fraudulent transactions made by others using your account.
- Overdraft Protection.
- See More Details & Reviews About ThePGA Tour Credit Card
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Best Bank of America Credit Cards of 2021

Bank of America® Cash Rewards credit card
The best Bank of America credit card is the Bank of America® Cash Rewards credit card 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, including a $200 bonus for spending $1,000 in the first 90 days. Applicants do need excellent credit for approval, however, which means a credit score of 750 or higher.
Bank of America® Cash Rewards Secured Credit Card
The best Bank of America credit card for bad credit is the Bank of America® Cash Rewards Secured Credit Card because it has a $0 annual fee and reports to the major credit bureaus monthly. The Bank of America Secured Card also offers rewards of 1 - 3% cash back.
Bank of America® Travel Rewards Credit Card for Students
The best Bank of America credit card for students is the Bank of America® Travel Rewards Credit Card for Students because of its $0 annual fee, ongoing rewards rates of 1.5 - 3 points per $1, and sizable initial bonus. The Bank of America® Travel Rewards Credit Card for Students offers 25,000 points to new cardholders who spend $1,000 within 90 days.
Students who would prefer cash back rewards also have an excellent option in the Bank of America® Cash Rewards Credit Card for Students.
BankAmericard® credit card
The best Bank of America credit card for 0% APR is the BankAmericard® credit card because it offers 0% for 12 billing cycles on purchases and 0% for 12 billing cycles for any balance transfers made in the first 60 days. The BankAmericard credit card also has a $0 annual fee and a balance transfer fee of 3% (min $10).
Business Advantage Cash Rewards Credit Card
The best Bank of America credit card for business is the Business Advantage Cash Rewards Credit Card 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 Business Advantage Cash Rewards Credit Card gives 1 - 3% cash back on purchases normally. Cardholders even get to choose one of their bonus rewards categories.
Asiana Credit Card
The best Bank of America credit card for airline miles is the Asiana Credit Card. 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.
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 Compared
Credit Card | Best For | Annual Fee | Min. Credit Required |
Bank of America® Cash Rewards credit card | Cash Back | $0 | Excellent |
Bank of America® Cash Rewards Secured Credit Card | Building Credit | $0 | Bad |
Bank of America® Travel Rewards Credit Card for Students | College Students | $0 | Limited History |
BankAmericard® credit card | 0% APR | $0 | Excellent |
Business Advantage Cash Rewards Credit Card | Small Business | $0 | Excellent |
Asiana Credit Card | Airline Miles | $99 | Good |
If you don’t know where your credit stands, you can check your latest credit score for free on WalletHub.
Questions & Answers
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Featured Credit Cards
Ask the Experts
- Is it too good to be true for a student card to offer a 0% introductory APR, intro balance transfer fee and no annual fee, like the BankAmericard Credit Card for Students?
- 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 BofA’s position in the credit card market?
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Veneta Sotiropoulos
Associate Professor of Marketing at School of Management, New York Institute of Technology
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Constantine Yannelis
Assistant Professor of Finance at University of Chicago Booth School of Business
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Marcia H. Flicker
Associate Professor of Marketing at Gabelli School of Business, Fordham University
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