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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.
BANK OF AMERICA CREDIT CARDS
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Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card

- 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
Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card

- $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
BankAmericard® credit card BankAmericard® credit card

- Low balance transfer intro APR for 18 billing cycles
- Low purchase intro APR for 18 billing cycles
- No annual fee
- $100 initial rewards bonus
- Balance transfer fee of 3% (min $10)
- Very high regular APR
- Excellent credit required
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card

- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
Bank of America® Premium Rewards® credit card Bank of America® Premium Rewards® credit card

- 50,000 bonus points
- 2 points on travel and dining
- Extra points for Preferred Rewards clients
- $0 foreign fee
- Up to $200 in air travel credits
- $95 annual fee
- Very high regular APR
- Requires excellent credit
Brown University Credit Card Brown University Credit Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
University of California Irvine Credit Card University of California Irvine Credit Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
University of Houston Credit Card University of Houston Credit Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Northeastern University Credit Card Northeastern University Credit Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
American Medical Student Association Credit Card American Medical Student Association Credit Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Best Bank of America Credit Cards in 2022

Bank of America® Customized Cash Rewards credit card
The best Bank of America credit card is the Bank of America® Customized 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.
BankAmericard® credit card
The best Bank of America credit card for 0% APR is the BankAmericard® credit card because it offers introductory APRs of 0% for 18 billing cycles on purchases and 0% for 18 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). The card’s regular APR is 15.24% - 25.24% Variable. Plus, the card offers $100 statement credit for spending $1,000 in the first 90 days of account opening.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
The best Bank of America credit card for business is the Bank of America® Business Advantage Customized Cash Rewards Mastercard® 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 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.
Bank of America® Customized Cash Rewards Secured Credit Card
The best Bank of America credit card for bad credit is the Bank of America® Customized 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 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® Customized Cash Rewards Credit Card for Students.
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 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® Customized 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.
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
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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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?
Assistant Professor, Lehigh University - College of Business
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Co-founder and Managing Partner at Metaforce and New York University - Leonard N. Stern School of Business Adjunct Professor
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DBA, Ruth Badger Pixley Professor of Social Sciences, Professor of Business Administration, Illinois College
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Ph.D., Assistant Professor of Data Science & Marketing, Atkinson Graduate School of Management, Willamette University
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CFA, CFP®, CMA, Executive Director - Golden Griffin Fund, Economics/Finance Department, Canisius College
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Associate Professor of Finance and Economics, Joseph W. Luter, III School of Business, Associate Director, Public History Center, Christopher Newport University
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