Bank of America Credit Cards

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Bank of America® credit cards are a diverse bunch. There are Bank of America® credit cards for people of all credit levels. Many offer rewards, 0% intro AP … show moreshow less

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Bank of America® Cash Rewards Credit Card

1,170 Reviews

Purchase Intro APR

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0% for 12 billing cycles

Transfer Intro APR

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0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days See details for transfer fee

Regular APR

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14.99% - 24.99% Variable

Annual Fee

None

Rewards Rate

1 - 3% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Excellent

Apply Now

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Rewards Details

$150 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%

Additional Info

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

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BankAmericard® Credit Card

506 Reviews

Purchase Intro APR

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0% for 15 billing cycles

Transfer Intro APR

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0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days See details for transfer fee

Regular APR

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14.74% - 24.74% Variable

Annual Fee

None

Rewards Rate

None

Minimum Credit

Excellent

Apply Now

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Additional Info

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

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Bank of America® Travel Rewards Credit Card

1,128 Reviews

Purchase Intro APR

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0% for 12 billing cycles

Transfer Intro APR

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Not Offered

Regular APR

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16.74% - 24.74% Variable

Annual Fee

None

Rewards Rate

1.5 points / $1

Rewards Bonus

20,000 points

Rewards Bonus

20,000 points

Minimum Credit

Excellent

Apply Now

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Rewards Details

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
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 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%

Additional Info

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

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Bank of America® Premium Rewards® Credit Card

2 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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17.74% - 24.74% Variable

Annual Fee

$95

Rewards Rate

1.5 - 2 points / $1

Rewards Bonus

50,000 points

Rewards Bonus

50,000 points

Minimum Credit

Excellent

Apply Now

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Rewards Details

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

Additional Info

No Foreign Transaction Fees
Low $95 annual fee
See More Details & Reviews About TheBank of America® Premium Rewards® Credit Card

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BankAmericard® Secured Credit Card

432 Reviews

Secured Credit Card

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Min Deposit of $300

One-Time Fees

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None

Regular APR

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21.99% (V)

Annual Fee

$39

Monthly Fee

None

Minimum Credit

Bad

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Additional Info

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®, Android Pay™ or Samsung Pay.
See More Details & Reviews About TheBankAmericard® Secured Credit Card

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Last Updated On: May 24, 2018

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 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.

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. We encourage everyone to share...show moreshow less

Anonymous

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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Popular Questions

Which is the best Bank of America Credit Card?

Here Are 2018’s Best Bank of America Credit Cards:

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?