If you’re interested in a Bank of America credit card, you could easily go to BofA’s website, compare their offers and submit an application. What you wouldn’t get, however, are unbiased reviews from fellow consumers and a complete picture of the market derived from a comparison of Bank of America’s cards to offers from other major issuers. That’s where WalletHub’s insights and comparison tools come into play. OK, so you’re interested in a Bank of America credit card? But while you may think you know exactly what you want, there’s no way to know for sure without reading customer reviews or Bank of America’s cards to offers from other major issuers. So, check out the following Bank of America credit card offers, ask questions in theCommunity Discussionsection and compare the most promising offers to ourEditor’s Best selections– chosen from more than 1,000 total offers for their market-leading terms. Just make sure to find a card that corresponds to your credit standing and individual financial needs. Once you’ve identified this particular offer, we will redirect you to the issuer’s secure website so you can submit an online application.…show moreshow less
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Get a $150 cash rewards bonus after making $500 in purchase(s) within the first 90 days.
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.
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
From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3.0 million in conjunction with its Pink Ribbon Credit Card and checking program. Susan G. Komen® has received more than $7 million from Bank of America from this program since 2009.
For each new Susan G. Komen®-branded credit card account opened and activated, Komen receives $3, 0.08% of all retail purchases made with the card and $3 for each card renewal
ShopSafe® - Add an extra layer of protection when you shop online
Online-exclusive $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
Earn 1% cash back on every purchase, 2% on groceries and wholesale clubs, and 3% on gas. The 2% on groceries and wholesale clubs and 3% on gas applies to the first $2,500 in purchases from these combined categories, each quarter. After that, the base 1% earn rate applies to those purchases.
Choose how you want to receive your cash. Redeem as a direct deposit into a Bank of America® checking or savings account or receive a statement credit.
No expiration on rewards and no changing categories to follow so you know how you're earning rewards.
Get a 10% customer bonus every time you redeem into a Bank of America® checking or savings account.
Additional Info
Paperless Statement Option: Opt for paperless credit card statements and increase account security while reducing paper consumption.
Overdraft Protection: An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your Bank of America® checking account to your credit card.
ShopSafe® - add an extra layer of protection when you shop online
$0 Liability Guarantee, which helps protect you from fraudulent card transactions.
Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
Earn 30,000 bonus miles and a round-trip coach Companion Fare on Alaska Airlines or Virgin America from $22 (USD) ($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
Overdraft Protection.
ShopSafe® - add an extra layer of protection when you shop online
Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
Online exclusive 20,000 bonus points offer 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
Overdraft protection - An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your Bank of America® checking account to your credit card.
ShopSafe® - add an extra layer of protection when you shop online.
$0 Liability Guarantee
Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
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.
ShopSafe®: Add an extra layer of protection when you shop online
Get a $150 cash rewards bonus after making $500 in purchase(s) within the first 90 days
1% cash back on purchases, 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.
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
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
Additional Info
Overdraft Protection
ShopSafe® - Add an extra layer of protection when you shop online
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.
By: John Kiernan, Personal Finance EditorThat 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.
2017’s Best Bank of America Credit Card by Category
Are there any special Bank of America credit card benefits?
By: John Kiernan, Personal Finance 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.
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.
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.…read more
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.
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.
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.
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.
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.…read more
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!!
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.…read more
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.…read more
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.…read more
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.
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.…read more
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.…read more
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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.
