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WalletHub 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 are available to people of all credit levels. Many Bank of America credit cards offer rewards, 0% intro APRs and/or no annual fees.... show more... show more
4 Best Bank of America Credit Cards (June 2023)
- Winner: Bank of America® Customized Cash Rewards credit cardBank of America® Customized Cash Rewards credit cardLearn MoreLearn Moreon issuer's website
- Intro APR Offer: BankAmericard® credit cardBankAmericard® credit cardLearn MoreLearn Moreon issuer's website
- Small Business: Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit cardBank of America® Business Advantage Customized Cash Rewards Mastercard® credit cardLearn MoreLearn Moreon issuer's website
- Building Credit: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
FILTER BANK OF AMERICA CREDIT CARDS
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- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
- $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
- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
- Balance transfer fee of 3%
- Very high regular APR
- Excellent credit required
- 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
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
Best Bank of America Credit Cards in 2023
Bank of America® Customized Cash Rewards credit card
Why We Like It: The Bank of America® Customized Cash Rewards credit card is the best Bank of America credit card overall 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.
For example, you can get a $200 bonus for spending $1,000 in the first 90 days. Plus, there’s currently an introductory APR offer of 0% for 18 billing cycles.
What We Don’t Like: This card has a high regular APR - 17.99% - 27.99% Variable - and requires excellent credit for approval.
Who Should Get It: Consider applying for this card if you have a credit score of 750 or higher and your spending habits match up well with the card’s bonus rewards. It’s an especially good option if you also do your banking with Bank of America, as you’ll earn extra rewards.
Alternatives to Consider: Chase Freedom Unlimited® and the Wells Fargo Active Cash® Card are great all-around credit cards, and both are available to people with good credit or better.
BankAmericard® credit card
Why We Like It: The BankAmericard® credit card is the best Bank of America credit card for low interest rates because it offers introductory APRs of 0% for 21 billing cycles on purchases and 0% for 21 billing cycles for any balance transfers made in the first 60 days. The BankAmericard credit card also has a $0 annual fee.
What We Don’t Like: There is a balance transfer fee of 3%. Plus, the card’s regular APR is 15.99% - 25.99% Variable.
Who Should Get It: Consider applying for this Bank of America credit card if you want to avoid interest charges for a long time. You can use WalletHub’s credit card payoff calculator to estimate your savings.
Alternatives to Consider: The Wells Fargo Reflect® Card also has some of the best credit card rates available right now, and you only need good credit to qualify.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Why We Like It: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is the best Bank of America credit card for business 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.
What We Don’t Like: You need excellent credit personally to qualify for this business credit card.
Who Should Get It: Small business owners with excellent credit should consider this card if its bonus rewards match up well with their company’s spending habits.
Alternatives to Consider: The Ink Business Preferred® Credit Card and the Ink Business Cash® Credit Card are two of the best business credit cards for rewards.
Bank of America® Unlimited Cash Rewards Secured Credit Card
Why We Like It: The Bank of America® Unlimited Cash Rewards Secured Credit Card is the best Bank of America credit card for bad credit because it has a $0 annual fee and reports to the major credit bureaus monthly. The Bank of America Unlimited Cash Secured Card also offers rewards of 1.5% cash back.
What We Don’t Like: Your spending limit equals the amount of your security deposit, which has to be at least $200. Plus, carrying a balance from month to month would get expensive fast, thanks to the card’s high APR.
Who Should Get It: Consider applying for this Bank of America credit card if you want to repair damaged credit.
Alternatives to Consider: The Capital One Quicksilver Secured Cash Rewards Credit Card and the Discover it® Secured Credit Card also have great rewards for people with bad credit.
Bank of America® Travel Rewards credit card for Students
Why We Like It: The Bank of America® Travel Rewards credit card for Students is the best Bank of America credit card for students because of its $0 annual fee, ongoing rewards rates of 1.5 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.
What We Don’t Like: This card could have a high regular APR.
Who Should Get It: Consider applying for this card if you’re a student with enough income to afford monthly bill payments.
Alternatives to Consider: 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
Why We Like It: The Asiana Credit Card is the best Bank of America credit card for airline miles. 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.
What We Don’t Like: This card has a $99 annual fee and a fairly high APR.
Who Should Get It: Consider applying for this card if you frequently fly with Asiana or its partner airlines.
Alternatives to Consider: The Delta SkyMiles® Gold American Express Card and the Capital One Venture Rewards Credit Card are two of the best rewards cards for frequent flyers.
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® Unlimited 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.
Why People Trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best Bank of America credit cards.
About the Author
John S Kiernan
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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What are the Bank of America credit score requirements? Reply
The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from Bank of America with a bad credit score, for example.
Bank of America Credit Score Requirements by Card
- Bank of America® Customized Cash Rewards Secured Credit Card: 300 (Bad credit)
- Bank of America® Unlimited Cash Rewards Secured Credit Card: 300 (Bad credit)
- BankAmericard® Secured Credit Card: 300+ (Bad credit)
- Bank of America® Travel Rewards credit card for Students: 750+ (Excellent)
- Bank of America® Unlimited Cash Rewards credit card for Students: 750+ (Excellent)
- Bank of America® Customized Cash Rewards credit card for Students: 750+ (Excellent)
- Bank of America® Premium Rewards® credit card: 750+ (Excellent credit)
- BankAmericard® credit card: 750+ (Excellent credit)
- Bank of America® Travel Rewards credit card: 750+ (Excellent credit)
- Bank of America® Customized Cash Rewards credit card: 750+ (Excellent credit)
- Bank of America® Unlimited Cash Rewards credit card: 750+ (Excellent credit)
- Bank of America® Premium Rewards® Elite Credit Card: 750+ (Excellent credit)
Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
You should also note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Bank of America credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
How hard is it to get a Bank of America credit card? Reply
It is not very hard to get a Bank of America credit card because the issuer offers cards for people with bad credit or better. One of the easiest credit cards to get from Bank of America is the Bank of America® Customized Cash Rewards Secured Credit Card. The card is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other Bank of America credit cards, too.
Minimum Credit Score for Notable Bank of America Credit Cards
What will my Bank of America credit card limit be? Reply
Your Bank of America credit card limit will vary based on your creditworthiness. The lowest credit limit Bank of America would approve a card for is $200, which is the minimum deposit requirement for the BankAmericard® Secured Credit Card. Other Bank of America credit limits could start out much higher. The Bank of America® Premium Rewards® credit card, for instance, offers a $1,500 minimum credit limit for approved applicants.
Generally, cardholders with at least good credit have a better chance at receiving higher credit limits. Your actual credit limit will be determined based...
What are my Bank of America credit card approval odds? Reply
Your Bank of America credit card approval odds are high if you have a credit score of 750 or higher in most cases. This means Bank of America credit cards usually require excellent credit for approval. You can also check for Bank of America pre-approval to get a better sense of your approval odds.
The Bank of America credit card with the highest approval odds is the Bank of America Custom Cash Secured Card, which you can get with bad credit. If you're in college, you may get...
What are the best credit cards?
The best credit cards can save cardholders $300 to $650+ per year, compared to the average offer, thanks to uniquely valuable rewards, low rates and fees, and various special features. The key to finding the best credit card is to determine which features are most important to you, then compare offers in search of the best deal.
Best Credit Cards of 2023
WalletHub’s picks for 2023's best credit cards include cards for people of all credit levels. They also feature big initial bonuses, rich ongoing rewards and 0% intro rates. Keep reading to learn more about 2023's best credit card offers, which are listed by credit rating below.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. Please keep in mind that while some offers may come from WalletHub advertising partners, sponsorship status played no role in card selection.
What are the easiest credit cards to get approved for?
Secured credit cards are the easiest credit cards to get approved for when you have bad credit or no credit because they require a refundable security deposit that protects the issuer. Secured cards have annual fees as low as $0, report monthly to the 3 major credit bureaus, and often give rewards of 1% or more. To help people with no credit or bad credit maximize their odds of approval for a credit card, WalletHub’s editors compared the approval requirements for more than 1,500 credit card offers, along with their fees, rates and rewards.
Easiest Credit Cards to Get Approved For
- Easiest to Get: OpenSky® Plus Secured Visa® Credit CardOpenSky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best Unsecured: Credit One Bank® NASCAR® Credit CardCredit One Bank® NASCAR® Credit CardLearn MoreLearn More
- Best for No Annual Fee: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best for Cash Back: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
- Best for Students: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn More
- Best for No Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
It’s important to get a good credit card because credit cards are the best credit-building tools available to us. They all report information to the major credit bureaus on a monthly basis, and unlike loans, they don’t require you to incur any debt. Some credit cards are much easier to get approved for than others, though. You can learn all about the best easy approval credit cards below.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. Please keep in mind that while some offers may come from WalletHub advertising partners, sponsorship status played no role in card selection.
What are the best instant approval credit cards?
The best instant approval credit cards offer really good rewards, low interest promotions and low fees, in addition to approving qualified applicants within minutes. Instant approval credit cards will evaluate applications in real time so that most people are able to get a decision – either approved or denied – right away. Getting an instant decision ultimately depends on the credit card company’s ability to validate your identity (some offers are from WalletHub partners). If a credit card issuer is unable to validate your identity, they may request additional information and take a few days to process the application.
The cards listed below offer high approval odds for people with bad credit, in addition to instant approval for some applicants. After all, people typically search for instant approval credit cards when they’re having trouble getting other cards due to damaged credit, and using a credit card responsibly is the key to rebuilding credit.
If you want to increase your odds of getting instant approval, focus on cards that are suitable for your credit standing. The higher your credit score is, the more instant approval credit cards there will be.
Best Instant Approval Credit Cards (2023)
- No Credit Check Approval: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesRewards: Discover it® Secured Credit CardDiscover it® Secured Credit CardLearn MoreLearn Moreon issuer's website
- Bad Credit: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
- Good Credit: Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit CardLearn MoreLearn More
- No Deposit: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Featured Credit Cards
Expert Opinions
- 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 Bank of America’s position in the credit card market?
Chair, Responsible Research in Business and Management (RRBM), The William S. Woodside Professor and Professor of Marketing, The Wharton School, University of Pennsylvania
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Director and Regents Professor, Washington State University, School of Economic Sciences
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Associate Professor of Marketing, Academic Integrity Facilitator, School of Business – Camden, Rutgers University
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Ph.D., Assistant Professor of Marketing, Economics and Marketing Department, Romain College of Business, University of Southern Indiana
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Ph.D., Professor of Marketing, College of Business and Economics, California State University, East Bay
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Ph.D., Assistant Professor, Department of Marketing and Entrepreneurship, University of Nebraska Omaha - College of Business Administration
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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