Bank of america credit card no credit

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Bank of america credit card no credit

Best for flat rate cash back

Bank of America® Unlimited Cash Rewards credit card

Bank of america credit card no credit

Our rating:3.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

1.5% Earn unlimited 1.5% cash back on all purchases.

At A Glance

Intro offer

$200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Annual fee

$0

Regular APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Bank of America® Customized Cash Rewards credit card

Bank of america credit card no credit

Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1% Earn unlimited 1% on all other purchases.

At A Glance

Intro offer

$200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Annual fee

$0

Regular APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST FOR BALANCE TRANSFERS

BankAmericard® credit card

Bank of america credit card no credit

Our rating:5.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro offer

No current offer

Annual fee

$0

Regular APR

14.99% - 24.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

More Cards from Bank of America

BEST BUSINESS CREDIT CARD

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Bank of america credit card no credit

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

1.5% Earn unlimited 1.5% cash back on all purchases everywhere, every time.

At A Glance

Intro offer

$300 Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.

Annual fee

$0

Regular APR

15.24% - 25.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Bank of America® Travel Rewards credit card

Bank of america credit card no credit

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

1.5X 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.

At A Glance

Intro offer

25,000 points 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.

Annual fee

$0

Regular APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Bank of America® Premium Rewards® credit card

Bank of america credit card no credit

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

2X Earn unlimited 2 points for every $1 spent on travel and dining purchases
1.5X Unlimited 1.5 points per $1 spent on all other purchases

At A Glance

Intro offer

50,000 points 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

Annual fee

$95

Regular APR

18.99% - 25.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST BANK OF AMERICA CARD FOR BUSINESS TRAVEL

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of america credit card no credit

Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3X Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
1.5X Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.

At A Glance

Intro offer

30,000 points Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.

Annual fee

$0

Regular APR

15.24% - 25.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST BANK OF AMERICA CARD FOR ONLINE BUSINESS SERVICES

Bank of America® Platinum Plus® Mastercard® Business card

Bank of america credit card no credit

Our rating:2.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro offer

$300 Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.

Annual fee

$0

Regular APR

13.24% - 24.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST BANK OF AMERICA BUSINESS CARD FOR FLEXIBLE CASH BACK CATEGORIES

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of america credit card no credit

Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3% 3% cash back in the category of your choice (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
2% 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
1% 1% unlimited cash back on all other purchases.

At A Glance

Intro offer

$300 Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire.

Annual fee

$0

Regular APR

15.24% - 25.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST BANK OF AMERICA BUSINESS CARD FOR MILE TRANSFERS

Alaska Airlines Visa® Business card

Bank of america credit card no credit

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3X Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
1X Earn unlimited 1 mile for every $1 spent on all other purchases.

At A Glance

Intro offer

40,000 miles Get 40,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.

Annual fee

$50 for the company and $25 per card

Regular APR

18.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST FOR FREQUENT ALASKA AIRLINES FLYERS

Alaska Airlines Visa Signature® credit card

Bank of america credit card no credit

Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3X Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
1X Unlimited 1 mile for every $1 spent on all other purchases.

At A Glance

Intro offer

Limited Time Online Offer - 50,000 Bonus Miles Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.

Annual fee

$75

Regular APR

18.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Bank of America® Travel Rewards credit card

Bank of america credit card no credit

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

1.5X 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.

At A Glance

Intro offer

25,000 points 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.

Annual fee

$0

Regular APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

More travel cards from Bank of America

Bank of America® Premium Rewards® credit card

Bank of america credit card no credit

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

2X Earn unlimited 2 points for every $1 spent on travel and dining purchases
1.5X Unlimited 1.5 points per $1 spent on all other purchases

At A Glance

Intro offer

50,000 points 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

Annual fee

$95

Regular APR

18.99% - 25.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Alaska Airlines Visa Signature® credit card

Bank of america credit card no credit

Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3X Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
1X Unlimited 1 mile for every $1 spent on all other purchases.

At A Glance

Intro offer

Limited Time Online Offer - 50,000 Bonus Miles Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.

Annual fee

$75

Regular APR

18.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of america credit card no credit

Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3X Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
1.5X Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.

At A Glance

Intro offer

30,000 points Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.

Annual fee

$0

Regular APR

15.24% - 25.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Alaska Airlines Visa® Business card

Bank of america credit card no credit

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3X Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
1X Earn unlimited 1 mile for every $1 spent on all other purchases.

At A Glance

Intro offer

40,000 miles Get 40,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.

Annual fee

$50 for the company and $25 per card

Regular APR

18.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Bank of America® Customized Cash Rewards credit card

Bank of america credit card no credit

Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1% Earn unlimited 1% on all other purchases.

At A Glance

Intro offer

$200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Annual fee

$0

Regular APR

16.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

More cash back cards from Bank of America

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of america credit card no credit

Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3% 3% cash back in the category of your choice (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
2% 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
1% 1% unlimited cash back on all other purchases.

At A Glance

Intro offer

$300 Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire.

Annual fee

$0

Regular APR

15.24% - 25.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of america credit card no credit

Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3% 3% cash back in the category of your choice (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
2% 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
1% 1% unlimited cash back on all other purchases.

At A Glance

Intro offer

$300 Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire.

Annual fee

$0

Regular APR

15.24% - 25.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

More business cards from Bank of America

Bank of America® Platinum Plus® Mastercard® Business card

Bank of america credit card no credit

Our rating:2.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro offer

$300 Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.

Annual fee

$0

Regular APR

13.24% - 24.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of america credit card no credit

Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3X Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
1.5X Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.

At A Glance

Intro offer

30,000 points Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.

Annual fee

$0

Regular APR

15.24% - 25.24% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Alaska Airlines Visa® Business card

Bank of america credit card no credit

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

3X Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
1X Earn unlimited 1 mile for every $1 spent on all other purchases.

At A Glance

Intro offer

40,000 miles Get 40,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.

Annual fee

$50 for the company and $25 per card

Regular APR

18.99% - 26.99% Variable APR on purchases and balance transfers

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

  • Our top picks
  • Bank of America credit card details
  • What is Bank of America?
  • What credit score is needed?
  • How to choose a Bank of America card
  • What are the benefits?
  • Is a Bank of America card worth it?
  • Our methodology


Comparing the best Bank of America credit cards

No matter your needs, you can choose from Bank of America’s wide variety of credit cards. See below for a glance at the top offers:

Credit CardBest For:Annual FeeCreditCards.com Rating
Bank of America® Unlimited Cash Rewards credit card Flat rate cash back $0 3.3 / 5
Bank of America® Customized Cash Rewards credit card Cash back $0 4.2 / 5
BankAmericard® credit card Balance transfers $0 4.5 / 5
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Business credit card $0 3.4 / 5
Bank of America® Travel Rewards credit card Travel $0 3.7 / 5
Bank of America® Premium Rewards® credit card Sign-up bonus $95 4.1 / 5
Bank of America® Business Advantage Travel Rewards World Mastercard® credit
card
Business travel purchases $0 3.2 / 5
Bank of America® Platinum Plus® Mastercard® Business card Low interest rate $0 2.6 / 5
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit
card
Cash back on business expenses $0 3.4 / 5
Alaska Airlines Visa® Business card Airline miles for your business $50 for the company and $25 per card 4.1 / 5
Alaska Airlines Visa Signature® credit card Frequent Alaska Airlines flyers $75 3.8 / 5

Editor’s picks: A closer look at our top-rated Bank of America credit cards

Best for flat rate cash back: Bank of America® Unlimited Cash Rewards credit card

  • Best features: The sign-up bonus of $200 online cash rewards after making at least $1,000 in purchases in the first 90 days of account opening is both affordable and worthwhile. The no annual fee card also comes with a lengthy introductory 0% APR on balance transfers made in the first 60 days and purchases for 18 billing cycles (16.99% to 26.99% variable APR after).
  • Biggest drawbacks: Being a Bank of America member goes a long way here, and in order to be eligible for Preferred Rewards you’ll need at least $20,000 across Bank of America and/or Merrill accounts. If you’re not looking to commit to that level, this card loses out on lots of value.
  • Alternatives: Not only does the Chase Freedom Unlimited® card’s cash back rate on general purchases (1.5%) match that of the Unlimited Cash Rewards card, but it also offers bonus cash back year-round on travel booked with Chase, dining and drugstore purchases.
  • Bottom line: Bank of America members will be nicely rewarded when carrying this new rewards card. Get unlimited 1.5% cash back no matter the purchase category. Existing Bank of America customers have the opportunity to boost their earnings even more (Preferred Rewards members earn 25% to 75% more cash back on every purchase).

Read our Bank of America® Unlimited Cash Rewards credit card review or jump back to this card’s offer details.

Best for cash back: Bank of America® Customized Cash Rewards credit card

  • Best features: This no annual fee card comes with a valuable sign-up bonus opportunity: Cardholders earn $200 in online cash rewards when they spend $1,000 in their first 90 days. Plus, there’s a 0% intro APR on new purchases and on balance transfers completed within the first 60 days: 18 billing cycles, then 16.99% to 26.99% variable. Bank of America members can also take advantage of the valuable boosts available through Preferred Rewards and several Customized Cash Rewards benefits.
  • Biggest drawbacks: The bonus 3% and 2% cash back rates are subject to that $2,500 combined purchase cap each quarter, then 1%. Also, when it comes to redeeming your rewards you’ll be limited to cash back options, like statement credits, checks or direct deposit into a Bank of America checking or savings account.
  • Alternatives: The Citi® Double Cash Card is one of the highest earning flat-rate cards available, and it doesn’t come with an annual fee. The downside is that it doesn’t come with an intro purchase APR either, so you’ll be on the hook for interest on any purchases you make with this card.
  • Bottom line: True to its name, this card allows you to custom-pick your own 3% cash back bonus category. Cardholders can select between gas, online shopping, dining, travel, drug stores or home improvements and furnishing as their high-rate category. The card also features a strong 2% cash back on grocery store and wholesale club purchases to further its everyday impact (up to $2,500 in combined quarterly purchases on your 2% and 3% categories).

Read our full Bank of America Customized Cash Rewards credit card review or jump back to this card’s offer details.

Best for balance transfers: BankAmericard® credit card

  • Best features: Its lengthy balance transfer offer makes it an excellent card for paying down card debt.
  • Biggest drawbacks: The intro APR is attractive, but the balance transfer fee (3% or $10, whichever is greater) isn’t as low as other cards in this category. Another potential deal breaker for some: this card has no rewards program.
  • Alternatives: The Citi Simplicity® Card offers one of the longest introductory APR periods on both balance transfers available. Like with the BankAmericard, you won’t be charged a penalty APR with the Citi Simplicity, but Citi’s competing card goes the extra mile by never charging a late payment fee.
  • Bottom line: Anyone considering a balance transfer will appreciate BankAmericard’s lengthy 0% intro APR lasting 21 billing cycles (then 14.99% to 24.99% variable APR), valid for balance transfers initiated within the first 60 days of account opening. These terms also apply to the purchase APR.

Read our BankAmericard® credit card review or jump back to this card’s offer details.

Best business credit card: Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

  • Best features: The sign-up bonus is relatively easy to qualify for (earn a $300 statement credit after you spend at least $3,000 on net purchases in your first 90 days). There’s an intro APR on purchases: 0% for nine billing cycles, then 15.24% to 25.24% variable APR. There’s no need to track or enroll in bonus categories to maximize earnings.
  • Biggest drawbacks: The card charges a pricey 4% balance transfer fee (or $10, whichever is greater). You’ll also pay a 3% foreign transaction fee. There’s no intro APR offer on balance transfers and you could find lengthier intro APR offers on purchases on the market.
  • Alternatives: Depending on your spending habits, the American Express Blue Business Cash™ Card could easily offer more value than the Business Advantage Unlimited Cash Rewards card. That’s because the card offers a higher flat rewards rate while also charging no annual fee, with the caveat that its 2% cash back rate only applies to the first $50,000 you spend each year.
  • Bottom line: The card offers decent rewards, particularly for a no annual fee business credit card, but the earnings can get a bit sweeter for Bank of America customers who are eligible for up to a 25% to 75% rewards boost through the Preferred Rewards program.

Read our Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card review or jump back to this card’s offer details.

Best for travel: Bank of America® Travel Rewards credit card

  • Best features: This card is free from blackout dates, so flights and hotel stays can be scheduled on your own time. As a welcome offer, new accounts have the opportunity to earn an online bonus of 25,000 points after spending $1,000 in the first 90 days of account opening – a $250 value when redeeming on travel purchases. Also, rather than booking through a designated travel portal, you can redeem your points for any travel and dining purchases made on your credit card within the last 12 months, including third-party sites like Expedia or Travelocity.
  • Biggest drawbacks: Although the card has cash redemption options, they’re not very valuable. One point is worth just .006 cents. This card may not be worth it for those not eligible to sign up for Bank of America Preferred Rewards, as the 25% to 75% increase is a necessity to maximize value and compete with other top travel cards.
  • Alternatives: A fan-favorite travel card, the Chase Sapphire Preferred® Card offers a good rewards rate and a valuable sign-up bonus. If you redeem all 60,000 points (after spending $4,000 in the first three months to earn the bonus) for travel in the Ultimate Rewards portal, they are worth up to $750.
  • Bottom line: Cardholders will enjoy widespread travel rewards with the freedom to book their well-earned vacations with the travel brands of their choice. Every purchase made is rewarded with 1.5 points per dollar, and points are unlimited and won’t expire. Purchases made through the Bank of America Travel Center will earn a boosted 3X points and there’s no annual fee, no foreign transaction fees, car rental insurance, concierge services and other perks for the on-the-go lifestyle.

Read our Bank of America Travel Rewards credit card review or jump back to this card’s offer details.

Best sign-up bonus: Bank of America® Premium Rewards® credit card

  • Best features: Appropriately named, this card offers some top-tier rewards: 2X points on travel and dining purchases, as well as 1.5X points on all other purchases. Points are unlimited, won’t expire and can be redeemed for any purchase at a rate of 1 cent per point. Additionally, cardholders will be given an annual bonus of up to $100 for airline incidentals and up to $100 in credit toward TSA Precheck or Global Entry every four years. They will also have access to features like trip delay reimbursement, travel accident insurance, lost luggage reimbursement and an array of other perks.
  • Biggest drawbacks: This card has a $95 annual fee and requires a credit score over 670 to qualify, so the lucrative rewards don’t come without an initial cost and a little exclusivity. Also, points aren’t transferable, which could limit what you do with your earnings.
  • Alternatives: Like the Bank of America Premium Rewards credit card, the Chase Sapphire Preferred card sets itself apart by offering some of the most generous travel insurance protections you can get on a card that costs less than $100 a year to own. In addition, it lets you transfer your points on a one-to-one basis to a variety of travel rewards programs.
  • Bottom line: This card comes with several benefits, most notably the welcome offer – earn 50,000 online bonus points after spending $3,000 in the first 90 days. With smart shopping and redeeming through Bank of America, this sign-up bonus alone can be worth $500 in travel purchases.

Read our Bank of America Premium Rewards credit card review or jump back to this card’s offer details.

Best for business travel: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

  • Best features: For a no annual fee card, the yearly rewards value is tough to beat. There’s no rush to redeem, as points don’t expire and there’s no limit on how much you can earn. Plus, cardholders won’t be victim to blackout dates when booking travel, so business trips can fit your calendar’s demands. This card also comes with a nine billing cycle 0% intro APR on purchases (variable rate of 15.24% to 25.24% thereafter), allowing some leeway on any early-on business expenses.
  • Biggest drawbacks: Points earned can’t be transferred to other loyalty programs and any travel you want to book must be through Bank of America.
  • Alternatives: If you want to earn rewards to use on travel with a flat-rate card for everyday business spending, you should also consider the Capital One Spark Miles for Business, which earns a flat 2X across all purchases and you’ll redeem miles for a travel credit or by transferring miles to partners.
  • Bottom line: For a solid travel business card, look no further. As a sign-up bonus, you can earn 30,000 bonus points after a $3,000 spend in net purchases within your first 90 days of card membership, which can be used as a $300 statement credit on travel or towards dining purchases. The card also features 3X points when spending on travel through the Bank of America® Travel Center and 1.5X points on all other purchases.

Read our Bank of America Business Advantage Travel Rewards Mastercard review or jump back to this card’s offer details.

Best for low interest: Bank of America® Platinum Plus® Mastercard® Business card

  • Best features: As a solid welcome bonus, the Platinum Plus Mastercard offers a $300 statement credit if you spend $3,000 in your first 90 days as a cardholder. And to boost your business’ abilities, this card offers benefits like free employee cards, a cash flow management tool to help track revenues and a slew of perks to ease any business travel experiences.
  • Biggest drawbacks: Unlike most business cards, this option doesn’t provide a way of earning regular rewards. Although it’s a valuable money-saving option, your business may benefit more from a card that rewards your spending and has more premium benefits.
  • Alternatives: This card’s $0 annual fee is a plus, but there are other no-annual-fee cards that offer better benefits and rewards including the Ink Business Unlimited® Credit Card, which offers a high rate of 1.5-percent cash back on every purchase.
  • Bottom line: This card’s variable APR of 13.24% to 24.24% is a top-notch rate for any business credit card. Boosting its affordability, this card also features no annual fee and an intro purchase APR of 0% for your first 7 billing cycles. The average business card charges a minimum APR around 14.43%, so this card’s welcome offer window and low APR provide a rare level of freedom to those carrying a balance.

Read our Bank of America Platinum Plus Mastercard Business card review or jump back to this card’s offer details.

Best for small business: Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

  • Best features: For an option with no annual fee, this card’s impact is strong. For some added flexibility, the cash you earn never expires and you can change your bonus category on a monthly basis. As an added perk, purchases are welcomed with a 0% intro APR for 9 billing cycles, followed by a variable APR of 15.24% to 25.24%.
  • Biggest drawbacks: As with most cash back cards, there are limited redemption options. Cardholders can only redeem earnings for a check, statement credit or deposit into a Bank of America account. Another limiting feature, rewards can’t be moved to other loyalty programs. Also, if your business spends heavily, there could be more fruitful options. Earnings in the 2% and 3% categories are capped at a combined total of $50,000 annually.
  • Alternatives:  If you’re a big spender, as many small business owners are, the Capital One Spark Cash Plus is a strong alternative. This card earns an impressive 2% cash back on every purchase with no spending caps.
  • Bottom line: You’ll open new doors for your small business, giving access to 3% cash back on a category of your choice (office supply stores, TV/telecom and wireless, computer services, gas, travel, and business consulting services), 2% cash back at restaurants and 1% on all other purchases (on the first $50,000 in combined 3% and 2% category purchases). The 3% and 2% categories have a combined limit of $50,000 on purchases each year. The sign-up bonus is easily attainable if your company has an upcoming large purchase to make: Earn a $300 statement credit after spending $3,000 with your card in the first 90 days.

Read our Bank of America Business Advantage Customized Cash Rewards Mastercard review or jump back to this card’s offer details.

Best for business miles: Alaska Airlines Visa® Business card

  • Best features: Your miles won’t expire on active accounts and there’s no limit on the amount you can earn. There’s also a free checked bag on Alaska flights, no cancellation fees if you change travel plans 60 or more days in advance and you can redeem points with different airline partners. Plus, Alaska also gives a Companion Fare each year the account stays open, a worthwhile perk.
  • Biggest drawbacks: This card requires an annual fee of $50 per company, and $25 per additional card. Additionally, there are cases with limited seat availability and blackout dates. Alaska Airlines’ flight network is best suited for those who often travel on the West Coast.
  • Alternatives: This card can still be a great deal for a business owner, but if you have more than one employee who needs their own card, you’ll want to consider a business card with a smaller authorized user fee. Some, like the Capital One Spark Miles for Business and The Blue Business® Plus Credit Card from American Express don’t charge you anything for additional cards.
  • Bottom line: Thanks to a healthy rewards rate and welcome bonus, this card makes it easy to earn miles for your business. Cardholders earn 3X miles on eligible Alaska Airlines purchases, plus 1X miles on anything else. You’ll also be greeted with the opportunity to earn 40,000 miles plus Alaska’s Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) after spending $2,000 in your first 90 days.

Read our Alaska Airlines Visa Business card review or jump back to this card’s offer details.

Best for frequent Alaska Airlines flyers: Alaska Airlines Visa Signature® credit card

  • Best features: The Alaska Airlines companion fare from $121 ($99 companion fare, plus taxes and fees from $22) each account anniversary and free checked bag (for you and up to six people on the same reservation) give this card more long-term value than many of its counterparts. Alaska Airlines does have a wide network of domestic and international partners, so your miles have some value outside of flights with the carrier.
  • Biggest drawbacks: While the annual fee is reasonable relative to the card’s perks, you’ll still have to shoulder a $75 charge each year, so be sure you frequent the airline enough to justify adding the card to your wallet.
  • Alternatives: For travelers seeking a more flexible rewards structure with a sizable sign-up bonus, the Chase Sapphire Preferred is a strong choice.
  • Bottom line: This card carries all the hallmarks of a solid airline credit card (decent rewards, a lucrative sign-up bonus and several airline-centric perks) for a reasonable $75 annual fee.

Read our Alaska Airlines Visa Signature credit card review or jump back to this card’s offer details.


What is Bank of America?

Bank of America is a full-service bank with all types of accounts, credit cards and even physical locations. On top of their large selection of credit cards, Bank of America ranks amongst the top of all banks. And its impressive reputation has allowed it to enter into partnerships with Visa and Mastercard, which process charges at retailers across the globe.

Most of Bank of America’s cards require good or excellent credit scores, but they’re worthwhile for cardholders looking for business rewards, cash back, welcome bonuses and more. Its international connections make for a great suite of travel opportunities, and the Preferred Rewards program turns their credit cards into valuable assets.

Where is Bank of America accepted?

Bank of America issues credit cards on both the Visa and Mastercard network, the two most widely accepted credit card networks out there. That means that no matter which type of Bank of America credit card you ultimately choose, you can be confident that your card will be accepted by the majority of merchants around the world.

What credit score is needed for Bank of America credit cards?

With so many of their cards giving worthwhile cash back, travel rewards or APR offers, the majority of Bank of America’s options require a good (670 to 739) or better credit score to get approved. An excellent score will almost surely get you in the door for most of their cards, but someone still improving their credit score should take their time before applying. You can check to see if you prequalify with Bank of America ahead of time to avoid a hit to your credit before applying, and if you don’t get the answer you’re looking for, there are other options and secured cards that can boost your score.

How to choose a Bank of America credit card

The process of choosing a credit card is the same no matter the issuer. You should evaluate your own spending habits, check your credit score, consider the benefits that would actually help your lifestyle and use tools like our CardMatch feature to find cards in your selection pool based on your credit profile. Once you have a better idea of what you’re looking for, you can see if any of Bank of America’s cards fit your needs.

Who should get a Bank of America card

  • Cash back chasers: If you want easy earnings and want to avoid worrying about spending in the right spots or meeting certain criteria to earn strong cash back rates, Bank of America has two great options for you. The Unlimited Cash Rewards Card gives shoppers a consistently solid cash back rate and the Customized Cash Rewards card allows you to decide where you want to earn most, so consider your spending before deciding which would better suit you.
  • Frequent travelers: Travelers looking for well-rounded rewards that can turn into a nice vacation should consider the Bank of America Travel Rewards credit card thanks to its 3X points when making purchases using the Bank of America Travel Center and helpful benefits for when you’re on the go. Another great travel companion for rewards hunters is the Bank of America Premium Rewards card, offering useful travel perks as well as 2X points on travel and dining and the power to turn points into your next trip. Consistent Alaska Airlines flyers also have some strong choices to consider thanks to Bank of America.
  • Small business owners: Entrepreneurial spenders have several options to choose from when looking at Bank of America’s selection of cards. Making a decision all depends on your business expenses and what you’re looking for. Someone who wants easy-to-capitalize cash back should look at the Business Advantage Customized Cash Rewards Mastercard’s flexible rewards program. More on-the-go business owners could be best off with the Alaska Airlines Visa Business card or Business Advantage Travel Rewards World Mastercard and someone who’s prepared to take on some debt to grow their business may want to explore what’s offered by the Platinum Plus Mastercard Business card.

Who should skip a Bank of America card

  • Credit newcomers: If you’re just getting started on your credit journey, the suite of Bank of America cards might be outside of your credit range in the beginning. That being said, you should check your credit score to see what your options are – a Bank of America card might be available to you. If not, look to student cards, secured options and other cards for improving credit that can get you started the right way.
  • Luxury travelers: Although Bank of America has great travel cards, those looking for the VIP experience when traversing the airport and soaring through the sky will have to look elsewhere. If you want things like airport lounge access, priority boarding, free upgrades and more, some premium cards can be your ticket in – just be ready for a hefty annual fee.
  • Previously committed bankers: If you are already tied to another major bank and have no plans of moving your money, a Bank of America card might not be the most valuable choice. With Bank of America’s rewards structure, being a Preferred Rewards member is an essential to get the most out of your credit card. And in order to do so, it’s required that you have at least $20,000 in accounts with Bank of America or Merrill Lynch. Those who don’t have any intentions of taking advantage of the rewards program should look elsewhere when choosing a card.

What are the benefits of having a Bank of America credit card?

On top of top-notch rewards, welcome bonuses and introductory APR offers, Bank of America cards provide a number of attractive benefits and programs for different types of consumers. You can get access to the following through most Bank of America’s cards:

  • Travel insurance: The top Bank of America travel cards will help take some of the stress away from your journeys, offering auto rental collision waivers, trip cancellation insurance, delayed trip reimbursement and more.
  • Travel credits: You can get regular statement credits for airline incidental travel purchases (up to $100 per year) as well as another $100 every 4 years to go towards TSA Precheck or Global Entry.
  • Access to your FICO score: A perk useful for keeping track of your financial progress, you’ll be able to monitor your credit score with a Bank of America card.
  • Museums on Us: Bank of America grants access to your choice of more than 200 U.S museums for free on the first full weekend of each month.
  • Luggage reimbursement: Certain Bank of America cards might be a saving grace thanks to their baggage delay reimbursement and lost luggage benefits. If anything were to happen to your items while traveling, contacting your card provider might be a necessary step.
  • Return protection: If a merchant won’t take back an eligible item within 90 days, Bank of America will cover your return amount for certain eligible purchases.
  • Purchase security: When you buy something with certain Bank of America cards, your purchases can be protected for a predetermined period of time and up to a certain amount. You’ll have to check your cardholder agreement, as the terms of some benefits vary card by card.
  • Roadside assistance: If anything were to ever go wrong when you’re in the car, roadside dispatch is a useful benefit to have in your back pocket.
  • General security: As a major provider, Bank of America’s cards feature standards like protection against unauthorized charges, identity protection, mobile banking, customizable alerts and more.

What programs does Bank of America offer?

Designed for loyal Bank of America users, the Preferred Rewards program will take your earnings to new heights, as well as provide savings on stock trades, auto loans and mortgages – even transactions with non-Bank of America ATMs. While the Preferred Rewards program starts at $20,000 in a Bank of America account, the Platinum Honors status requires a balance of over $100,000.

The program is divided into three tiers. Gold Preferred Rewards members earn a 5% savings interest rate booster and a 25% credit card rewards bonus with an account balance of $20,000 to $50,000. Platinum Preferred Rewards members earn a 10% savings interest rate booster and a 50% credit card rewards bonus with an account balance of $50,000 to $100,000. Platinum Honors Rewards members earn a 20% savings interest rate booster and a 75% credit card rewards bonus with an account balance of $100,000 or higher. Here are the benefits that Preferred Rewards tiers offer:

RewardsGoldPlatinumPlatinum Honors
Required balance $20k-$50k $50k-$100k $100k+
Rewards savings interest rate booster 5% 10% 20%
Credit card rewards bonus 25% 50% 75%
Non-Bank of America transactions 12 a year Unlimited
Merrill Guided Investing 0.05% program fee discount 0.10% program fee discount 0.15% program fee discount
Priority client service Yes Yes Yes
Mortgage reduced origination fee, new or refinance $200 $400 $600
Home equity discount 0.125% 0.250% 0.375%
Auto loan discount, new or refinance 0.25% 0.35% 0.50%
No monthly maintenance fees on up to 4 eligible checking and 4 savings
accounts
Yes Yes Yes
No fees on select services, including standard check orders, cashier’s checks, incoming domestic wire transfers and more Yes Yes Yes

Bank of America

Preferred Rewards redemption options

In addition to the can’t-miss points boost and bountiful benefits, the Bank of America Preferred Rewards program is versatile: You aren’t tied down to specific travel partners, for example, and you can even get a check cut for your rewards, if you so desire. Here are ways you can redeem your points:

  • Gift cards. You can redeem from Lands’ End to iTunes, starting at 1:1 for your points.
  • Travel. Bank of America doesn’t have partners, so you can use your points to book directly with an airline, hotel or rental car company.
  • Cash. Redeem as a statement credit.
  • Deposit in Bank of America account. With the Bank of America® Customized Cash Rewards credit card, redeem cash back into a checking or savings account – and even get up to 75% extra value for qualifying Preferred Rewards customers. You can even redeem rewards automatically to the account of your choice.
  • Merrill. With the Premium Rewards Card, deposit into a Merrill account such as savings, checking or a 529 plan.
  • Personal check. Allow for 14 days for this option.

With all the perks, impactful savings opportunities and flexible ways to redeem, becoming a member of the program is a must if you want to get value out of your regular purchases. See our guide to the Preferred Rewards program for further tips on how to utilize your Bank of America credit card.

Is a Bank of America credit card worth it?

Thanks to the bank’s success over the years, it’s able to provide some very worthwhile cards. As is with any credit card, as long as you find a match for your spending habits and the right perks that will help you, Bank of America’s options provide plenty of value. Of course, there are cases where a cardholder enters into the wrong contract, but doing your homework ahead of time will prevent this from happening. Bank of America’s only catch – most don’t come anywhere close to their true potential without being a Preferred Rewards member.

When looking at any credit card, be sure its key perks align with your goals. Bank of America has choices for intro APR, balance transfers, lucrative cash back, small business owners, travel-happy spenders and more. So if you know your spending habits and budget, you’ll have no problem finding the right Bank of America credit card for you.

How we picked the best Bank of America credit cards

Methodology: When determining which Bank of America credit cards are the best in key categories such as rewards, cash back and travel, we consider the following:

  • Benefits: Does the card offer a competitive range of benefits and special features such as purchase security, extended warranty, travel assistance and ID theft services?
  • Rates and fees: Are rates and annual fees reasonable in relation to the benefits and rewards offered? Are foreign transaction fees and APR rates competitive?
  • Rewards program: We examine rewards offered in popular card categories including travel, cash back, and business, against spend requirements to assess value.

Deciding which Bank of America credit card is right for you will depend on your unique spending habits and financial goals. Learn more on how to choose the best credit card.

More information on Bank of America credit cards

For more information on all things Bank of America credit cards, continue reading content from our credit card experts:

  • BankAmeriDeals program guide
  • How to transfer a balance to a Bank of America credit card
  • How to get preapproved for a Bank of America card
  • How to get a cash advance with Bank of America
  • How to request a credit limit increase with Bank of America
  • How to add an authorized user to a Bank of America credit card

Bank of america credit card no credit

Tracy Stewart

Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.

About the Editor

Bank of america credit card no credit

Laura Mohammad

Laura Mohammad CreditCards.com Senior Editor Laura Mohammad writes, edits and coaches extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. In Laura's 20+ years as a financial and personal finance journalist, her work has appeared in such publications and websites as The New York Times, The Associated Press, StreetAuthority.com and American City Business Journals.

About the Reviewer

Bank of america credit card no credit

Stephanie Zito

Stephanie Zito is a professional traveler, humanitarian and credit card points collector sharing savvy travel tips she has learned firsthand from more than 20 years of circling the globe as a backpacker, expat and premium traveler in more than 125 countries and all seven continents.

Can you use a credit card with no credit?

Bottom line. It is possible for those with limited or even no credit history to open credit cards and earn rewards for their purchases. In general, it is easiest to qualify for secured credit cards, which require you to make a deposit in order to access a credit limit.

Is it hard to get a credit card from Bank of America?

As long as you meet the credit score requirement and a few other requirements, it's not hard to get a Bank of America credit card. As with all credit cards, you'll need to have a steady income and be at least 18 years old. You'll also need to have an SSN or ITIN.

How much credit do you need to get a Bank of America credit card?

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 limited credit history or a bad credit score, for example.

What credit card does not have a credit limit?

No, there aren't any no limit credit cards. All credit cards have some sort of limit at the end of the day. No credit card gives cardholders unlimited purchasing power.