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Showing 31 Cards
Date Reviewed: January 23, 2020
AAA Member Rewards Card
- Regular Purchase APR 15.49% to 25.49%, variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.49% to 25.49%, variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- 3X points on travel and AAA purchases
- 2X points on gas, groceries, wholesale clubs, and drugstore purchases
- 1X points on all other purchases
- No foreign transaction fees
- Regular Purchase APR: 15.49% to 25.49%, variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months
- Balance Transfer APR: 15.49% to 25.49%, variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.995 variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $28
Date Reviewed: December 03, 2019
Bank of America® Cash Rewards Card for AMSA
- Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 16.99% to 26.99% variable based on creditworthiness and Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Visa
- 3% cash back on your chosen category: online shopping, dining, gas, travel, or home furnishings and improvement
- 2% cash back on purchases at grocery stores, bakeries, and wholesale clubs
- 1% cash back on all other purchases
- Introductory 0% APR for the first 15 months from the date your account is opened
- Your card use benefits the American Medical Student Association (AMSA)
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 16.99% to 26.99% variable based on creditworthiness and Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Date Reviewed: October 17, 2019
Sandals Visa Signature® Credit Card
- Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 17.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 7 months from account opening datea
- Processing Network Visa
- Earn a statement credit of $150 when you make $1,000 in purchases within the first 90 days of the account open date
- No annual fee
- Earn 3x points for every $1 spent on purchases at any Sandals & Beaches resorts
- Earn 1x point per $1 spent on everyday purchases
- Intro Purchase APR: 0% for 7 months from account opening datea
- Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 17.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Direct Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Date Reviewed: June 12, 2019
Sonesta World Mastercard®
- Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 17.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee $0 for first year; $75 after that
- Credit Needed Excellent
- Processing Network Mastercard
- 3X points on Sonesta purchases
- 2X points on airfare, car rentals, and dining
- 1X points on all other purchases
- Automatic Sonesta Travel Pass Elite Member status
- Earn 60,000 bonus points after spending $1,000 within 90 days
- Earn additional 5,000 points after adding an authorized user within 90 days
- Anniversary bonus of 30,000 points for spending $7,500 per year
- Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 17.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $10 or 3-5% of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee: $0 for first year; $75 after that
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Date Reviewed: May 06, 2019
Asiana Visa® Business Card
- Regular Purchase APR 14.74% variable based on the Prime Rate
- Balance Transfer APR 14.74% variable based on the Prime Rate
- Cash Advance APR 25.74% variable based on the Prime Rate
- Annual Fee $80
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 2 miles per $1 spent on Asiana Airlines ticket purchases
- Earn 1 mile per $1 on all other purchases
- Get 10,000 bonus miles after your first purchase
- Get two annual $100 statement rebates toward qualifying Asiana ticket purchases
- No limit to the number of miles you can earn
- Regular Purchase APR: 14.74% variable based on the Prime Rate
- Balance Transfer APR: 14.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: $10 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 25.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $80
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $39
Date Reviewed: December 04, 2018
Air France KLM World Elite Mastercard®
- Regular Purchase APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Annual Fee $89
- Credit Needed Excellent , Good
- Processing Network Mastercard
- 3X miles per $1 spent directly on purchases with Air France, KLM Royal Dutch Airlines, and SkyTeam member carriers
- 1.5X miles per $1 on all other purchases
- Earn 25,000 bonus miles after making $1,000 in purchases within 3 months
- 5,000 miles anniversary bonus after spending $50 in purchases within anniversary year
- 20 XP every account anniversary with additional 40 XP after spending $15,000 or more per year
- No foreign transaction fee
- Regular Purchase APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $89
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Date Reviewed: September 06, 2018
U.S. Pride® Credit Card
- Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 16.99% to 26.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Visa
- Introductory 0% Purchase APR for 15 months
- Introductory 0% APR for 15 months on balance transfers made within 60 days of opening your account
- 3% cash back on your choice of 6 popular rewards categories
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- No annual fee
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 16.99% to 26.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Date Reviewed: September 05, 2018
World Wildlife Fund Credit Card
- Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 16.99% to 26.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Intro Purchase APR 0% for the first 15 months from account opening date
- Processing Network Visa
- World Wildlife Fund receives $3 for every account opened and 0.08% of each transaction
- Introductory 0% purchase APR for your first 15 months
- Introductory 0% APR on balance transfers made within 60 days
- 3% cash back on the category of your choice
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- No annual fee
- Intro Purchase APR: 0% for the first 15 months from account opening date
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months from account opening date
- Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 16.99% to 26.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Date Reviewed: September 05, 2018
Virgin Atlantic World Elite Mastercard®
- Regular Purchase APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 18.99% to 26.99% variable based on the Prime Rate
- Annual Fee $90
- Credit Needed Good
- Processing Network Mastercard
- 3X miles on direct Virgin Atlantic purchases
- 1.5X miles on all other purchases
- No foreign transaction fees
- Unlimited earning
- 15,000 Flying Club bonus miles every account anniversary
- 5,000 Flying Club bonus miles for adding authorized users
- Companion reward when redeeming Flying Club miles for a reward ticket (must spend at least $25,000 per year)
- Earn 30,000 Flying Club bonus miles after spending $1,000 or more within the first 90 days of account opening
- Earn 25 tier points per $2,500 in purchases
- Regular Purchase APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 18.99% to 26.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee: $90
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Date Reviewed: September 05, 2018
Spirit Airlines World Mastercard®
- Regular Purchase APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 18.99% to 26.99% variable based on the Prime Rate
- Annual Fee $0 for the first year. After that, $59
- Credit Needed Good
- Processing Network Mastercard
- Earn Double Miles on your everyday purchases – that's 2 miles for every $1
- Get 5,000 mile anniversary bonus for spending $10,000 in purchases annually
- No blackout dates on award tickets
- No foreign transaction fees
- Regular Purchase APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 18.99% to 26.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee: $0 for the first year. After that, $59
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Benefits of Bank of America Credit Cards
Bank of America is a popular option for those looking for a quality credit card. The bank currently has over 58 million cardholders, which accounts for over 10% of all the credit cards in the United States.
Bank of America (BOA) is an excellent option for those who like the convenience of a bank with thousands of locations across the country. The bank is seemingly on every street corner, with over 4,200 branches nationwide. The bank is also known for its customer service, which ranks high amongst customers.
Bank of America currently issues over twenty cards, including cards co-branded with leading names in the travel industry. These include impressive names like Norwegian Cruise Lines, Alaska Airlines, Air France, and Amtrak. Bank of America also teams with leading charities, such as the World Wildlife Fund and Susan G. Komen. The bank even has a card for baseball fans – the MLB Cash Rewards Card.
The bank also issues a variety of own-brand cards, either through the Bank of America (BOA) name or through the name Bankamericard. These include excellent cards that earn rewards on purchases and balance transfer cards.
What to Look for In A Bank of America Credit Card
Before applying for a Bank of America Card, there are several factors you should carefully consider. Here’s what to look at before applying, features to compare, and red flags to avoid:
- Annual Fee: Does the card charge an annual fee? Rewards cards – especially travel rewards cards – sometimes come with annual fees. Before applying for a card that charges a yearly fee, make sure you’ll get enough value from the perks, credits, and benefits to justify that cost.
- APR: Always check the interest rates before applying. The better your credit score, the better the rate you can expect.
- 0% Intro APR: Does the card offer a 0% intro APR period? Cards that provide interest-free promotional periods of 15 billing cycles or more are great for those with existing credit card balances. These intro periods let you pay down balances without additional interest charges racking up.
- Fees: Are there extra fees? Is there a penalty APR or balance transfer fee?
- Rewards: What type of rewards does the card offer? Pay special attention to how those rewards are earned. How long are points good for? Do they expire?
- Intro Bonuses: How much do you need to spend? Typically rewards cards require a spending minimum within 90 days of account opening.
- Foreign Transaction Fees: If you plan on using your card for purchases outside the U.S., make sure the card charges no foreign transaction fees. Failing that, look for a card with a low foreign transaction charge – below 2%.
Bank of America Preferred Rewards
Bank of America offers different types of rewards. One is the Premium Rewards Program, which applies to their top-end credit cards. The BOA Preferred Rewards, on the other hand, seeks to reward those who do most of their banking with Bank of America.
The program offers rewards for those who have multiple accounts with the bank, including checking accounts, savings accounts, mortgages, auto loans, and more. Customers also get rewarded for Guided Investment accounts through Merrill, an investment and brokerage firm.
Preferred Rewards Tiers
Bank of America Preferred Rewards features three tiers. Each tier requires cardholders and BOA banking customers to meet spending minimums and offers unique benefits. These tiers are:
Gold
- Required Balance: $20,000 to $49,000
- Savings Interest Bonus: 5%
- Credit Card Rewards Bonus: 25%
- Foreign Exchange Currency Discount: 1%
Platinum
- Required Balance: $50,000 to $99,000
- Savings Interest Bonus: 10%
- Credit Card Rewards Bonus: 50%
- Foreign Exchange Currency Discount:5%
Platinum Honors
- Required Balance: $100,000+
- Savings Interest Bonus: 20%
- Credit Card Rewards Bonus: 75%
- Foreign Exchange Currency Discount: 2%
Preferred rewards tiers also enjoy enhanced earning rates on Merrill Lynch investment accounts, mortgage origination fees savings, home equity discounts, auto loan discounts, and more.
Bank of America Premium Rewards
BOA Premium Rewards are the pinnacle of rewards for Bank of America credit card customers. Bank of America Premium Rewards has a value of approximately one cent per point. To be eligible for Premium Rewards, you’ll need to have the Bank of America® Premium Rewards® Credit Card.
BOA Premium Rewards are earnable on every purchase, with additional rewards ins elect categories. Those categories are travel and dining, with the travel category encompassing the following:
- Airline, bus, and cruise tickets
- Auto and boat rentals
- Hotels, timeshares, and campground rentals
- Taxis, tolls, and parking garage fees
- Tours and attractions
Redeeming Premium Rewards is also straightforward, with the following options available:
- Statement credits
- Cash back into Bank of America checking or savings accounts
- Credits toward individual Merrill investment accounts
- Bank of America Travel Center gift cards and purchases
Premium Rewards Credit Cardholders also receive additional travel perks and benefits. These include:
- Auto rental collision waiver
- Common carrier travel accident insurance
- Visa® warranty manager
- Trip cancellation insurance
- Trip interruption insurance and trip delay reimbursement
- Baggage delay reimbursement
- Lost luggage reimbursement
- Return protection
- Visa® Roadside dispatch
Other Bank of America Rewards
Travel Rewards
Bank of America® Travel Rewards is one of the types of BOA credit card rewards. BOA Travel Rewards apply towards travel statement credits using a Bank of America travel credit card. Cardholders also earn loyalty bonuses if they are an existing Bank of America banking customer, or a Merrill wealth account customer.
Cash Rewards
Bank of America® Cash Rewards is another popular option for BOA credit cardholders. Cash rewards allow holders to select their preferred 3% cash back category. Options for 3% back categories include travel, gas, or online shopping purchases. These rewards also have a higher spend limit than many other cash back programs, with BOA credit cards enjoying up to $2,500 in quarterly spending caps, compared with $1,500 with many different credit card issuers.
Cash Rewards and Travel Rewards Member Benefits
Travel and cash Rewards members also enjoy Visa® benefits and perks, including:
- Auto rental collision waiver
- Common carrier travel accident insurance
- Visa warranty manager
- Return protection
- Visa Roadside dispatch
Looking for the Best Bank of America® Credit Cards for 2020?
Finding your ideal Bank of America Card isn’t easy. That’s where the team at BestCards comes in. We’ve compiled over 800 credit card reviews to date, covering issuers large and small. We offer impartial and insightful analysis to help you find precisely what you want.
Browse our comprehensive reviews. Read our credit card news and advice, and find your best card today.
