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Bank of America® Unlimited Cash Rewards Credit Card
- Regular Purchase APR 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 19.24% to 29.24% variable based on creditworthiness and Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 billing cycles
- Processing Network Visa
- No annual fee
- Unlimited 1.5% cash back on every purchase
- 0% Intro APR for the first 15 billing cycles on purchases and balance transfers
- $200 online cash rewards bonus after you make at least $1,000 in purchases within the first 90 days from account opening
- No limit on the amount of cash back you can earn – and rewards don’t expire
- Intro Purchase APR: 0% for 15 billing cycles
- Regular Purchase APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 billing cycles for transactions made within 60 days of account opening
- Balance Transfer APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Cash Advance APR: 19.24% to 29.24% variable based on creditworthiness and Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40








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Join today!Bank of America® Customized Cash Rewards Credit Card
- Regular Purchase APR 16.24% to 26.24%, variable based on creditworthiness and Prime Rate
- Balance Transfer APR 16.24% to 26.24%, variable based on creditworthiness and Prime Rate
- Cash Advance APR 19.24% to 29.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 billing cycles from account opening date
- Processing Network Mastercard
- 3% cash back on the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- 1% on all other purchases
- Introductory 0% APR for the first 15 billing cycles from the date you open your account
- Free FICO® Score reports updated monthly so you can monitor your credit score
- Intro Purchase APR: 0% for 15 billing cycles from account opening date
- Regular Purchase APR: 16.24% to 26.24%, variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 billing cycles on transfers made within 60 days from account opening date
- Balance Transfer APR: 16.24% to 26.24%, variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 19.24% to 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: 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
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40










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Join today!Bank of America® Travel Rewards Credit Card
- Regular Purchase APR 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 19.24% to 29.24% variable based on creditworthiness and Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for the first 15 billing cycles from account opening date
- Processing Network Visa
- Earn 25,000 bonus points after spending $1,000 in purchases within the first 90 days
- Introductory 0% purchase APR for 15 billing cycles
- 1.5 points for every $1 you spend on all purchases
- No annual fee
- No foreign transaction fees
- Points don’t expire
- Unlimited earning
- Intro Purchase APR: 0% for the first 15 billing cycles from account opening date
- Regular Purchase APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 19.24% to 29.24% variable based on creditworthiness and Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and Prime Rate
- Late Payment Penalty Fee: Up to $40








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Join today!Bank of America® Premium Rewards® Credit Card
- Regular Purchase APR 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Annual Fee $95
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening
- 2X points per dollar spent on travel and dining purchases
- 1.5X points per dollar spent on all other purchases
- $100 Airport Security Statement Credit towards TSA Pre? ® or Global Entry Application fee, every four years
- Annual $100 statement credit for airline incidentals
- No blackout dates
- No foreign transaction fee
- Regular Purchase APR: 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 25.24% 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: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29








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Join today!Bank of America® Premium Rewards® Elite Credit Card
- Regular Purchase APR 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Annual Fee $550
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network Visa
- No foreign transaction fees
- Earn 2X points on eligible restaurant & travel purchases
- Earn 1.5X points on all other purchases
- Preferred Rewards members earn 25% to 75% more points
- Get up to $550 in automatic statement credits
- Regular Purchase APR: 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 25.24% 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: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greate
- Penalty APR: Up to 29.99% variable based on creditworthiness
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $40








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Join today!BankAmericard® Credit Card
- Regular Purchase APR 15.24% to 25.42% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.24% to 25.42% variable based on creditworthiness and Prime Rate
- Cash Advance APR 18.24% to 28.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 18 months from account opening date
- Processing Network Mastercard
- No interest charges on purchases and balance transfers for the first 18 months from the date of account opening
- No penalty APR for late payments
- No annual fee
- Access your FICO® Score for free
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 15.24% to 25.42% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months for any balance transfers made within 60 days from account opening date
- Balance Transfer APR: 15.24% to 25.42% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 18.24% to 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- 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










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Join today!Business Advantage Unlimited Cash Rewards Secured Credit Card
- Regular Purchase APR 24.49% variable based on the Prime Rate
- Balance Transfer APR 24.49% variable based on the Prime Rate
- Cash Advance APR 26.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Mastercard
- No annual fee
- Earn unlimited 1.5% cash back rewards while establishing your business credit
- Flexible redemption options
- Seamless transition from secured credit to unsecured with financial responsibility
- Regular Purchase APR: 24.49% variable based on the Prime Rate
- Balance Transfer APR: 24.49% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
- Cash Advance APR: 26.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
- Late Payment Penalty Fee: Up to $49
- Minimum Deposit Required: $1,000










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Join today!Alaska Airlines Visa® Credit Card
- Regular Purchase APR 18.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 18.24% to 26.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 21.24% to 29.24% variable based on the Prime Rate
- Annual Fee $75
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- 3X miles per dollar spent on Alaska Airlines purchases
- 1X miles per dollar spent on all other purchases
- Annual Alaska’s Famous Companion Fare® on account anniversary
- Free checked bag on Alaska Airlines flights for up to six other guests on the same reservation
- Enjoy 50% off Alaska Lounge day passes
- 20% back on in-flight purchases
- No foreign transaction fee
- Regular Purchase APR: 18.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 18.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 21.24% to 29.24% 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
- Annual Fee: $75
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29








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Join today!BankAmericard® Secured Credit Card
- Regular Purchase APR 25.24% variable based on the Prime Rate
- Balance Transfer APR 25.24% variable based on the Prime Rate
- Cash Advance APR 29.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Mastercard
- Requires minimum $300 deposit (refundable)
- Free access to monthly updated FICO® Score
- Digital wallet compatible
- No annual fee
- Overdraft protection
- Regular Purchase APR: 25.24% variable based on the Prime Rate
- Balance Transfer APR: 25.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- 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
- Minimum Deposit Required: $300










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Join today!BankAmericard® Credit Card for Students
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , No Credit Required
- Intro Purchase APR 0% for 18 months from account opening date
- Processing Network Mastercard
- Introductory 0% purchase APR for 18 months
- Introductory 0% APR for 18 months on balance transfers made within 60 days of account opening
- No fee on balance transfers made within 60 days of account opening
- Access to credit and budgeting education and free monthly FICO Score reports
- No annual fee
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from account opening date
- Balance Transfer APR: 15.24% to 25.24% 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: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- 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










Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You’ve viewed 10 of 43 credit cards
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: $20,000 to $49,000
Savings Interest Bonus: 5%
Credit Card Rewards Bonus: 25%
Foreign Exchange Currency Discount: 1%
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 2022?
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.