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August 14, 2018
Bank of America® Travel Rewards Credit Card
25,000 Bonus Points (a $250 Value)
- Regular Purchase APR 16.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 16.49% to 24.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 19.49% to 26.49% variable based on creditworthiness and Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 12 months from account opening
- Processing Network Visa
- Earn 25,000 bonus points after spending $1,000 in purchases within the first 90 days
- Introductory 0% purchase APR for 12 months
- 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 12 months from account opening
- Regular Purchase APR: 16.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 16.49% to 24.49% 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: 19.49% to 26.49% 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 $39
- Return Payment Penalty Fee: Up to $28
August 27, 2018
Bank of America® Cash Rewards Credit Card
$200 Cash Rewards Bonus Offer
- Regular Purchase APR 15.49% to 25.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.49% to 25.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 18.49% to 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 15 months from account opening
- Processing Network Mastercard
- 3% cash back on the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement
- 2% cash back at grocery stores and wholesale clubs
- 1% on all other purchases
- Introductory 0% APR for the first 15 months 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 the first 15 months from account opening
- Regular Purchase APR: 15.49% to 25.49% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months on transfers made within 60 days from account opening
- Balance Transfer APR: 15.49% to 25.49% 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: 18.49% to 26.49% 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 $39
- Return Payment Penalty Fee: Up to $28
August 27, 2018
BankAmericard® Credit Card
0% APR on Purchases and Balance Transfers for 15 Months
- Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 17.49% to 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 15 months from closing date of account opening
- Processing Network Mastercard
- No balance transfer fees for the first 15 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 the first 15 months from closing date of account opening
- Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days of account opening
- Balance Transfer APR: 14.49% to 24.49% 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: 17.49% to 26.49% 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 $39
- Return Payment Penalty Fee: Up to $28
August 27, 2018
Bank of America® Premium Rewards® Credit Card
50,000 Bonus Points ($500 Value) + Unlimited Rewards Earning
- Regular Purchase APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 20.49% to 26.49
- Annual Fee $95
- Credit Needed 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: 17.49% to 24.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 17.49% to 24.49% 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: 20.49% to 26.49
- 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 $39
- Return Payment Penalty Fee: Up to $28
August 27, 2018
Alaska Airlines Visa® Credit Card
40,000 Bonus Miles + Alaska's Famous Companion Fare™
- Regular Purchase APR 17.49% to 25.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 17.49% to 25.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 20.49% to 27.49% variable based on the Prime Rate
- Annual Fee $75
- Credit Needed 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: 17.49% to 25.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 17.49% to 25.49% 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: 20.49% to 27.49% 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 $39
- Return Payment Penalty Fee: Up to $28
August 27, 2018
BankAmericard® Secured Credit Card
Refundable Security Deposit, $300 Minimum
- 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 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed 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: 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 3% of the amount of each transaction
- Cash Advance APR: 26.49% 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 $39
- Return Payment Penalty Fee: Up to $28
- Minimum Deposit Required: $300
- Credit Needed: $300
August 27, 2018
Bank of America® Cash Rewards Credit Card for Students
$200 Bonus Cash
- 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 18.49% to 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed No Credit Required
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Mastercard
- Introductory 0% purchase APR for your first 15 months
- Introductory 0% APR on balance transfers made within 60 days
- Enjoy additional travel, auto rental, and purchase benefits
- 3% cash back on the category of your choice
- 2% back at grocery stores and wholesale clubs
- 1% back on all other purchases
- Free ccess to monthly FICO® Score
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days of account opening
- 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 transfer, whichever is greater
- Cash Advance APR: 18.49% to 26.49% 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
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $28
August 27, 2018
Bank of America® Travel Rewards Credit Card for Students
25,000 Bonus Points + Unlimited Earning
- Regular Purchase APR 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 19.49% to 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair , No Credit Required
- Intro Purchase APR 0% for the first 12 months from date of account opening
- Processing Network Visa
- 25,000 bonus points after spending $1,000 within 90 days
- Earn unlimited 1.5 points per dollar spent on all purchases
- Points never expire + no limits on earnings
- Access to FICO® Score (updated monthly)
- No annual fee
- No foreign transaction fees
- Intro Purchase APR: 0% for the first 12 months from date of account opening
- Regular Purchase APR: 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.49% to 24.49% 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: 19.49% to 26.49% 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
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $28
August 27, 2018
BankAmericard® Credit Card for Students
0% APR on Purchases and Balance Transfers for the First 15 Months
- Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 17.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Fair , No Credit Required
- Intro Purchase APR 0% for the first 15 months from the date of account opening
- Processing Network Mastercard
- Introductory 0% purchase APR for 15 months
- Introductory 0% APR for 15 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 the first 15 months from the date of account opening
- Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months for transfers made within 60 days from the date of account opening
- Balance Transfer APR: 14.49% to 24.49% 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: 17.49% to 26.49% 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 $39
- Return Payment Penalty Fee: Up to $28
August 28, 2018
Business Advantage Cash Rewards Mastercard® Credit Card
$300 Bonus Cash
- Regular Purchase APR 13.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for the first 9 billing cycles following the opening of your account
- Processing Network Mastercard
- $300 statement credit bonus after spending $3,000 with 90 days
- 3% cash back on the category of your choice
- 2% back at restaurants
- 1% cash back on all other purchases
- Cash earnings never expire
- Intro Purchase APR: 0% for the first 9 billing cycles following the opening of your account
- Regular Purchase APR: 13.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: $10 or 4% of the amount of each transaction, whichever is greater
- Cash Advance APR: 25.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 3% 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
- Return Payment Penalty Fee: $39
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.
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 are great for those with existing credit card balances. These intro periods let you pay down balances without additional interest charges racking up.
- Rewards: If you are considering a rewards card, what type of rewards does the card offer? Pay special attention to how those rewards are earned. Are there, for instance, any special categories that earn additional points? How long are points good for? Do they expire? These are all questions you should consider.
- 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.
