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Bank of America® Unlimited Cash Rewards Credit Card
Bank of America® Unlimited Cash Rewards Credit Card
- 18.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 18.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 21.24% to 31.24% variable based on creditworthiness and Prime Rate Cash Advance APR
- 0% for 15 billing cycles Intro Purchase APR
At a Glance
The Bank of America® Unlimited Cash Rewards Credit Card offers an unlimited 1.5% back, two lengthy 0% APR periods, and a $200 statement credit offer – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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: 18.24% to 28.24% 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: 18.24% to 28.24% 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: 21.24% to 31.24% 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
- You already bank with Bank of America
- You want a simplified cash back rewards system
- You plan on carrying a balance
- You don’t want to pay an annual fee
Bank of America® Customized Cash Rewards Credit Card
Bank of America® Customized Cash Rewards Credit Card
- 18.24% to 28.24%, variable based on creditworthiness and Prime Rate Regular Purchase APR
- 18.24% to 28.24%, variable based on creditworthiness and Prime Rate Balance Transfer APR
- 21.24% to 31.24% variable based on the Prime Rate Cash Advance APR
- 0% for 18 billing cycles from account opening date Intro Purchase APR
At a Glance
The Bank of America® Cash Rewards Credit Card boasts impressively flexible cash rewards on purchases in the category of your choice, on top of cash back for groceries and other everyday purchases. This card also offers an attractive introductory APR for purchases and balance transfers, making it a great all-around rewards card for those with dynamic purchase habits.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 18 billing cycles from account opening date
- Regular Purchase APR: 18.24% to 28.24%, variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 billing cycles on transfers made within 60 days from account opening date
- Balance Transfer APR: 18.24% to 28.24%, 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: 21.24% to 31.24% 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
- You want the flexibility to choose your cash back category from month to month
- You’re looking for a generous rewards credit card with no annual fee
- You plan to take advantage of the long introductory APR period with a significant purchase or balance transfer
- You have a Bank of America checking or savings account and qualify for a Preferred Rewards membership
Bank of America® Travel Rewards Credit Card
Bank of America® Travel Rewards Credit Card
- 18.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 18.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 21.24% to 31.24% variable based on creditworthiness and Prime Rate Cash Advance APR
- 0% for the first 18 billing cycles from account opening date Intro Purchase APR
At a Glance
Offered primarily to individuals who suffer from occasional wanderlust, the Bank of America® Travel Rewards Credit Card makes it easy to get out and see the world. It compensates you for everyday purchases with points you can easily redeem towards your next adventure, without the hassle of annual or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 18 billing cycles from account opening date
- Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for the first 18 billing cycles from account opening date
- Balance Transfer APR: 18.24% to 28.24% 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: 21.24% to 31.24% 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
- You’re a casual traveler that likes to take a couple of trips each year but don’t need a hardcore travel card
- You wish to earn rewards on any purchases that can go toward your next vacation
- You’re looking for a travel credit card with no annual or foreign transaction fees
- You plan to make a large purchase that may require multiple payments that can benefit from the introductory APR
Bank of America® Premium Rewards® Credit Card
Bank of America® Premium Rewards® Credit Card
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.24% to 30.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Bank of America® Premium Rewards® Credit Card earns its “Premium” designation by showering customers with travel perks, introductory bonuses, and points rewards. Whether you travel for business or pleasure on a fairly regular basis, this card can help you get around in style and comfort without an unreasonable price tag.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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: 20.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 27.24% 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: 23.24% to 30.24% 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
- You regularly use a credit card to make travel or dining purchases
- You’re interested in travel insurance for vacations or business trips
- You want to enroll in TSA Pre? ® or Global Entry Services, as well as other airline privileges
- You’re looking for a credit card to use abroad without foreign transaction fees
- You can take advantage of a curated list of luxury hotel properties with unique benefits provided by Visa
Bank of America® Premium Rewards® Elite Credit Card
Bank of America® Premium Rewards® Elite Credit Card
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.24% to 30.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Bank of America® Premium Rewards® Elite Credit Card provides members big points, big credits, and more for a $550 annual fee. The card earns 2X points on travel and dining, plus 1.5X on all other purchases, but that rewards rate increases by up to 75% depending on the cardholder’s Preferred Rewards tier.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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: 20.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 27.24% 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: 23.24% to 30.24% 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
- You already bank with Bank of America
- You travel often and spend heavily to maximize points
- You want essential luxury travel perks, like TSA Precheck and lounge access
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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 in select categories. Those categories are travel and dining, with the travel category encompassing the following:
| Airline, bus, and cruise tickets | Auto and boat rentals | Tours and attractions |
| Taxis, tolls, and parking garage fees | Hotels, timeshares, and campground rentals | |
Redeeming Premium Rewards is also straightforward, with the following options available:
| Statement credits | Cash back into a Bank of America account | Credits for Merril investments | Travel Center gift cards |
Premium Rewards Credit Cardholders also receive additional travel perks and benefits. These include:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement |
| Roadside Dispatch and Auto Collision Damage Waiver | Lost/Stolen Card Reporting | ID Navigator from Norton |
| Luxury Hotel Collection | Travel & Emergency Assistance | Extended Warranty Coverage |
| Visa Signature Concierge |
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:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement |
| Roadside Dispatch and Auto Collision Damage Waiver | Lost/Stolen Card Reporting | ID Navigator from Norton |
| Luxury Hotel Collection | Travel & Emergency Assistance | Extended Warranty Coverage |
| Visa Signature Concierge |
FAQs About Bank of America
- You can contact BoA customer service at 1 (800) 732-9194. The agents can help with disputes, bill and account management, closing accounts, and more.
- Bank of America typically uses Experian for checking credit. That said, they may use any of the big three, Equifax, Experian, or TransUnion.
- Bank of America says you will receive your card within 10 business days after you’re approved. There is no option for expediting, but the company may provide an instant card number on select co-branded cards
- Getting cash with your credit card is known as a cash advance. This process works in the same way as a debit card withdrawal, but with set limits on how much you can pull (usually around 20% of your credit limit), higher than average interest rates, and fees.
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