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Best Bank of America Credit Cards in 2024

Updated on:

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Bank of America<sup>®</sup> Customized Cash Rewards credit card

Bank of America^® Customized Cash Rewards credit card

Apply Now

on Bank Of America's secure site

Bank of America^® Customized Cash Rewards credit card

The Bank of America^® Customized Cash Rewards credit card is our top pick for the overall best Bank of America credit card. It charges a $0 annual fee, offers a generous sign-up bonus and comes with a flexible cash back program that lets you choose your 3% earning category from six different options.

Apply Now

on Bank Of America's secure site

Best Bank of America Credit Cards in 2024

Winner

Bank of America^® Customized Cash Rewards credit card

Apply Now

on Bank Of America's secure site
Intro APR

BankAmericard^® credit card

Learn More
Travel benefits

Bank of America^® Premium Rewards^® credit card

Apply Now

on Bank Of America's secure site
Beginners

Bank of America® Unlimited Cash Rewards Secured Credit Card

Learn More
Travel with no annual fee credit

Bank of America^® Travel Rewards credit card

Apply Now

on Bank Of America's secure site
Flat-rate cash back rewards

Bank of America^® Unlimited Cash Rewards credit card

Apply Now

on Bank Of America's secure site
College students

Bank of America® Customized Cash Rewards Credit Card for Students

Learn More
Building credit

Learn More
Airline miles

Alaska Airlines Visa Signature^® credit card

Learn More
Small business owners

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

Learn More

Bank of America issues a wide range of credit cards, including cash back credit cards, cards for college students, cards for business owners and more. The best one for you will depend on what type of annual fee, rewards rate, APR and sign-up bonus you’re looking for.

Bank of America also offers the Preferred Rewards program. With Preferred Rewards, members get special benefits based on qualifying combined balances in Bank of America deposit accounts and Merrill investment accounts. If you qualify and have an eligible credit card, that adds a 25%, 50% or 75% bonus to your card’s rewards rate.

Winner

Bank of America^® Customized Cash Rewards credit card

LendingTree's Review

4.6

LendingTree's Review

4.6

Apply Now

on Bank Of America's secure site

Earning rate: 1% to 3% cash back

3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.

Customizable cash back
Large sign-up bonus
$0 annual fee
Intro APR on balance transfers and purchases

Cash back cap on bonus categories
Foreign transaction fee

Sign-up bonus: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

The Bank of America^® Customized Cash Rewards credit card is a cash rewards credit card that offers you a flexible and valuable rewards rate. It lets you choose your top earning categories on a monthly basis. This is a great $0-annual-fee card for people whose expenses may vary throughout the year.

It comes with a generous sign-up bonus, solid intro APRs on purchases and balance transfers, and lets you switch your 3% cash back earnings between the following categories:

Gas
Online shopping
Cable, streaming, internet and phone services
Dining
Travel
Drugstores
Home improvement/furnishings

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and cash rewards don’t expire as long as your account remains open.
X% Intro APR for XX billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently XX.XX% - XX.XX% will apply. A X% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is X%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro APR on purchases and balance transfers

BankAmericard^® credit card*

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

Intro APR on balance transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days followed by a 15.74% - 25.74% Variable APR on balance transfers

Long intro APR on purchases and balance transfers
$0 annual fee

No rewards program
Foreign transaction fees
Minimal benefits

If you need to make a big purchase and want to enjoy a long interest-free period, or if you’re looking to transfer high-interest credit card debt, the BankAmericard^® credit card is an excellent choice.

It offers one of the longest intro APRs on purchases and balance transfers: 0% Intro APR for 18 billing cycles for purchases and 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After, a 15.74% - 25.74% Variable APR applies. You’ll get a year-and-a-half of no interest, providing plenty of breathing room to pay down your debt.

0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a 15.74% - 25.74% Variable APR will apply. A 3% fee applies to all balance transfers.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Access your FICO® Score for free within Online Banking or your Mobile Banking app.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

*The information related to the BankAmericard^® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Travel benefits

Bank of America^® Premium Rewards^® credit card

LendingTree's Review

3.9

Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> credit card

LendingTree's Review

3.9

Apply Now

on Bank Of America's secure site

Earning rate: 1.5X to 2X points

Earn 2 points for every $1 spent on travel and dining purchases. 1.5 points for every $1 spent on all other purchases.

Bonus points on travel and dining
High flat rate on other purchases
Generous sign-up bonus
Foreign transaction fee: None
Up to $100 in Airline Incidental Statement Credits annually
Global Entry/TSA PreCheck credit

$95 annual fee

Sign-up bonus: 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

If you frequently travel by air, the Bank of America^® Premium Rewards^® credit card might just be the credit card you want in your wallet — especially if you’re a Preferred Rewards member.

It comes with many travel perks that can cover its $95 annual fee. You’ll get a generous sign-up bonus, up to $100 in airline incidental statement credits annually, a statement credit for Global Entry/TSA Precheck and bonus rewards on travel and dining.

If you take full advantage of the annual travel credit, that’s more than enough value to recoup the annual fee.

Low $95 annual fee.
Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
No foreign transaction fees.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Beginners

Bank of America® Unlimited Cash Rewards Secured Credit Card*

LendingTree's Review

2.4

Bank of America® Unlimited Cash Rewards Secured Credit Card

LendingTree's Review

2.4

Review Coming Soon

Secure a high credit limit with no annual fee

$0 annual fee
High credit limit for a secured card ($5,000 maximum)
Simple rewards rate

Minimum $200 security deposit
No intro APR

The Bank of America® Unlimited Cash Rewards Secured Credit Card is an excellent choice for people who are new to building credit. With its $0 annual fee, you can get a solid start to your credit journey if you use the card responsibly. Plus, you’ll earn a high rate of cash back on every purchase that you make.

$0 annual fee
Earn unlimited 1.5% cash back on all purchases
Secure up to a $5,000 balance
Free monthly FICO score

*The information related to the Bank of America® Unlimited Cash Rewards Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Travel with no annual fee

Bank of America^® Travel Rewards credit card

LendingTree's Review

4.3

Bank of America<sup>®</sup> Travel Rewards credit card

LendingTree's Review

4.3

Apply Now

on Bank Of America's secure site

Earning rate: 1.5X points

Earn 1.5 points per $1 spent on all purchases.

Simple rewards on every purchase
Large sign-up bonus
$0 annual fee
Foreign transaction fees: None
Intro APR on purchases

Limited travel benefits
There are more rewarding travel rewards cards

Sign-up bonus: 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

The Bank of America^® Travel Rewards credit card is an easy-to-use travel rewards credit card with a $0 annual fee. You’ll earn a flat rewards rate, or an even higher rate if you’re a Bank of America Preferred Rewards^® member.

You can redeem your points for statement credits against travel purchases for a value of 1 cent per point. For example, 2,500 points would be worth $25 redeemed that way.

You can also redeem points for cash back, in which case they’re worth a little over half a cent each — 2,500 points translates to $15 worth of cash back. This is a subpar value, however, so we instead recommend redeeming points for travel credits to maximize what you’re getting from your rewards.

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 as long as your account remains open.
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.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
X% Intro APR for XX billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently XX.XX% - XX.XX% will apply. A X% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is X%.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Flat-rate cash back

Bank of America^® Unlimited Cash Rewards credit card

LendingTree's Review

4.6

Bank of America<sup>®</sup> Unlimited Cash Rewards credit card

LendingTree's Review

4.6

Apply Now

on Bank Of America's secure site

Earning rate: 1.5% cash back

Earn 1.5% cash back on all purchases.

Simple cash back on every purchase
Large sign-up bonus
$0 annual fee
Intro APR on balance transfers

Foreign transaction fees
There are higher earning cash back cards

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

The Bank of America^® Unlimited Cash Rewards credit card offers an elevated flat rewards rate, which is great for people who don’t want to keep track of bonus categories. This $0-annual-fee card also comes with a sign-up bonus and long intro APR on purchases and balance transfers.

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No annual fee.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
X% Intro APR for XX billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently XX.XX% - XX.XX% will apply. A X% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is X%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

College students

Bank of America® Customized Cash Rewards Credit Card for Students*

LendingTree's Review

4.9

Bank of America® Customized Cash Rewards Credit Card for Students

LendingTree's Review

4.9

Learn More

Earning rate: 1% to 3% cash back

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

Customizable cash back
Large sign-up bonus
$0 annual fee
Intro APR on purchases and balance transfers

Foreign transaction fees
Cap on bonus categories

Sign-up bonus: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

The Bank of America® Customized Cash Rewards Credit Card for Students is a unique student credit card with a customizable rewards rate. Most other student cards either have a flat rate or a tiered rate with permanent categories.

With the Bank of America® Customized Cash Rewards Credit Card for Students, you have an opportunity to build credit and earn cash back at the same time.

You can choose from the following categories for your 3% cash back category each month:

Gas
Online shopping
Dining
Travel
Drugstores
Home improvement/furnishings

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
No annual fee and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a 18.74% - 28.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

*The information related to the Bank of America® Customized Cash Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Airline miles and benefits

Alaska Airlines Visa Signature^® credit card*

LendingTree's Review

3.8

Alaska Airlines Visa Signature<sup>®</sup> credit card

LendingTree's Review

3.8

Learn More

Earning rate: 1X to 3X miles

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases including ride share. 1 mile for every $1 spent on all other purchases.

Bonus miles on Alaska airfare and everyday spending
Generous sign-up bonus
Companion fare offer
Additional perks for Alaska Airlines customers
Foreign transaction fees: None

$95 annual fee
Limited redemption options outside of Alaska Airlines

Sign-up bonus: Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

The Alaska Airlines Visa Signature^® credit card can be worth the $95 annual fee for frequent Alaska Airlines flyers. Its perks and sign-up bonus alone can cover the cost of the annual fee. You’ll get an annual companion fare from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more within the prior year. Plus, it has solid travel protections and no foreign transaction fees.

Alaska Airlines might not be as big a name in the travel world as, say, Delta, but it can still get you to numerous destinations throughout the United States, as well as Belize, Canada, Costa Rica and Mexico. However, because of its $95 annual fee, this card isn’t for the occasional traveler.

LIMITED TIME ONLINE OFFER—50,000 Bonus Miles!
Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
Plus, no foreign transaction fees and a low $95 annual fee.
This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

*The information related to the Alaska Airlines Visa Signature^® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business owners

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

LendingTree's Review

3.2

Bank of America<sup>®</sup> Business Advantage Customized Cash Rewards Mastercard<sup>®</sup> credit card

LendingTree's Review

3.2

Learn More

Earning rate: 1% to 3% cash back

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

Customizable cash back
Generous sign-up bonus
$0 annual fee
Intro APR on purchases

Foreign transaction fees
Cap on bonus categories

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

The Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card offers customizable categories for business owners whose expenses change frequently. For a $0 annual fee card, it also offers a decent sign-up bonus.

Going through a period where you have to drive a lot for business trips? Select the gas station category to earn 3% on. No longer driving as much? Perhaps earning 3% back at office supply stores instead would be a better fit.

Here’s the full list of categories you can select from for 3% cash back:

Gas stations
Office supply stores
Travel
TV, telecom and wireless
Computer services
Business consulting services

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee
Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% - 28.49% Variable APR will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

*The information related to the Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

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Side-by-side comparison of the best Bank of America credit cards

Credit Cards	Our Ratings	Welcome Offer	Rewards Rate	Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Bank of America^® Customized Cash Rewards credit card Apply Now on Bank Of America's secure site	4.6 Winner	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening	3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.	Good / Excellent	Apply Now on Bank Of America's secure site
BankAmericard^® credit card* Learn More	4.6 Intro APR on purchases & balance transfers	N/A	N/A	Good / Excellent	Learn More
Bank of America^® Premium Rewards^® credit card Apply Now on Bank Of America's secure site	3.9 Travel	60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.	2 points for every $1 spent on travel and dining purchases. 1.5 points for every $1 spent on all other purchases.	Good / Excellent	Apply Now on Bank Of America's secure site
Bank of America® Unlimited Cash Rewards Secured Credit Card* Review Coming Soon	2.4 Beginners	N/A	unlimited 1.5% cash back on all purchases	N/A	Review Coming Soon
Bank of America^® Travel Rewards credit card Apply Now on Bank Of America's secure site	4.3 Travel with no annual fee	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	1.5 points per $1 spent on all purchases.	Good / Excellent	Apply Now on Bank Of America's secure site
Bank of America^® Unlimited Cash Rewards credit card Apply Now on Bank Of America's secure site	4.6 Flat-rate cash back	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening	1.5% cash back on all purchases.	Good / Excellent	Apply Now on Bank Of America's secure site
Bank of America® Customized Cash Rewards Credit Card for Students* Learn More	4.9 College students	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening	3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.	Good / Excellent	Learn More
Alaska Airlines Visa Signature^® credit card* Learn More	3.8 Airline miles & benefits	50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.	Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases including ride share. 1 mile for every $1 spent on all other purchases.	Good / Excellent	Learn More
Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card* Learn More	3.2 Small business owners	Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.	Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases	Excellent	Learn More

*The information for the BankAmericard^® credit card, Bank of America® Unlimited Cash Rewards Secured Credit Card, Bank of America® Customized Cash Rewards Credit Card for Students, Alaska Airlines Visa Signature^® credit card and Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

Bank of America credit card benefits

If you choose a Bank of America credit card, there are some benefits that come along with it that you may not find at other banks.

1. Earn more rewards as a Preferred Rewards member

If you’re a Bank of America Preferred Rewards^® member, you can earn 25% to 75% more rewards with some credit cards.
2. Customize your rewards categories

Bank of America offers credit cards, like the Bank of America^® Customized Cash Rewards credit card, that let you choose which spending categories you earn the most on. Some issuers offer similar cards, but Bank of America is unique since it offers this feature on several different types of cards. This includes student cards (Bank of America® Customized Cash Rewards Credit Card for Students) and credit-building cards ().
3. Check your credit score

You can check your FICO® Score on your Bank of America app or online.
4. $0 liability guarantee

All Bank of America credit cards have a $0 liability guarantee. This means you’re not responsible for any fraudulent transactions, as long as you report them promptly.
5. Overdraft protections

You can enroll in Bank of America’s Balance Connect®, which lets you connect up to five other Bank of America accounts to help you automatically cover any exceeding transactions.

How to apply for a Bank of America credit card

You can apply for a Bank of America credit card online or in-branch. To apply online:

Visit bankofamerica.com and choose the credit cards option.
Then select the card you’re interested in applying for to be taken to the application form.
Once you start the application, you can save it for later if you can’t finish it right away.
Once you submit your application, you should receive a response from Bank of America right away with the next steps.

Just be aware that Bank of America has a 2/3/4 rule that limits the number of cards you can open in a certain time period. This only applies to Bank of America consumer cards:

You can only get approved for two new cards in a 30-day period
You can only get approved for three new cards in a 12-month period
You can only get approved for four new cards in a 24-month period

What is the Bank of America Preferred Rewards® program?

Bank of America offers a rewards program for existing Bank of America and Merrill clients known as Preferred Rewards. Once enrolled, you can get special benefits with Bank of America, depending on your qualifying balance in a Bank of America or Merrill investing account:

Gold tier: $20,000 to less than $50,000
Platinum tier: $50,000 to less than $100,000
Platinum Honors tier: $100,000 to less than $1,000,000
Diamond tier: $1,000,000 to less than $10,000,000

Benefits include higher rewards rates on some Bank of America credit cards. You can earn 25% to 75% more rewards, depending on your tier. If you’re an existing Preferred Rewards member, that may make some Bank of America cards more attractive options.

How to choose the best Bank of America credit card

With a variety of credit cards to choose from, it could be challenging to narrow down the best one for you.

Consider these factors when sorting through Bank of America’s list of credit cards:

Secured vs. unsecured: People looking to build credit should go with one of Bank of America’s secured credit cards. A secured card can help you build credit and qualify for a more robust credit card later on. However, if you have a solid credit history, then you should go with an unsecured credit card.
Cash back vs. travel: If you’re a frequent traveler, then a travel credit card may make more sense for you instead of a cash back credit card. Redeeming travel rewards can often be more valuable — plus, travel cards come with travel-related benefits, like travel protections and no foreign transaction fees. But if you rarely travel, then a cash back card might be the way to go to earn rewards on everyday spending.
Flat-rate vs. customizable rewards: Bank of America is unique because it offers customizable rewards rates on some cards, which is hard to come by. With customizable rewards, you can choose a spending category to earn 3% in — and you can change your category every month. That can be more valuable if you choose wisely, but also a hassle to deal with. If you don’t want to keep track of bonus categories, consider a Bank of America rewards credit card that offers 1.5% on all purchases.
No annual fee vs. annual fee: Decide whether you want to dish out an annual fee. Cards with annual fees typically come with more benefits, like travel perks and better sign-up bonuses. If you’re thinking an annual fee credit card, make sure you can get enough value from the perks and credits to make up for the fee. Otherwise, stick to a no annual fee credit card.

Frequently asked questions

That’ll depend on which Bank of America credit card you have. For example, the Bank of America^® Customized Cash Rewards credit card earns cash back. Meanwhile, the Bank of America^® Travel Rewards credit card earns points and the Alaska Airlines Visa Signature^® credit card earns miles.

If you have limited credit history or no credit history, or if your credit score is poor or fair, you might want to apply for a secured credit card. With a secured card, you submit a security deposit to the issuer, and this protects them in case you default on what you owe. For that reason, secured cards are typically easier to get than unsecured cards.

Bank of America offers multiple secured cards, including the Bank of America® Customized Cash Rewards Secured Credit Card. This card offers the opportunity to build credit while earning cash back. However, be aware that even though secured cards are often easier to get approved for, you can still be denied for a secured card.

That depends on the specific Bank of America credit card you’re applying for. The Bank of America^® Premium Rewards^® credit card, for instance, requires good / excellent credit. But if you’re applying for the Bank of America® Customized Cash Rewards Secured Credit Card, the requirements might not be as stringent. Secured cards are often available to people with bad credit or no credit history.

The type of card you have will determine how you can redeem your rewards. For example, with a Bank of America cash back card, your rewards can be redeemed for:

A statement credit
A deposit into a Bank of America or eligible Merrill checking or savings account (including 529 accounts)
Gift cards
Toward purchases made through the Bank of America Travel Center

If you have a Bank of America travel card that earns points, those rewards can be redeemed for:

Travel credits against certain travel-related purchases
Cash rewards (starting at 2,500 points)
Gift cards
Timeshares
Motels and more

Just refer to each card’s terms and conditions webpage that spells out exactly how the rewards program works.

And, of course, if you choose a Bank of America airline card, miles earned can be redeemed for airfare and related travel purchases.

Methodology

We evaluated the credit cards offered by Bank of America and considered several factors. For example, many of the cards on this list earn rewards — cash back, points or miles. Similarly, sign-up bonuses were also considered in the selection process.

In addition, many of the cards here also offer 0% intro APR periods on purchases and/or balance transfers. If you need to make a big purchase or transfer debt you’re carrying on another card, an intro APR period is useful.

Other factors weighed included helpful benefits, like travel credits and companion fares.

Finally, most of the cards on this list charge no annual fee, and those that do charge an annual fee offer enough value to make the card worth the fee.

The information related to the BankAmericard^® credit card, Bank of America® Unlimited Cash Rewards Secured Credit Card, Bank of America® Customized Cash Rewards Credit Card for Students, Alaska Airlines Visa Signature^® credit card, Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card and Bank of America® Customized Cash Rewards Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Glen Luke Flanagan

Expertise: Personal finance, credit scoring, credit cards
Education: Radford University, East Carolina University

Glen Luke Flanagan is a former senior credit card writer for LendingTree. He joined the team in June 2019, and covered topics that included new credit cards, how your credit score works and what you need to know about credit card interest.

Before joining LendingTree, Glen worked in journalism and government communications. As a journalist at newspapers in North Carolina and South Carolina, his reporting won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.

Glen earned his bachelor’s degree in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. He also earned a master’s degree in English with a concentration in technical and professional communication, as well as a graduate certificate in marketing, from East Carolina University in May 2022.

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