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Bank of America credit cards might not be as flashy as those from big issuers like Chase and American Express, but that doesn't make them any less worthwhile. Bank of America offers a surprising number of cash-back, flexible points, and travel rewards credit cards worth considering, including personal and small-business credit card options.
Bank of America Credit Cards Frequently Asked Questions
What credit score do you need to apply for a Bank of America credit card?
You need good to excellent credit to qualify for the best Bank of America credit cards (most of the cards on this list) — meaning a FICO score of at least 670. Certain cards (such as the Bank of America® Business Advantage Unlimited Cash Rewards Credit Card and the Bank of America Business Advantage Customized Cash Rewards Credit Card) require you to have excellent credit (FICO score of at least 800).
How do you request a credit line increase with Bank of America?
You can request a credit line increase on eligible Bank of America credit cards when you sign into your Online Banking account, select your credit card, go to Account Summary, and click the "Request a credit line increase" link under Card Details.
How can you avoid paying interest on your Bank of America card?
The best way to avoid paying interest on your Bank of America card (as with all credit cards) is by paying your card in full and on time consistently. Just paying the monthly minimum won't prevent you from incurring interest on the remaining balance (interest is charged on your next statement).
If you struggle to remember to pay your balance every month, you can set up automatic payments through the Online Banking app or site.
Best for Flat-Rate Cash Back
Bank of America® Unlimited Cash Rewards Credit Card - Product Name Only
The Bank of America® Unlimited Cash Rewards Credit Card is an excellent choice for straightforward flat-rate rewards on all purchases. Cardholders get a generous welcome bonus and flexible redemption options for no annual fee. One of the greatest aspects of this card is the long 0% intro APR on balance transfers and purchases.
The no-annual-fee Bank of America® Unlimited Cash Rewards Credit Card earns unlimited 1.5% cash back on all purchases, which is great for folks looking for straightforward rewards. It has a Bank of America® Unlimited Cash Rewards Credit Card (then a Bank of America® Unlimited Cash Rewards Credit Card APR).
You can redeem cash back as a statement credit, deposits into an eligible Bank of America account, and credits to a qualifying Merrill account. Your rewards won't expire as long as your account is open and in good standing.
As with most BofA cards, new and existing cardholders can now activate a free year of Grubhub+ membership, which includes free delivery on orders over $12. However, the Bank of America® Unlimited Cash Rewards Credit Card doesn't offer many other perks (which is common for no-annual-fee cards). So if you're looking for significant travel or purchase benefits, you should consider a different rewards credit card. There are also foreign transaction fees, so it's not a good card for international purchases.
Bank of America® Customized Cash Rewards Credit Card - Product Name Only
The no-annual-fee Bank of America® Customized Cash Rewards Credit Card is a great cash-back card for customizable rewards (from a list) and earns a strong welcome bonus. Plus, it has flexible redemption options and a long intro APR on balance transfers and purchases.
The Bank of America® Customized Cash Rewards Credit Card earns 3% cash back in the category of your choosing (gas, online shopping, dining, travel, drug stores, or home improvement/furnishing). You'll also earn 2% back at grocery stores and wholesale clubs, and 1% cash back on all other purchases). However, the 3% and 2% rates only apply to the first $2,500 spent in combined purchases each quarter (then 1% cash back).
The card has a Bank of America® Customized Cash Rewards Credit Card (then a Bank of America® Customized Cash Rewards Credit Card APR).
Apart from a free year of GrubHub+ membership, the Bank of America® Customized Cash Rewards Credit Card doesn't offer many additional perks. Also, you'll be charged a foreign transaction fee, so it's not a good card to travel with.
Bank of America® Travel Rewards credit card - Product Name Only
The no-annual-fee Bank of America® Travel Rewards credit card offers simple flat-rate rewards on all purchases, a good welcome bonus, and a long 0% intro APR deal.
With the Bank of America® Travel Rewards credit card, you'll earn 1.5 points per dollar spent on all purchases, with no caps. Cardholders can redeem rewards points at a rate of 1 cent each for statement credits toward travel (such as hotels, airlines, motels, and timeshares) and dining purchases. You can also use points for non-travel redemptions like gift cards, direct deposit, check, or credit to an eligible Merrill account, but at a reduced rate.
The card comes with a Bank of America® Travel Rewards credit card (then a Bank of America® Travel Rewards credit card APR). The Bank of America® Travel Rewards credit card also doesn't have a foreign transaction fee, which makes it a decent option for international travel.
But if you're looking for travel insurance or perks, you're better off with a different travel rewards card.
Bank of America® Premium Rewards® credit card - Product Name Only
The Bank of America® Premium Rewards® credit card earns great rewards on all purchases (no cap) and offers a huge welcome bonus. It also comes with terrific travel benefits like baggage delay insurance and no foreign transaction fees.
With the Bank of America® Premium Rewards® credit card, you can earn an excellent welcome bonus and up to $200 in travel statement credits, for a modest Bank of America® Premium Rewards® credit card annual fee. It also has flexible redemption options and built-in travel benefits. Cardholders earn an unlimited 2x points on travel and dining purchases (1.5x points on all other purchases).
Bank of America® Premium Rewards® credit card cardholders receive up to $100 in airline incidental statement credits annually, up to $100 toward the Global Entry/TSA PreCheck application fee (every four years), and travel insurance protection. Plus, there are no foreign transaction fees which makes it a good card to travel overseas with.
Alaska Airlines Visa® Credit Card - Product Name Only
The Alaska Airlines Visa® Credit Card earns valuable Alaska Airlines miles with a simple earning structure. It comes with excellent perks for Alaska flyers and a huge welcome bonus, making the card well worth the Alaska Airlines Visa® Credit Card annual fee.
The Alaska Airlines Visa® Credit Card gets cardholders a large bonus, exclusive savings on travel, and unlimited 3 miles per dollar spent on eligible Alaska Airlines purchases, 2x miles on gas, local transit including rideshare, and cable and select streaming services, and 1x miles on all other purchases. Cardholders receive money-saving perks like an annual companion fare (from $122) after spending $6,000 or more within the prior year, 20% back on all Alaska Airlines inflight purchases, and priority boarding and a free checked bag on Alaska flights (worth $30) when you use the card to pay for your flight.
The Alaska Airlines Visa® Credit Card doesn't charge foreign transaction fees, which means it's a good option for international purchases.
Bank of America® Business Advantage Unlimited Cash Rewards Credit Card - Product Name Only
The Bank of America® Business Advantage Unlimited Cash Rewards Credit Card earns straightforward cash back on all purchases, with no category restrictions. Plus, it has a solid welcome bonus and decent perks for a no-annual-fee credit card. Cardholders also get $100,000 in travel accident insurance.
The no-annual-fee Bank of America® Business Advantage Unlimited Cash Rewards Credit Card is a great card for small businesses with expenses in a bunch of different categories. You'll earn unlimited 1.5% cash back on all purchases and a decent welcome bonus. Cash back is redeemable at any time as a statement credit, a check, direct deposit to a Bank of America checking or savings account, or as a credit to an eligible Merill investment account.
One notable perk is that you'll receive $100,000 in travel accident insurance. In addition, the Bank of America® Business Advantage Unlimited Cash Rewards Credit Card gets you auto rental insurance, emergency ticket replacement, lost-luggage assistance, overdraft protection, and legal/medical referrals while traveling.
But it has a shorter intro APR deal than the personal version of the card. New cardholders receive a Bank of America® Business Advantage Unlimited Cash Rewards Credit Card (then a Bank of America® Business Advantage Unlimited Cash Rewards Credit Card APR). Also, it charges foreign transaction fees (3%), so it's not an ideal card for traveling overseas.
Best Small Business Card With Customizable Rewards
Bank of America Business Advantage Customized Cash Rewards Credit Card - Product Name Only
The no-annual-fee Bank of America Business Advantage Customized Cash Rewards Credit Card earns customizable rewards in your highest eligible earning category (with a cap). Cardholders also receive a decent welcome bonus offer and perks.
Your business earns 3% cash back in the category of your choosing (from a list), 2% cash back on dining, and 1% cash back on all other purchases when you use the Bank of America Business Advantage Customized Cash Rewards Credit Card. The 3% and 2% earning rates are capped after you the first $50,000 spent in combined totals per calendar year (1% back then after).
You can choose which bonus category to earn 3% cash back in (gas stations, office supply stores, travel, TV/telecom/wireless, computer services, or business consulting services), and you can switch your earning category up to once a month. There are several options for redeeming rewards, including statement credits, checks, or direct deposit to an eligible BofA or Merill account.
New cardholders can take advantage of a Bank of America Business Advantage Customized Cash Rewards Credit Card (then a Bank of America Business Advantage Customized Cash Rewards Credit Card APR).
Bank of America Business Advantage Customized Cash Rewards Credit Card gets you auto rental insurance, emergency ticket replacement, lost-luggage assistance, overdraft protection, $0 liability protection, purchase protection, and extended warranty. There is a foreign transaction fee, so it's not a good card for international purchases.
Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card - Product Name Only
The Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card earns 3 points per dollar on travel booked through the Travel Site (1.5x flat-rate rewards on all other purchases), a large welcome bonus, and decent travel perks for no annual fee.
The no-annual-fee Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card earns 1.5 points per dollar spent on all purchases, as well as 3x points on travel (such as car rentals, airlines, and hotel bookings) through the Bank of America Travel Center, and a large welcome bonus.
Points are redeemable as cash, check, direct deposit, gift card, or credit to an eligible BofA/Merill account. The Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card also lets you redeem rewards on eligible travel and dining-related purchases (rate of 1 cent per point). Redemption categories include:
Airlines
Hotels
Trailer parks
Cruise lines
Zoos
Restaurants
Carnivals
Art galleries
Travel agencies
Although it gives cardholders access to a lot of different ways to redeem, determining what is eligible or not could potentially become tricky. So, if you're looking for straightforward point redemptions, you might consider a different travel rewards card.
The Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card has a Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card (then a Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card APR).
You'll also get accident insurance, lost luggage reimbursement, trip cancellation coverage, overdraft protection, and fraud protection. There are no foreign transaction fees, which means it's a good card to travel internationally with.
Earn More With the Bank of America Preferred Rewards Program
Bank of America cards are much more valuable if you're a member of Bank of America Preferred Rewards. The Bank of America Preferred Rewards program earns cardholders up to 75% more rewards and exclusive benefits on eligible Bank of America cards (not including co-branded cards like the Alaska Airlines Visa® Credit Card). You need at least $20,000 total in your Bank of America or Merrill (BofA's wealth management division) accounts to become a Preferred Rewards member.
Your reward rates and benefits are determined by your tier level.
Depending on your tier level, being a Preferred Rewards member can significantly increase the value of certain Bank of America credit cards. For example, the Bank of America® Unlimited Cash Rewards Credit Card earns up to 2.625% cash back on all purchases (1.5% normally).
