Best Bank of America Credit Cards

As the second-largest U.S. bank by assets, Bank of America has the scale and influence to serve more than 66 million consumers and small business customers. Its card portfolio caters to just about everyone, from credit recovery to itinerant students to luxury travel card holders.

A Forbes consultant evaluated Bank of America’s credit card options by category to determine which was the best. Use our guide to find the right Bank of America credit card for your specific needs.

Best Bank of America Credit Card 2022.

Bank of America® Unlimited Cash Rewards Credit Card.

Online $200 cash reward bonus available after purchases of at least $1,000 within 90 days of opening your account.
Unlimited cash back of 1.5% on all purchases.
Preferred Rewards members can receive 25% -75% cashback on every purchase. This means you can receive 1.87% -2.62% cashback on every purchase as a Preferred Reward.
There is no annual fee.
There is no limit to the amount of cash you can earn, and cash rewards do not expire.
New Introductory Period! Introducing 18 billing cycles in April for 0% purchases and all balance transfers made within the first 60 days. When the introductory APR offer expires, a variable APR rate of 16.99% to 26.99% applies. A 3% fee (less than $10) applies to all balance transfers.
Contactless card – the security of a chip card and the convenience of use.
This online service may not be available if you leave this page or visit the Bank of America Financial Center. You can take advantage of this offer by applying now.

Bank of America® Credit Card .

New introductory period! APR introduces 21 payment cycles for 0% purchases and all balance transfers made within the first 60 days. When the introductory APR offer ends, a variable APR rate of 14.99% to 24.99% applies. A 3% fee (less than $10) applies to all balance transfers.
There is no annual fee.
There are no penalties here. Delinquency does not automatically result in higher interest rates. Other account rates and terms apply.
Get free access to your FICO ® points from your online banking app or mobile banking.
Contactless card – the security of a chip card and the convenience of use.
This online service may not be available if you leave this page or visit the Bank of America Financial Center. You can take advantage of this offer by applying now.

Bank of America ® Travel Rewards Credit Card.

No annual fee.
There are no foreign transaction fees.
Earn 25,000 online bonus points (equivalent to $250 in statements) after purchasing at least $1,000 within 90 days of opening your account.
Earn unlimited 1.5x points for each targeted purchase.
Reimburse with statement credits to reduce or cover airfare, hotel stays, vacation rentals, luggage costs and restaurant purchases (including takeout).
Get 0% APR for the first 15 billing cycles on purchases.

Secure credit card with Bank of America® personal cash rewards .

No annual fee.
Deposit between $300 and $4,900 to open an account.
Get 3% cashback on categories such as gasoline, online shopping, restaurants, travel, pharmacy or home improvement/furniture.
Renew the 3% category once a month.
Get 2% cashback on grocery stores and wholesale clubs and 1% cashback on all other eligible purchases.
The upper limit of 3% and 2% cashback for eligible purchases each quarter is $2,500.

Bank of America® Business Advantage Personalized Cash Rewards Take advantage of MasterCard® credit cards .

Make a net purchase of at least $3,000 within 90 days of opening your account and receive a $300 online statement bonus that doesn’t expire without annual fees.
You can get 3% cashback, 2% cashback, 1% cashback, and unlimited cashback on all other purchases from the list you choose.
Each year, you’ll receive 3% cashback and 2% cashback on your first $50,000 of additional category/food purchases, and then 1% cashback.
The introductory rate is 0% APR for purchases during the first 9 billing cycles. When the introductory APR offer ends, an APR range of 15.24% to 25.24% currently applies.
Use cash with a Bank of America® checking or savings account, credit card statement, or mailed check.
If you have a business checking account with Bank of America and qualify for the highest business priority rewards, you can get up to 75% more cashback on every purchase. That means you can earn up to 5.25% on select categories, up to 3.5% on food purchases for the first $50,000 in total annual purchases, and get unlimited cash back of up to 1.75% on all other purchases.

Individual cash awards for Bank of America® students .

There is no annual fee.
A $200 online cash rewards bonus is available after purchases of at least $1,000 within 90 days of opening your account.
Earn 3% cashback in your chosen category, 2% cashback at grocery stores and Wholesale Clubs (up to $2,500 for quarterly combined purchases in an additional category/Wine Cellar/Wholesale Club) and 1% unrestricted on other purchases.
0% introductory APR for 18 purchase billing cycles, and balance transfers made within the first 60 days have a subsequent 16.99% to 26.99% volatility. A 3% fee ($10 minimum) applies to all balance transfers.
Compensation has not expired.
If you are a Priority Reward member, you can receive 25-75% more cash back for each purchase.