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You have to admire the diverse lineup of credit cards offered by Bank of America. This established financial institution seems to offer a credit card to suit just about any consumer or small-business owner.
Whether you’re looking for a travel or rewards-earning credit card to fund your next family vacation, an airline-branded card, credit cards that earn cash-back, or cards for your small business, Bank of America has a card that will fit your spending profile.
You’ll also find cards for consumers just starting out, cards with no annual fees, and 0% APR period cards that help you repay a large purchase over time or transfer balances from high-interest credit cards.
Allow us to help you sort through the extensive collection of credit cards that Bank of America has to offer and give you our suggestions for credit cards in each category.
For a limited time, earn 70,000 bonus miles plus Alaska’s Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) after spending $3,000 within the first 90 days of opening your account
Annual fee of $95
3x miles per $1 spent on Alaska purchases
Annual companion fare
Free checked bag for you and up to 6 traveling companions
20% back on Alaska inflight purchase
Allegiant World Mastercard®
Earn 15,000 Bonus Points after spending $1,000 in the first 90 days of account opening
Annual fee of $59
Buy 1, get 1 free airfare — when you use your card to purchase a vacation package from Allegiant with 4 or more hotel nights or 7 or more rental car days on the same itinerary
3x points per $1 on Allegiant purchases (air, hotel, and car rental)
2x points per $1 on qualifying dining purchases
Free Spirit® Travel Mastercard®
Earn 10,000 Bonus Points after spending $500 in the first 90 days of account opening
Annual fee of $0
2x points per $1 on Spirit purchases
25% rebate on all inflight food and beverage purchases
Automatic Zone 2 Shortcut boarding on all flights
5,000 bonus points each anniversary after making at least $10,000 in purchases within the prior anniversary year
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$0
3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (your category can be changed each month)
2% cash-back at grocery stores and wholesale clubs
Earn a $200 cash rewards bonus after spending $1,000 in the first 90 days of account opening
Annual fee of $0
1.5% cash back on all purchases
0% Intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account.
Best Bank of America Credit Card for Earning Rewards
The Bank of America® Premium Rewards® Card is a solid rewards-earning credit card that holds its own in the market against similar cards such as the Chase Sapphire Preferred® Card. While the Bank of America Premium Rewards card has travel and dining as its bonus-earning categories, that’s just icing on the cake because you earn 1.5 points per dollar on all other purchases.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.
The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.
Earn 50,000 bonus points after you spend at least $3,000 in purchases in the first 90 days of account opening.
50,000 points
$500
$95
18.24% - 25.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
From travel and purchase protections to airline incidental and Global Entry credits, there is plenty to love about the Bank of America Premium Rewards card.
Plus, those that hold status in the Bank of America Preferred Rewards program can get even more value from the card by boosting their rewards by 25% to 75%!
Pros
2x points per $1 on travel and dining purchases
1.5x points per $1 on all other purchases
Up to $100 annual airline incidental statement credit
Global Entry/TSA PreCheck statement credit
No foreign transaction fees
Travel protections
Purchase protections
Boost your rewards rate with the Bank of America Preferred Rewards program
Cons
$95 annual fee
Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions via airline and hotel transfer partners
Receive 50,000 online bonus points – a $500 value – after you make at least $3,000 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.
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.
No limit to the points you can earn and your points don’t expire.
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.
No foreign transaction fees.
Low $95 annual fee.
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.
Although the card is marketed as a rewards credit card with an everyday earning at a rate of 1.5 points per dollar, it functions more like a travel rewards card. It earns 2 points per dollar spent on travel (and dining), and you can redeem your points for travel via the Bank of America Travel Center. Or, you can purchase your travel elsewhere, earn 2 points per dollar, and redeem your points for a statement credit against your purchase.
You’ll have several other options at redemption time, including statement credits, gift cards, or 1 cent per point transferred to an eligible Bank of America bank account.
One big drawback of the card is that the points are not transferable to any travel partners such as hotel or airline programs.
Bottom Line: Although the Bank of America Premium Rewards card earns rewards on every purchase, its bonus earnings on travel and travel redemption options make it a great travel rewards credit card.
Best Ultra-premium Bank of America Credit Card
One of Bank of America’s newest credit cards is an ultra-premium product. The Bank of America® Premium Rewards® Elite Credit Card is currently offering a generous welcome bonus and has great ongoing rewards and benefits for its cardholders.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A premium rewards credit card with straightforward earning and redeeming, with luxury perks such as airport lounge access.
A premium rewards credit card with straightforward earning and redeeming, with luxury perks such as airport lounge access.
Earn 50,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of account opening
50,000 points
$500
$550
18.24%-25.24% Variable
The Bank of America® Premium Rewards® Elite Credit Card is the bank’s most premium travel rewards credit card.
While it has quite a large annual fee of $550, it also comes loaded with benefits that frequent travelers are sure to love, such as airport lounge access, $450 in annual statement credits, travel protections, and a 20% boost to point value when redeeming for airfare.
Plus, those with status in the Bank of America Preferred Rewards program can really boost the value they receive from the card by earning 25% to 75% more points on all of their purchases.
Boost your rewards rate with the Bank of America Preferred Rewards program
20% boost to your point value when redeeming for airfare
Visa Infinite benefits
Cons
$550 annual fee
No access to travel transfer partners to help you get outsized value for your points
50,000 online bonus points — a $500 value — after you make at least $3,000 in purchases in the first 90 days of account opening
Earn unlimited 2 points for every dollar spent on travel and dining purchases and unlimited 1.5 points per dollar on all other purchases. There’s no limit to the points you can earn, and points don’t expire.
Receive up to $300 annually in Airline Incidental Statement Credits for qualifying purchases such as seat upgrades, baggage fees, airline lounge fees and in-flight services
Save 20% on domestic or international airfare for any class when you pay with points
Preferred Rewards members earn 25% to 75% more points on every purchase
This credit card earns 2x points on travel and dining with no caps, as well as 1.5x points on other purchases. It also offers up to $550 in automatic statement credits:
$300 in airline incidentals statement credits
$150 for lifestyle conveniences such as streaming, food delivery, fitness subscriptions, and rideshare services
You’ll enjoy a complimentary Priority Pass Select membership, as well as our personal favorite travel benefit from this card: a 20% savings on domestic or international airfare when you pay with points.
Therefore, you can get up to 1.25 cents per point of value. And with the ability to earn up to 3.5x points when leveraging the maximum 75% rewards bonus from Preferred Rewards, you’d get a return on spending of up to 4.375% without having to worry about searching for award availability!
Best Bank of America Credit Cards for Travel
In contrast to the Bank of America Premium Rewards card, Bank of America travel rewards cards do not earn bonus points on travel purchases. The cards do, however, earn 1.5 points per dollar spent on all purchases.
When it comes time to redeem your points, you can redeem them for a statement credit against your travel purchases at a rate of 1 cent per point.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Bank of America Travel Rewards card is a great option for those who want an easy way to earn travel rewards without paying an annual fee.
The Bank of America Travel Rewards card is a great option for those who want an easy way to earn travel rewards without paying an annual fee.
Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening.
25,000 points
$250
$0
0% Introductory APR for 18 billing cycles for purchases. After the intro APR offer ends, 16.24% - 26.24% variable will apply.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
The card makes earning points and redeeming them for travel super easy for cardholders.
Pros
1.5x points per $1 you spend on all purchases
No annual fee
No foreign transaction fees
Boost your rewards rate with the Bank of America Preferred Rewards program
Cons
Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions
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.
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.
New longer intro period! 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, 16.24% – 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
If you’re a 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.
Financial Snapshot
APR: 0% Introductory APR for 18 billing cycles for purchases. After the intro APR offer ends, 16.24% - 26.24% variable will apply.
Note that statement credits can only be redeemed for travel purchases and there are no bonus points for travel purchases.
Best Bank of America Airline Credit Cards
The airline credit cards offered by Bank of America are designed specifically for consumers frequenting the branded airline, as those are the consumers who will benefit the most from using these cards.
While all of Bank of America’s airline credit cards typically charge an annual fee, the initial welcome bonus typically offsets the annual fee in the first year. Beyond the first year, you’ll have to determine the card’s value based on how many miles you’ve earned and whether the benefits outweigh the ongoing annual fee.
One of the most popular Bank of America credit cards is the Alaska Airlines Visa Signature® Credit Card. It usually offers a generous welcome offer and its Famous Companion Fare benefitis a favorite among Alaska Airlines flyers. Also, Bank of America does not limit receiving the sign-up bonus to once in a lifetime as some other card issuers do.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Provides the potential to earn plenty of miles to fly with Alaska Airlines or over a dozen partners. Plus, get an annual companion fare from just $122 ($99 fare plus taxes and fees from $23)!
Provides the potential to earn plenty of miles to fly with Alaska Airlines or over a dozen partners. Plus, get an annual companion fare from just $122 ($99 fare plus taxes and fees from $23)!
Get a $100 statement credit, 50,000 Bonus Miles and Alaska’s Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) after you make $2,000 or more in purchases within the first 90 days of your account opening.
$100 statement credit + 50,000 bonus miles + Alaska's Famous Companion Fare™
$1,000
$95
18.24% - 26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
With the Alaska Airlines Visa Signature® credit card in your wallet, you could get great perks and earn miles at the same time. This is a win-win if Alaska is the airline you prefer to fly with! Plus, its annual companion fare is a great benefit for traveling couples.
Pros
3x miles per $1 spent on Alaska purchases
2x miles per $1 spent on eligible gas, local transit (including rideshare), cable, and select streaming services
1x mile per $1 spent on all other purchases
Annual companion fare
Free checked bag for you and up to 6 traveling companions
20% back on Alaska inflight purchase
Cons
$95 annual fee
LIMITED TIME ONLINE OFFER — $100 statement credit, 50,000 bonus miles plus Alaska’s Famous Companion Fare™!
Get a $100 statement credit, 50,000 Bonus Miles and Alaska’s Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) after you make $2,000 or more in purchases within the first 90 days of your account opening.
Alaska’s Famous Companion Fare™. Every year on your credit card account anniversary you’ll receive a companion fare which allows you to book a companion flight from $122 ($99 fare plus taxes and fees from $23). Valid on all Alaska Airlines flights booked on alaskaair.com.
Free checked bag for you and up to 6 guests on the same reservation – that’s a savings of $60 per person roundtrip!
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, local transit (including rideshare), cable, and select streaming services, and unlimited 1 mile for every $1 spent on all other purchases. And, your miles don’t expire on active accounts.
10% reward bonus on all miles earned on card with an eligible Bank of America checking, savings, or investment account.
Priority boarding on Alaska Airlines when tickets are purchased with card.
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.
Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
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 rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Allegiant World card offers more points, priority boarding, and a free onboard drink for frequent Allegiant flyers.
The Allegiant World card offers more points, priority boarding, and a free onboard drink for frequent Allegiant flyers.
15,000 Bonus Points online offer – equal to $150 off a future Allegiant trip, after you make $1,000 or more in purchases within the first 90 days of account opening.
15,000 points
$59
16.74%-24.74% Variable
The Allegiant World card is a solid option for frequent Allegiant flyers thanks to perks like priority boarding, a free onboard drink, and the buy one, get one free flight offers when you purchase an Allegiant vacation package.
Pros
3x points per $1 spent on Allegiant purchases
2x points per $1 spent on dining purchases
1x point per $1 spent on all other purchases
Priority boarding
1 free beverage every time you fly
Buy one, get one free airfare any time you use your card to purchase a vacation package from Allegiant
Cons
$59 annual fee
Does not earn transferable rewards
15,000 Bonus Points online offer – equal to $150 off a future Allegiant trip – after you make $1,000 or more in purchases within the first 90 days of account opening.
Buy one, get one free airfare — anytime you use your card to purchase a vacation package from Allegiant with 4 or more hotel nights or 7 or more rental car days on the same itinerary.
Earn 3 points per $1 on Allegiant purchases (air, hotel, and car rental), 2 points per $1 on qualifying dining purchases, and 1 point per $1 on all other purchases.
Points can be redeemed for airfare, hotels, and car rentals on Allegiant.com.
No blackout dates, no destination restrictions, and no minimum points redemption.
Complimentary priority boarding every time you fly Allegiant when you present your Allegiant credit card.
1 free beverage every time you fly Allegiant when you present your Allegiant credit card.
No foreign transaction fees and a low $59 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 rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Free Spirit card is a solid choice for Spirit frequent flyers who want a no-annual-fee card.
The Free Spirit card is a solid choice for Spirit frequent flyers who want a no-annual-fee card.
Earn 10,000 Bonus Points after spending at least $500 on purchases in the first 90 days of account opening
10,000 points
$0
15.99% to 23.99% variable
Spirit flyers are used to receiving little to no benefits on their flights. After all, the carrier requires you to pay for carry-on baggage, seat selection, beverages, and just about everything else.
While this is the price you pay for low-cost fares, the experience can be frustrating at times. Fortunately, having the Free Spirit® Travel Mastercard® can help elevate your Spirit flight experience thanks to the numerous benefits that the card offers.
Pros
2x points per $1 on Spirit purchases
1x point per $1 on all other purchases
Get a 25% rebate on all inflight food and beverage purchases
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Free Spirit World Elite card is a perfect option for frequent Spirit flyers that want benefits like priority boarding and inflight discounts.
The Free Spirit World Elite card is a perfect option for frequent Spirit flyers that want benefits like priority boarding and inflight discounts.
Earn 40,000 bonus points + a $100 Companion Flight Voucher Offer after making at least $1,000 in purchases within the first 90 days of account opening
40,000 points
$0 Introductory Fee for the first year. After that, $79.
15.99% to 23.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The information regarding the Free Spirit® Travel More World Elite Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Being that Spirit is a low-cost carrier, it might feel easy to overlook the Free Spirit® Travel More World Elite Mastercard®, especially since it charges an annual fee. But if you’re someone who flies with Spirit Airlines often, then this is a card that can definitely make a lot of sense to add to your wallet.
Online Offer: 40,000 bonus points + a $100 Companion Flight Voucher Offer after making at least $1,000 in purchases within the first 90 days of account opening
Earn 3 points per $1 spent on eligible Spirit purchases, 2 points per $1 spent on eligible dining and grocery store purchases, 1 point per $1 spent on all other purchases.
No redemption fees as a primary cardholder, no limit to the points you can earn, and no points expiration as long as your account is open.
Anniversary Bonus. Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior year.
Additional Cardholder Benefits: Zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases when you pay with your card.
Special Introductory Annual Fee: enjoy an introductory annual fee of $0 for the first year; a $79 fee will apply thereafter.
Cash-back is the most flexible type of reward you can earn, and these cards make it easy to start earning cash-back on every purchase you make. If you spend $2,500 per quarter at gas stations, grocery stores, and wholesale clubs, you’ll maximize the bonus category earnings on these cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.
The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
$0
0% Intro APR for 18 billing cycles for purchases. Variable rate of 16.24% - 26.24% applies thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re looking to the rake in the cash-back rewards, then the Bank of America® Customized Cash Rewards Credit Card is a great option. Not only do you get to choose the 3% category for the card, but you can also boost the cash-back you earn by being a member of the Bank of America Preferred Rewards program.
Pros
3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (your category can be changed each month)
2% cash-back at grocery stores and wholesale clubs
1% cash-back on all other purchases
No annual fee
Boost your rewards rate with the Bank of America Preferred Rewards program
Cons
3% and 2% cash-back categories are limited to the first $2,500 in combined purchases each quarter, then you’ll earn 1%
Charges a foreign transaction fee
$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 quarterly purchases) and unlimited 1% on all other purchases.
If you’re a 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 no expiration on rewards.
New longer intro period! 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, 16.24% – 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
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.
Financial Snapshot
APR: 0% Intro APR for 18 billing cycles for purchases. Variable rate of 16.24% - 26.24% applies thereafter.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
$0
0% Intro APR for 18 billing cycles for purchases. 16.24% - 26.24% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
$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 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.
New longer intro period! 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, 16.24% – 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
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.
Financial Snapshot
APR: 0% Intro APR for 18 billing cycles for purchases. 16.24% - 26.24% variable thereafter.
Earn a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Unlimited 1.5% cash-back on all purchases
No annual fee and no foreign transaction fees
Limited bonus-earning categories
The Alaska Airlines Business card is a favorite with a generous welcome bonus and a $99 annual Companion Fare ticket (plus taxes). If you fly Alaska Airlines a few times a year, the card could make sense for your business, as miles will add up quickly.
You’ll want to pay close attention to the bonus-earning categories on these cards to make sure they match up with the mix of your spending for business expenses.
If your business spends a lot at gas stations, you might consider the Bank of America Business Advantage Customized Cash card with its 3% cash-back in that spending category. Or if your business spends a lot on travel, the Bank of America Business Advantage Travel card might be a better fit.
For example, since the Bank of America Business Advantage Travel card earns 3 points per dollar spent on travel via the Bank of America Travel Center, your business can purchase travel there, then subsequently redeem points for a statement credit to offset the travel expense.
If you’re mainly looking for a no-fuss, flat-rate cash-back card, then earning 1.5% cash-back on every purchase you make with the Bank of America Business Advantage Unlimited Cash card would be a great choice.
Best Bank of America Credit Cards With No Annual Fee
Annual credit card fees can add up quickly, so if you can find a card that earns rewards, cash-back, or other valuable benefits and it doesn’t charge an annual fee, that’s a big positive. Bank of America offers a large selection of credit cards with no annual fees:
BankAmericard® Credit Card
BankAmericard® Credit Card for Students
Bank of America Business Advantage Customized Cash card
Bank of America Business Advantage Travel card
Bank of America Cash Rewards card
Bank of America Cash Rewards Student card
Bank of America Travel Rewards card
Bank of America Travel Rewards Student card
Bank of America Unlimited Cash Rewards card
Bank of America Unlimited Cash Rewards Credit Card for Students
MLB® Mastercard
Norwegian Cruise Line® World Mastercard®
Royal Caribbean Visa Signature® Card
Susan G. Komen Cash Rewards Visa Credit Card from Bank of America®
U.S. Pride® Visa
Bottom Line: You don’t have to pay an annual fee to get a rewards-earning credit card from Bank of America.
Best Bank of America Cards for Building Credit
If you’re just starting out or trying to rebuild your credit, Bank of America has a few cards in its portfolio that can help you accomplish your credit objective.
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Bank of America Cards for Building Credit
Benefits
Drawbacks
BankAmericard for Students
0% APR for 21 billing cycles for purchases
0% APR for 21 billing cycles for balance transfers made within the first 60 days of card approval
Use the card responsibly and build up your credit history
Free FICO score access
No annual fee
Balance transfer fee 3% or $10, whichever is greater
Doesn’t earn rewards
BankAmericard® Secured Credit Card
A minimum refundable security deposit of $200 (maximum of $5.,000) is required; your credit limit will be determined by your security deposit, income, and ability to pay
Your account will be reviewed periodically and you may qualify to have your security deposit refunded
Reports to all 3 major credit bureaus
Free FICO score access
No annual fee
Doesn’t earn rewards
Security deposit required
While neither of these credit cards is a rewards-earning credit card, they do offer a path to building or rebuilding your credit. Once you’ve managed either of these cards successfully, you may be able to elevate to the next level and secure one of Bank of America’s rewards cards including:
Bank of America Cash Rewards card
Bank of America Cash Rewards Student card
Bank of America Travel Rewards card
Bank of America Travel Rewards Student card
Bank of America Unlimited Cash Rewards card
Bank of America Unlimited Cash Rewards Student card
You’ll notice that the wide range of credit card options offered by Bank of America can fit nearly every financial situation, from starting out to earning valuable rewards that bring perks, benefits, and even free travel.
Everything Else You Need To Know About Bank of America Credit Cards
Redeeming Rewards
Bank of America offers flexibility to redeem points for cash-back, gift cards, travel, or bonus cash-back when you transfer your cash into one of your Bank of America-associated accounts.
Points earned on your Bank of America rewards-earning credit card can be redeemed for 1 cent per point. In many cases, you’re earning 2 to 3 points per dollar spent on the card, so you’re receiving good value.
Hot Tip: If you have a card such as the Bank of America Business Advantage Travel card that earns 3 points per dollar on travel purchased through Bank of America Travel Center, you can purchase travel and earn 3 points per dollar and redeem points at 1 cent per point for a statement credit to cover that purchase.
Relationships Matter
Cash-back 10% bonus: If you have a bank account with Bank of America, the reward benefits that come with your Bank of America credit cards may receive a bonus. Cardholders who have a Bank of America checking or savings account, 529, or Merrill Lynch account can receive a 10% bonus when redeeming cash-back into an eligible account.
Preferred Rewards Program: If you have $20,000 or more in qualifying Bank of America deposit accounts or Merrill Edge and Merrill Lynch investments, you may qualify for the Preferred Rewards program and receive a 25% to 75% rewards bonus on your Bank of America credit card.
Bank of America Credit Card Features, Protections, and Managing Your Account
Your Bank of America credit card will come with these basic features and benefits:
Paperless credit card statements
Chip-enabled technology
Custom account alerts for payments due, payments received, balances, and more
Online and mobile banking
Digital wallet using Apple Pay, Google Pay, and Samsung Pay
Free FICO score access
Bank of America Shopping Protections and Benefits
Most Bank of America cards will offer these additional benefits:
Fraud detection and $0 liability for fraudulent transactions
ShopSafe service generates a temporary credit card number when shopping online
Return protection
Warranty manager service
Purchase security
Bank of America Travel Protections and Benefits
Premium Bank of America credit cards will offer additional travel protections and benefits:
Upgrades and luxury perks and benefits when redeeming rewards with the Visa Signature Luxury Hotel Collection
Concierge service
Auto rental collision damage waiver
Trip delay and reimbursement
Trip cancellation or interruption
Baggage delay protection
Lost luggage reimbursement
Roadside dispatch program
Travel and emergency assistance services
Common carrier travel accident insurance
Emergency evacuation and transportation coverage
To determine which Bank of America benefits and protections come with the Bank of America card you’re considering, you’ll need to access the specific card summary or cardholder agreement. Complete details are provided in your new account materials.
Final Thoughts
If Bank of America was the only credit card issuer available, you could still find a card that fits your purchasing and earning preferences. There is, however, an endless variety of cards available in the marketplace for consumers and businesses.
You should use the CardMatch tool to see if there are any credit card offers that have been matched to your profile, or use our complete guide to finding personal prequalified and pre-approved offers from credit card issuers to see your existing offers.
Narrowing the selection of cards that fit your situation is essential to select a credit card that maximizes the benefits, earnings, and rewards you ultimately receive on the card.
The information regarding the Bank of America® Travel Rewards Credit Card for Students, Bank of America® Unlimited Cash Rewards Credit Card for Students, Bank of America® Business Advantage Travel Rewards Card, BankAmericard® Credit Card for Students, Susan G. Komen Cash Rewards Visa Credit Card from Bank of America®, MLB® Mastercard, Norwegian Cruise Line® World Mastercard®, Royal Caribbean Visa Signature® Card, U.S. Pride® Visa and BankAmericard® Secured Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America® Premium Rewards® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America® Premium Rewards® Elite Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America® Travel Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Alaska Airlines Visa Signature® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Allegiant World Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Free Spirit® Travel Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Free Spirit® Travel More World Elite Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America® Customized Cash Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America® Unlimited Cash Rewards was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding Alaska Airlines Visa® Business Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America® Business Advantage Unlimited Cash Rewards was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the BankAmericard® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: Roman Tiraspolsky - stock.adobe.com
Frequently Asked Questions
Which Bank of America credit card is the best?
The best Bank of America credit card for you will be the one that matches your spending habits and rewards preferences.
If you prefer cash-back rewards, for example, you’ll want to select a cash-back earning credit card that rewards the category of purchases on which you spend the most.
If you like to travel, you’ll want to select a credit card that earns points on travel purchases and allows you to redeem those points for travel at a good value.
Are there transactions that don't earn points or cash-back?
Any balance transfers or cash advances that you make on your credit card do not earn points or cash-back. If you purchase travelers checks, money orders, or other cash equivalents, you will not earn points or cash-back.
Additionally, any fees or interest charges you pay on the credit card do not earn rewards. And it should go without saying that fraudulent transactions do not earn rewards.
How do sign-up bonuses work?
Many credit cards come with generous sign-up bonuses after you spend a specific amount on the card within a certain period of time.
For example, a sign-up bonus of 20,000 miles after spending $1,000 in the first 90 days means that you will need to spend $1,000 in net purchases, minus any returns, within the first 90 days after the date you were approved for the credit card.
Failing to reach the bonus’ spending requirement by the deadline will result in you not getting the sign-up bonus, so it’s good to meet the requirement well in advance.
How does a 0% APR period work?
Bank of America credit cards that offer a 0% APR period for purchases and balance transfers can save you money because you won’t be charged interest during the 0% APR period.
A 0% APR period means that any purchases you make or balances you transfer from your high-interest credit cards during the specified period will not be charged interest. Any purchase or balance transfer that is not paid off when the period expires will incur interest charges.
Most credit cards charge one-time fees for balance transfers, usually ranging from 3% to 5%.
How much are Bank of America rewards points worth?
The rewards points you earn on Bank of America credit cards generally have a redemption value of 1 cent per point. However, since you can earn points at the rate of as much as 5.25 points per dollar spent on the card if you also participate in Preferred Rewards, you’re receiving good value at 1 cent per point.
There are point redemptions that yield less than 1 cent per point, so you’ll want to select the redemption that yields the best value. For example, a $25 gift card may cost 3,500 points, but a $250 gift card might cost 25,000 points.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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