BEST OF
Bank of America Credit Cards
Updated: Dec 10, 2024
Written by
Written by
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
NerdWallet's Bank of America Credit Cards
Bank of America® Customized Cash Rewards credit card for Students
Bank of America® Unlimited Cash Rewards credit card for Students
Show SummaryHide Summary
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$95
Rewards rate
1x-3x
MilesIntro offer
70,000
milesRegular APR
20.49%-28.49% Variable APR
Recommended credit score
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$95
Rewards rate
1x-3x
MilesIntro offer
70,000
milesRegular APR
20.49%-28.49% Variable APR
Recommended credit score
Rewards breakdown
Rewards breakdown
3x
Miles for every $1 spent on eligible Alaska Airlines purchases.2x
Miles for every $1 spent on eligible gas and EV charging station purchases.2x
Miles for every $1 spent on eligible cable purchases.2x
Miles for every $1 spent on eligible streaming services purchases.2x
Miles for every $1 spent on eligible local transit (including ride share) purchases.1x
Mile per $1 spent on all other purchases.Card details
Card details
- LIMITED TIME ONLINE OFFER—70,000 Bonus Miles!
- Get 70,000 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.
NerdWallet's take
NerdWallet's take
Pros
Companion benefit
Free checked bag
Cons
Requires good/excellent credit
Has annual fee
Rewards have limited flexibility
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 18 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days
Regular APR
15.49%-25.49% Variable APR
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 18 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days
Regular APR
15.49%-25.49% Variable APR
Card details
Card details
- 0% Intro 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 Variable APR that’s currently 15.49% - 25.49% 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%.
- 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.
NerdWallet's take
NerdWallet's take
Pros
No annual fee
Intro APR period
Cons
Requires good/excellent credit
No ongoing rewards
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x
PointsIntro offer
25,000
pointsRecommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x
PointsIntro offer
25,000
pointsRecommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Rewards breakdown
Rewards breakdown
1.5x
Points per $1 spent on all purchases.Card details
Card details
- 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.
- 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 Variable APR that’s currently 18.49% - 28.49% 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%.
- 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.
NerdWallet's take
NerdWallet's take
Pros
No annual fee
New cardholder bonus offer
No foreign transaction fees
Flexible rewards redemption
Intro APR period
Cons
Requires good/excellent credit
No bonus categories
Best rewards limited to certain customers
Annual fee
$95
Rewards rate
1.5x-2x
PointsIntro offer
60,000
pointsRegular APR
20.49%-28.49% Variable APR
Recommended credit score
Annual fee
$95
Rewards rate
1.5x-2x
PointsIntro offer
60,000
pointsRegular APR
20.49%-28.49% Variable APR
Recommended credit score
Rewards breakdown
Rewards breakdown
2x
Points for every $1 spent on travel purchases.2x
Points for every $1 spent on dining purchases.1.5x
Points for every $1 spent on all other purchases.Card details
Card details
- 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.
NerdWallet's take
NerdWallet's take
Pros
Sign-up bonus
Earn more points on travel and dining
Premium travel protections
Higher rewards rates for Bank of America and Merrill customers
Cons
Has annual fee
Requires good/excellent credit
Best rewards limited to certain customers
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3%
CashbackIntro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3%
CashbackIntro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Rewards breakdown
Rewards breakdown
3%
Cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).2%
Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).1%
Cash back on all other purchases.Card details
Card details
- $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.
- 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 Variable APR that’s currently 18.49% - 28.49% 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%.
- 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.
NerdWallet's take
NerdWallet's take
Pros
No annual fee
New cardholder bonus offer
Rotating bonus categories
Relationship rewards for customers
Intro APR period
Cons
Requires good/excellent credit
Complicated rewards
Spending caps on bonus rewards
Best rewards limited to certain customers
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%
CashbackIntro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%
CashbackIntro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Rewards breakdown
Rewards breakdown
1.5%
Cash back on all purchases.Card details
Card details
- $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.
- 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 Variable APR that’s currently 18.49% - 28.49% 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%.
- 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.
NerdWallet's take
NerdWallet's take
Pros
No annual fee
New cardholder bonus offer
Intro APR period
Cons
Best rewards limited to certain customers
No bonus categories
Requires good/excellent credit
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3%
CashbackIntro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3%
CashbackIntro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Rewards breakdown
Rewards breakdown
3%
Cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).2%
Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).1%
Cash back on all other purchases.Card details
Card details
- $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 Variable APR that’s currently 18.49% - 28.49% 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.
NerdWallet's take
NerdWallet's take
Pros
No annual fee
New cardholder bonus offer
Rotating bonus categories
Relationship rewards for customers
Intro APR period
Cons
Requires good/excellent credit
Complicated rewards
Spending caps on bonus rewards
Best rewards limited to certain customers
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x
PointsIntro offer
25,000
pointsRecommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x
PointsIntro offer
25,000
pointsRecommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Rewards breakdown
Rewards breakdown
1.5x
Points per $1 spent on all purchases.Card details
Card details
- 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.
- 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 Variable APR that’s currently 18.49% - 28.49% 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.
NerdWallet's take
NerdWallet's take
Pros
No annual fee.
New cardholder bonus offer.
Intro APR period.
Cons
Requires good/excellent credit.
Best rewards limited to certain customers.
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%
CashbackIntro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%
CashbackIntro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49%-28.49% Variable APR
Rewards breakdown
Rewards breakdown
1.5%
Cash back on all purchases.Card details
Card details
- $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.
- 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.
- 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 Variable APR that’s currently 18.49% - 28.49% 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.
NerdWallet's take
NerdWallet's take
Pros
No annual fee.
New cardholder bonus offer.
Intro APR period.
Cons
Requires good/excellent credit.
Best rewards limited to certain customers
No bonus categories.
Last updated on December 10, 2024
Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.
