BEST OF
Bank of America Credit Cards
Updated: Jun 28, 2025
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NerdWallet's Bank of America Credit Cards
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 Nowon Bank of America's website
on Bank of America's website
Annual fee
$95
Rewards rate
1x-3x
MilesIntro offer
50,000 Miles + BOGO Ticket
Regular APR
20.24%-28.24% Variable APR
Recommended credit score
690-850(Good - Excellent)
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$95
Rewards rate
1x-3x
MilesIntro offer
50,000 Miles + BOGO Ticket
Regular APR
20.24%-28.24% Variable APR
Recommended credit score
690-850(Good - Excellent)
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
- LIMITED TIME ONLINE OFFER—Buy One, Get One + 50,000 Bonus Miles!
- Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and get 50,000 bonus miles 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
Pros
- Companion benefit
- Free checked bag
Cons
- Requires good/excellent credit
- Has annual fee
- Rewards have limited flexibility
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x-3x
PointsIntro offer
25,000
pointsRecommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x-3x
PointsIntro offer
25,000
pointsRecommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Rewards breakdown
3x
Points per $1 spent on travel purchases booked through the Bank of America Travel Center.1.5x
Points per $1 spent on all purchases.Card details
- 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.
- 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.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- 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 18.24% - 28.24% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- 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
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
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-6%
CashbackIntro offer
$200
Recommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-6%
CashbackIntro offer
$200
Recommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Rewards breakdown
6%
Cash back for the first year in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).3%
Cash back in the category of your choice after the first year (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
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- 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 18.24% - 28.24% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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
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 Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%-2%
CashbackIntro offer
$200
Recommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%-2%
CashbackIntro offer
$200
Recommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Rewards breakdown
2%
Cash back on purchases for the first year from account opening.1.5%
Cash back on all purchases after the first year from account opening.Card details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- New Offer! Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- 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 18.24% - 28.24% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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
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 Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-6%
CashbackIntro offer
$200
Recommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-6%
CashbackIntro offer
$200
Recommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Rewards breakdown
6%
Cash back in the category of your choice for the first year (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).3%
Cash back in the category of your choice after the first year (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
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- 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 18.24% - 28.24% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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.
- 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
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 Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x-3x
PointsIntro offer
25,000
pointsRecommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x-3x
PointsIntro offer
25,000
pointsRecommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Rewards breakdown
3x
Points per $1 spent on travel purchases booked through the Bank of America Travel Center.1.5x
Points per $1 spent on all purchases.Card details
- 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.
- 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.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- 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 18.24% - 28.24% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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.
- 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
Pros
- No annual fee.
- New cardholder bonus offer.
- Intro APR period.
Cons
- Requires good/excellent credit.
- Best rewards limited to certain customers.
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%-2%
CashbackIntro offer
$200
Recommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Apply Nowon Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%-2%
CashbackIntro offer
$200
Recommended credit score
690-850(Good - Excellent)
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
18.24%-28.24% Variable APR
Rewards breakdown
2%
Cash back on purchases for the first year from account opening.1.5%
Cash back on all purchases after the first year from account opening.Card details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- New Offer! Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- No annual fee.
- 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 18.24% - 28.24% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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.
- 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
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.
Browse categories
Last updated on June 28, 2025
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.
