Best of

Best Bank of America Credit Cards of 2019

NerdWalletApril 23, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Bank of America Credit Cards of 2019

Our pick for

Cash back

Bank of America® Cash Rewards Credit Card

on Bank of America's website, or call (877) 754-6706

3.6

NerdWallet rating 

on Bank of America's website, or call (877) 754-6706

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases for 12 billing cycles and 0% on Balance Transfers for 12 billing cycles for balance transfers made in the first 60 days

recommended credit score

With the Bank of America® Cash Rewards credit card, you'll earn 3% cash back in a category of your choice (from a list of six) and 2% at grocery stores and wholesale clubs, for the first $2,500 in combined purchases each quarter (1% back after reaching that threshold). All other purchases earn 1% cash back. This is a solid, flexible cash-back card, and it's especially lucrative for Preferred Rewards clients.

Our pick for

Travel

Bank of America BankAmericard Travel Rewards® Credit Card Credit Card

on Bank of America's website, or call (800) 211-3740

3.9

NerdWallet rating 

on Bank of America's website, or call (800) 211-3740

Annual Fee

$0

Regular APR

17.24% - 25.24% Variable APR

Intro APR

0% on Purchases for 12 billing cycles

recommended credit score

The Bank of America® Travel Rewards credit card earns an unlimited 1.5 points per dollar spent on all purchases, which is a decent rate among travel credit cards with no annual fee. It offers redemption flexibility by letting you book your travel on your own and then redeem your points for a statement credit. If you can take advantage of the Preferred Rewards program bonus or you travel infrequently and want to avoid an annual fee, this card is an excellent choice.

Our pick for

Balance transfers and 0% intro APR

Bank of America BankAmericard® Credit Card Credit Card

on Bank of America's website, or call (800) 322-7707

4.1

NerdWallet rating 

on Bank of America's website, or call (800) 322-7707

Annual Fee

$0

Regular APR

15.24% - 25.24% Variable APR

Intro APR

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

recommended credit score

The BankAmericard® credit card is a good option if you need to consolidate and pay off high-interest credit card debt, thanks to its 0% intro APR period and $0 annual fee.

Our pick for

Small business

Bank of America Travel Rewards World Mastercard® for Business Credit Card

on Bank of America's website

4.2

NerdWallet rating 

on Bank of America's website

Annual Fee

$0

Regular APR

13.49% - 23.49% Variable APR

Intro APR

0% on Purchases for 9 billing cycles

recommended credit score

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is a solid choice for business owners who want travel rewards with no annual fee. There's a generous sign-up bonus, and because there are no foreign transaction fees, the card is ideal to accompany you around the world.

Last updated on April 23, 2019

Methodology

NerdWallet's credit cards team selects the best 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 in multiple categories.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.