The Best Bank of America Credit Cards

Welcome Offer

Earn 25,000 bonus points after spending $1,000 in the first three months. That’s worth $250 when redeemed for statement credit toward travel and dining purchases.

Rewards

Earn 1.5x points per $1 spent on all purchases.

Redemption Options

Redeem points for a statement credit towards travel and dining, or use them to book your next trip.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
• Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
• Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
• Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: None.

Additional Features

• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
• Better Money Habits®: Access free tools and resources to build financial confidence, covering credit, budgeting, debt management, and more.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.

Terms and Conditions

Click Apply Now to see the terms and conditions.

• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Click ‘Apply Now’ to see the full terms and conditions.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 18 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
• Regular APR: After the introductory period, a variable APR of 15.24% - 25.24% applies to purchases and balance transfers.
• Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
• Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Paying late won’t raise your APR.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Better Money Habits®: Access free tools and resources to build financial confidence, covering credit, budgeting, debt management, and more.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 18 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
• Regular APR: After the introductory period, a variable APR of 15.24% - 25.24% applies to purchases and balance transfers.
• Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
• Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Paying late won’t raise your APR.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.
• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
• Better Money Habits®: Access free tools and resources to build financial confidence, covering credit, budgeting, debt management, and more.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

Earn 60,000 bonus points after spending $4,000 in the first 90 days. That’s worth $600 when redeemed for cash.

Rewards

• 2x Points on Select Categories:
  • 2x Points on Travel.
  • 2x Points on Dining.
• 1.5x Points On All Other Purchases.
• Boosted Rewards for Preferred Rewards Members: Earn 25%-75% more points on every purchase if you’re enrolled in Bank of America Preferred Rewards, up to 3.5x points per $1 on travel and dining and up to 2.62x points on all other purchases.

Redemption Options

Redeem rewards for cash, gift cards, travel, and more.

Fees and APR

• Annual Fee: $95.
• Regular APR: 20.24% - 28.24% Variable APR.
• Balance Transfer Fees: 4% of each transfer amount.
• Foreign Transaction Fee: None.

Travel Benefits

• Up to $100 Airline Incidental Credit: Automatically receive up to $100 back each year for qualifying airline purchases like seat upgrades, baggage fees, in-flight services, and lounge access.
• Global Entry/TSA PreCheck® Fee Reimbursement: Get up to $100 every four years for the application fee.
• Visa Signature® Luxury Hotel Collection: Enjoy premium benefits when booking through the Visa Signature Luxury Hotel Collection with your Premium Rewards® card.
• Other Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Travel and Emergency Assistance Services, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, and Emergency Evacuation and Transportation.

Purchase Protections

• Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $10,000 per claim.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
• Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $250 per item and $1,000 per year.

Additional Features

• Zero liability protection, fraud protection, automatic account alerts, contactless checkout, compatibility with digital wallets, free access to FICO® Score, Balance Connect® for overdraft protection, and Visa Signature® concierge service.

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
• Earn unlimited 2% cashback on purchases for the first year.

Rewards

Earn 1.5% unlimited cashback on all purchases. Cash rewards do not expire.

Redemption Options

Redeem rewards for statement credits, direct deposits to Bank of America® accounts, or to pay at Amazon.com and with PayPal.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
• Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
• Intro Balance Transfer Fees: 4% of the transfer amount for balance transfers made within the first 60 days.
• Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Additional Features

• Better Money Habits®: Access educational tools and resources to help you build financial confidence and manage credit wisely.
• Zero liability protection, fraud protection, contactless checkout, Balance Connect® for overdraft protection, compatibility with digital wallets, automatic account alerts, and free access to FICO® Score.

Terms and Conditions

Click Apply Now to see the terms and conditions.

• Minimum Security Deposit: A minimum security deposit of $1,000 is required to open this account. Upon approval, your credit line will match your deposit amount.
• Build Your Credit: Improve your business credit by making consistent, on-time payments.
• Experience a Seamless Transition: Your account will be periodically reviewed, and if your credit history improves, you may qualify for an unsecured card.
• 1.5% Cashback on All Purchases: Earn unlimited 1.5% cashback on all other purchases. Cash rewards do not expire.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction.
• Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® account or a check mailed to you.
• Business Perks: Include cash flow management tools and free access to business credit scores.
• Travel and Emergency Benefits: Include Travel Accident Insurance, Auto Rental Insurance, Emergency Ticket Replacement, Lost-Luggage Assistance, and Legal and Medical Referrals when you’re away from home.
• Additional Protections: Cover certain purchases against loss, damage, theft, or fire and provide extended warranty coverage.
• Additional Features: Include zero liability protection for unauthorized transactions, fraud monitoring, and Balance Connect® for overdraft protection.
• Regular APR: 27.49% Variable APR.
• Balance Transfer Fees: 4% of each transfer amount.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Bonus: Earn a $300 bonus after spending $3,000 in the first 90 days from your account opening.
• Annual Fee: None.
• 0% Intro APR on Purchases: For 7 months from account opening.
• Balance Transfer Fees: 4% of each transfer amount.
• Regular APR: After the introductory period, a variable APR of 15.49% - 26.49% applies to purchases and balance transfers.
• Employee Cards: Get employee cards at no additional cost to you and with credit limits you set.
• Mastercard Easy Saving® Program: Gives you automatic discounts when you use your card at many places across the U.S. No need for coupons or codes—just pay with your card and save.
• Business Perks: Cash flow management tools and free access to business credit scores.
• Travel Benefits: Includes $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when you’re away from home.
• Purchase Protection: Provides coverage against loss, damage, theft, or fire, and includes extended warranty coverage.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction.
• Additional Features: Includes zero liability protection, fraud monitoring, and Balance Connect® for overdraft protection.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

Earn 60,000 bonus miles + Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees starting at $23) after spending $3,000 in the first three months.

• Annual Companion Fare™: Earn an additional Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees starting at $23) each account anniversary after spending $6,000 or more on purchases in the previous year.
• Free Checked Bag: Enjoy a free checked bag for yourself and up to 6 guests on the same reservation when you pay for your flight with your card. That’s a savings of $60 per person roundtrip!
• Priority Boarding: Get priority boarding for yourself when you pay for the flight with an Alaska Airlines Business card.
• 3x Miles: On eligible Alaska Airlines purchases.
• 2x Miles: On gas, EV charging station, shipping and local transit (including rideshare).
• 1x Mile: On all other purchases.
• 10% Rewards Bonus: Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® small business account.
• Annual Fee: $70 for the company and $25 per card.
• Foreign Transaction Fee: None.
• Redeem Rewards: Use miles with oneworld® Alliance member airlines and Alaska’s Global Partners to travel to over 1,000 destinations. Enjoy flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
• 20% Back on Alaska Airlines: Get 20% back on Alaska Airlines inflight purchases when you pay with your card.
• $100 Off Alaska Lounge+ Membership: Receive $100 off an annual Alaska Lounge+ Membership when purchased with your Alaska Airlines Business card.
• Business Features: Includes cash flow management tools and free access to business credit scores.
• Travel Benefits: Includes $1,000,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost luggage assistance, and legal and medical referrals while traveling.
• Purchase Protection: Covers certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
• Additional Features: Includes zero liability protection, fraud monitoring, and Balance Connect® for overdraft protection.
• Regular APR: 20.24% - 28.24% Variable APR.
• Balance Transfer Fees: 4% of each transfer amount.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome bonus: Earn 30,000 bonus points after spending $3,000 in the first 90 days from your account opening.
• Unlimited points: Earn unlimited 1.5x points per $1 spent on all purchases.
• Preferred Rewards: Eligible cardholders can earn up to 75% more points if they have a business checking account with Bank of America and qualify for the highest tier in the Preferred Rewards for Business program. This can increase the points rate to up to 2.62x points per $1 spent on every purchase.
• No annual fee.
• No foreign transaction fees.
• 0% Intro APR on Purchases: For 9 months from account opening.
• Balance Transfer Fees: 4% of each transfer amount.
• Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
• Travel and emergency benefits: Includes travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement.
• Purchase protections: Provides coverage against loss, damage, theft, or fire, and includes extended warranty coverage.
• Business Perks: Cash flow management tools and free access to business credit scores.
• Redeem your rewards: Use points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back, or gift cards.
• Additional features: Zero liability protection, fraud monitoring, overdraft protection, 24/7 customer service, and contactless checkout.
• Click ‘Apply Now’ to see the full terms and conditions.

• Cashback rewards: Earn unlimited 1.5% cashback on all purchases.
• Welcome bonus: Earn a $300 bonus after spending $3,000 in the first 90 days from your account opening.
• Preferred Rewards: Eligible cardholders can earn up to 75% more cashback if they have a business checking account with Bank of America and qualify for the highest tier in the Preferred Rewards for Business program. This can increase the cashback rate to up to 2.62% cashback on every purchase.
• No annual fee.
• 0% Intro APR on Purchases: For 9 months from account opening.
• Balance Transfer Fees: 4% of each transfer amount.
• Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
• Travel and emergency benefits: Includes travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals.
• Purchase protections: Provides coverage against loss, damage, theft, or fire, and includes extended warranty coverage.
• Business Perks: Cash flow management tools and free access to business credit scores.
• Foreign transaction fee: 3% of the U.S. dollar amount of each transaction.
• Redeem your rewards: As a statement credit, a direct deposit into an eligible Bank of America® account, or a check mailed to you.
• Additional features: Zero liability protection, fraud monitoring, and overdraft protection.
• Click ‘Apply Now’ to see the terms and conditions.

• Welcome bonus: Earn a $300 bonus after spending $3,000 in the first 90 days from your account opening.
• 3% Cashback in The Category of Your Choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services.
• 2% Cashback on Dining.
• Limit on 2% and 3% Cashback: Earn 3% and 2% cashback on the first $50,000 in combined choice category/dining purchases each year.
• 1% Cashback on All Other Purchases.
• Preferred Rewards: Eligible cardholders can earn up to 75% more cashback if they have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honor tier. This can increase the cashback rate to up to 5.25% cashback in your selected choice category, 3.5% cashback on dining, and 1.75% on all other purchases.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction.
• 0% Intro APR on Purchases: For 9 months from account opening.
• Balance Transfer Fees: 4% of each transfer amount.
• Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
• Travel Benefits: Include $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals.
• Purchase Protection: Provides coverage against loss, damage, theft, or fire, and includes extended warranty coverage.
• Business Perks: Cash flow management tools and free access to business credit scores.
• Redeem Rewards: As a statement credit, a direct deposit into an eligible Bank of America® account, or a check mailed to you.
• Additional Features: Zero liability protection, fraud monitoring, and Balance Connect® for overdraft protection.
• Click ‘Apply Now’ to see the full terms and conditions.

Help Fight Breast Cancer: For each new Susan G. Komen Customized Cash Rewards credit card from Bank of America used to make a transaction within and remain open the first 90 days of account opening, Komen receives $3 and 0.08% of all retail purchases made with the card. Komen also receives $3 for each renewal of a card in good standing during the 12 months and does not have a zero balance at the time of renewal.

Welcome Offer

• Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
• First-Year Bonus Offer: Earn 6% cashback in a category of your choice for the first year, double the standard 3% rate.

• 3% Cashback 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/furnishings. You can change the choice category once every calendar month.
• 2% Cashback at Grocery Stores and Wholesale Clubs.
• Limit on 3% and 2% Cashback: Earn 3% and 2% on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 1% Cashback on All Other Purchases.
• Annual Fee: None.
• Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
• Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
• Preferred Rewards Program: Earn 25% - 75% more cashback on every purchase after you become a Preferred Rewards member. That means you could earn 3.75% to 5.25% cashback on the choice category, 2.50% to 3.50% on grocery and wholesale clubs, and 1.25% to 1.75% on all other purchases.
• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless pay, overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Click ‘Apply Now’ to see the full terms and conditions.

• Minimum Security Deposit: A minimum security deposit of $200 (maximum of $5,000) is required to open this account.
• Unlimited Points: Earn 1.5x points per $1 spent on all purchases.
• Annual Fee: None.
• Foreign Transaction Fees: None.
• Redeem Rewards: For a statement credit to pay for travel and dining purchases or book your next trip.
• Better Money Habits®: Learn how responsibly handle your credit.
• Additional Features: Include access to credit education, financial help support, 24-hour fraud protection, $0 liability guarantee, contactless, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Regular APR: 28.24% Variable APR.
• Balance Transfer Fees: 4% of each transfer amount.
• Click ‘Apply Now’ to see the full terms and conditions.

• Minimum Security Deposit: A minimum security deposit of $200 (maximum of $5,000) is required to open this account. Your maximum credit limit will be determined by the amount of the security deposit you provide, your income, and your ability to pay the credit line established.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
• Additional Features: Include access to credit education, financial help support, 24-hour fraud protection, $0 liability guarantee, contactless pay, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Regular APR: 25.24% Variable APR.
• Balance Transfer Fees: 4% of each transfer amount.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

Earn unlimited 2% cashback on purchases for the first year.

• Minimum Security Deposit: A minimum security deposit of $200 (maximum of $5,000) is required to open this account.
• Unlimited 1.5% Cashback: Earn unlimited 1.5% cashback on all purchases. Cash rewards do not expire.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
• Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
• Additional Features: Include access to credit education, financial help support, 24-hour fraud protection, $0 liability guarantee, contactless, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Regular APR: 28.24% Variable APR.
• Balance Transfer Fees: 4% of each transfer amount.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

Earn 6% cashback in the category of your choice for the first year.

• Minimum Security Deposit: A minimum security deposit of $200 (maximum of $5,000) is required to open this account.
• 3% Cashback 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/furnishings. You can change the choice category once every calendar month.
• 2% Cashback at Grocery Stores and Wholesale Clubs: Up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 1% Cashback on All Other Purchases.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
• Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
• Additional Features: Include access to credit education, financial help support, 24-hour fraud protection, $0 liability guarantee, contactless pay, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Regular APR: 28.24% Variable APR.
• Balance Transfer Fees: 4% of each transfer amount.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

• Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
• Plus, earn 6% cashback in the category of your choice for the first year.

• 3% Cashback 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/furnishings. You can change the choice category once every calendar month.
• 2% Cashback at Grocery Stores and Wholesale Clubs: Up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 1% Cashback on All Other Purchases.
• Annual Fee: None.
• Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
• Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
• Better Money Habits®: Learn how responsibly handle your credit.
• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless pay, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn 75,000 bonus points after spending $5,000 within the first 90 days of account opening.
• 2x Points: On travel and dining.
• 1.5x Points: On all other purchases.
• Annual Fee: $550.
• Foreign Transaction Fees: None.
• Preferred Rewards®: Get more rewards by enrolling in the Preferred Rewards program. Preferred Rewards members earn 25% - 75% more points on every purchase. That means you could earn 2.5x to 3.5x points on travel and dining, and 1.87x to 2.62x points on all other purchases.
• Redeem Rewards: For travel, cash, distinctive experiences, or gift cards. Plus, save 20% on airfare when you pay with points through the Bank of America Travel Center.
• Up to $300 for Airline-Related Expenses: Enjoy a $300 annual travel statement credit for qualifying travel purchases such as seat upgrades, baggage fees, in-flight services, and lounge fees.
• Up to $150 for Lifestyle Conveniences: Enjoy a $150 annual statement credit for lifestyle conveniences, including streaming services, food delivery, fitness subscriptions, and rideshare services.
• Global Entry/TSA PreCheck®: Get up to $100 every four years for TSA PreCheck® or Global Entry Application fees.
• Airfare Savings: Get 20% savings on domestic or international airfare for any class when you pay with points through the Bank of America Travel Center or the Concierge.
• Airport Lounge Access: Enjoy complimentary Priority Pass™ Select Membership which gives you unlimited Airport Lounge Access (1,300+ VIP lounges in over 500 cities worldwide) and more.
• Visa Infinite® Experiences: Include Luxury Hotel Collection, Full Service Concierge, and Rental Car Privileges.
• Travel Benefits: Include Roadside Dispatch®, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Common Carrier Travel Accident Insurance, Emergency Evacuation and Repatriation of Remains Coverage.
• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Regular APR: 20.24% - 28.24% Variable APR.
• Balance Transfer Fees: 4% of each transfer amount.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

• Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
• First-Year Bonus Offer: Earn 6% cashback in a category of your choice for the first year, double the standard 3% rate.

• 3% Cashback 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/furnishings. You can change the choice category once every calendar month.
• 2% Cashback at Grocery Stores and Wholesale Clubs.
• Limit on 3% and 2% Cashback: You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 1% Cashback on all other purchases.
• Annual Fee: None.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
• Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
• Preferred Rewards Program: Earn 25% - 75% more cashback on every purchase if you are a member of the Preferred Rewards® program. That means you could earn 3.75% to 5.25% cashback on the choice category, 2.50% to 3.50% cashback on grocery and wholesale clubs, and 1.25% to 1.75% cashback on all other purchases.
• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless pay, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
• Click ‘Apply Now’ to see the full terms and conditions.