The Best Bank of America Credit Cards

Business Advantage Unlimited Cash Rewards Mastercard® Secured

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Business Advantage Unlimited Cash Rewards Mastercard® Secured

4.3

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

27.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

300-669 (Poor/Fair)

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

1.5% Cashback

Welcome Offer N/A

N/A

Card Details

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: 27.99% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

Business Advantage Unlimited Cash Rewards Mastercard® Secured is a secured credit card designed for businesses, offering 1.5% cashback on all purchases while helping strengthen your business credit.

Platinum Plus® Mastercard® Business

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4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 7 billing cycles

Balance Transfers: N/A

Regular APR

15.99% - 26.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer Earn a $300 bonus after spending $3,000 in the first 90 days from your account opening.

$300

Card Details

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 15.99% - 26.99% 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.

Conclusion

The Platinum Plus® Mastercard® Business card is an excellent choice for small to medium-sized businesses seeking a low APR. In addition to 0% introductory APR and low standard APR, the card also offers purchase protection and travel benefits.

Alaska Airlines Business

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4.3

Annual fee:
$70

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x miles for every $1 spent on eligible Alaska Airlines purchases. Earn 2x miles on gas, EV charging station, shipping and local transit (including rideshare). Earn 1x mile on all other purchases.

1x - 3.3x Miles

Welcome Offer Earn 50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after spending $3,000 within the first 90 days of your account opening.

50,000 Miles + Alaska's Famous Companion Fare™

Card Details

Welcome Offer: Earn 50,000 bonus miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees starting at $23) after spending $3,000 within the first 90 days of your account opening.
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: 20.74% - 28.74% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

This low-fee card is an excellent choice for businesses that frequently fly with Alaska Airlines. It offers a generous sign-up bonus, an annual companion fare, free checked bags for you and up to 6 guests, priority boarding, and a range of other travel benefits. Additionally, you can earn 3x miles on eligible Alaska Airlines purchases, 2x miles on gas, EV charging, shipping, and local transit, and 1x mile on all other purchases. The card also provides valuable perks like 20% back on Alaska Airlines inflight purchases and $100 off an annual Alaska Lounge+ Membership, which makes it ideal for businesses that want to maximize travel rewards and savings with Alaska Airlines.

Business Advantage Travel Rewards

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4.7

Annual fee:
$0

Intro APR

Purchases: 0%, 9 billing cycles

Balance Transfers: N/A

Regular APR

17.99% - 27.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

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

1.5x - 2.62x Points

Welcome Offer Earn 30,000 bonus points after spending $3,000 in the first 90 days from account opening.

30,000 Points

Card Details

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 17.99% - 27.99% 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.

Conclusion

The Business Advantage Travel Rewards Card is perfect for small business owners who travel frequently and want to maximize their rewards. It offers a generous welcome bonus and unlimited 1.5x points per $1 spent on all purchases. For those in the highest tier of the Preferred Rewards for Business program, the points rate can increase to 2.62x points per $1 spent, making it highly rewarding. The card also features a 0% intro APR on purchases, purchase protections, business tools, and travel benefits. With no annual fee and no foreign transaction fees, it's a cost-effective choice for businesses that operate internationally. This card stands out for its high earning potential, low costs, and extensive benefits, making it an excellent choice for small business owners.

Business Advantage Unlimited Cash Rewards

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Business Advantage Unlimited Cash Rewards

4.7

Annual fee:
$0

Intro APR

Purchases: 0%, 9 billing cycles

Balance Transfers: N/A

Regular APR

17.99% - 27.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5% cashback on all purchases.

1.5% - 2.62% Cashback

Welcome Offer Earn a $300 bonus after spending $3,000 in the first 90 days from your account opening.

$300

Card Details

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 17.99% - 27.99% 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.

Conclusion

The Business Advantage Unlimited Cash Rewards card is a solid choice for small to medium-sized businesses looking to earn cashback on all their purchases. If your business already has or is willing to open a business checking account with Bank of America, this card could be a highly beneficial for maximizing your cashback rewards without an annual fee. The card also offers a 0% intro APR, purchase protection, and travel benefits.

Business Advantage Customized Cash Rewards

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Business Advantage Customized Cash Rewards

4.3

Annual fee:
$0

Intro APR

Purchases: 0%, 9 billing cycles

Balance Transfers: N/A

Regular APR

17.99% - 27.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 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. Earn 2% cashback on dining. You will earn 3% and 2% cashback on the first $50,000 in combined choice category/dining purchases each year. Earn 1% cashback on all other purchases.

1% - 5.25% Cashback

Welcome Offer Earn a $300 bonus after spending $3,000 in the first 90 days from your account opening.

$300

Card Details

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 17.99% - 27.99% 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.

Conclusion

The Business Advantage Customized Cash Rewards card is a solid choice for small to medium-sized businesses looking to maximize cashback on selected business expenses. If your business already has or is willing to open a business checking account with Bank of America, this card could be a highly beneficial for maximizing your cashback rewards without an annual fee. The card also offers a 0% intro APR, purchase protection, and travel benefits.

Susan G. Komen® Customized Cash Rewards Visa®

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Susan G. Komen® Customized Cash Rewards Visa®

4.0

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 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 and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. Earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.

1% - 5.25% Cashback

Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.

$200

Card Details

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 bonus after spending $1,000 in the first 90 days of account opening.
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 18.74% - 28.74% 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.

Conclusion

Susan G. Komen® Customized Cash Rewards credit card is for everyone interested in supporting breast cancer research. It allows you to choose the cash rewards bonus category while helping a more significant cause. Great additions are a welcome bonus, and 0% APR intro offers on purchases and balance transfers.

Travel Rewards Secured

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4.0

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

300-669 (Poor/Fair)

Rewards Earn unlimited 1.5x points for every $1 you spend on all purchases everywhere, every time. No blackout dates or restrictions, and points do not expire.

1.5x Points

Welcome Offer N/A

N/A

Card Details

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: 28.74% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

Bank of America® Travel Rewards Secured Credit Card helps rebuild your credit while allowing you to earn unlimited 1.5x points per $1 spent on all purchases.

BankAmericard® Secured

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4.0

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

25.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

300-669 (Poor/Fair)

Rewards N/A

N/A

Welcome Offer N/A

N/A

Card Details

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: 25.74% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

This secured credit card will help to establish, strengthen and rebuild your credit and has the lowest % APR in this category.

Unlimited Cash Rewards Secured

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4.0

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

300-669 (Poor/Fair)

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

1.5% Cashback

Welcome Offer N/A

N/A

Card Details

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: 28.74% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

Bank of America® Unlimited Cash Rewards Secured Credit Card will help to rebuild your credit while earning unlimited 1.5% cashback rewards on all purchases.

Customized Cash Rewards Secured

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3.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

300-669 (Poor/Fair)

Rewards Earn 3% cashback in the category of your choice, 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), and unlimited 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer N/A

N/A

Card Details

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: 28.74% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

Bank of America® Customized Cash Rewards Secured Credit Card will help to rebuild your credit while earning flexible cashback.

Travel Rewards for Students

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4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

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

1.5x Points

Welcome Offer Earn 25,000 bonus points when you spend $1,000 on purchases within the first 90 days of opening your account. These points can be redeemed for a $250 statement credit toward travel and dining purchases.

25,000 Points

Card Details

Welcome Offer: Earn 25,000 bonus points after you spend $1,000 in purchases within the first 90 days of account opening.
Unlimited Points: Earn 1.5x points per $1 spent on all purchases.
Annual Fee: None.
Foreign Transaction Fees: 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 18.74% - 28.74% applies to purchases and balance transfers.
Redeem Rewards: Redeem points 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 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.

Conclusion

This no-fee travel credit card for students offers unlimited 1.5x points per $1 spent on all purchases, along with a generous welcome bonus, and 0% APR intro offers for purchases and balance transfers. However, it lacks specific travel benefits.

BankAmericard® for Students

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4.3

Annual fee:
$0

Intro APR

Purchases: 0%, 18 billing cycles

Balance Transfers: 0%, 18 billing cycles

Regular APR

15.74% - 25.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

Rewards N/A

N/A

Welcome Offer N/A

N/A

Card Details

0% Intro APR on Purchases: For 18 months from account opening.
0% Intro APR on Balance Transfers: For 18 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. 4% of each transfer amount for balance transfers made after the introductory period ends.
Regular APR: After the introductory period, a variable APR of 15.74% - 25.74% applies to purchases and balance transfers.
Annual fee: None.
Foreign transaction fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency, in addition to any other applicable fee.
No penalty APR: Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
Better Money Habits®: Learn how to responsibly handle your credit.
Additional features: Includes 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.

Conclusion

The BankAmericard® for Students offers the longest 0% intro APR period on purchases and balance transfers for 18 months, making it a great option for students who need extra time to pay off an existing balance. However, this card does not come with a rewards program.

Unlimited Cash Rewards for Students

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4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

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

1.5% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 on purchases within the first 90 days of opening your account.

$200

Card Details

Welcome Offer: Earn a $200 cash rewards bonus when you spend $1,000 on purchases in the first 90 days from account opening.
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, 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 18.74% - 28.74% applies to purchases and balance transfers.
Redeem Rewards: 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 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.

Conclusion

This unlimited cash reward credit card offers students 1.5% cashback on all purchases., along with a welcome bonus and 0% APR introductory offers on purchases and balance transfers.

Customized Cash Rewards for Students

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4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

1% - 3% Cashback

Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.

$200

Card Details

Welcome Offer: Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.
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 18.74% - 28.74% 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.

Conclusion

This student credit card is a good option for flexible cashback. Great additions are a welcome bonus, and 0% APR intro offers on purchases and balance transfers.

Premium Rewards® Elite

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4.4

Annual fee:
$550

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x points for every $1 spent on travel and dining. Earn 1.5x points on all other purchases.

1.5x - 3.5x Points

Welcome Offer Earn 75,000 bonus points (a $750 value) after spending $5,000 in the first 90 days of your account opening.

75,000 Points

Card Details

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: 20.74% - 28.74% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

Bank of America® Premium Rewards® Elite is a travel reward credit card with an unlimited 2x flat rate on travel and dining and 1.5x on all other purchases. Great additions are a welcome bonus, flexibility in how you redeem your points, unlimited airport lounge access, and other travel benefits and perks.

Premium Rewards®

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4.3

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x points for every $1 spent on travel and dining. Earn 1.5x points on all other purchases.

1.5x - 3.5x Points

Welcome Offer Earn 60,000 Bonus Points (a $600 value) after spending $4,000 in the first 90 days of your account opening.

60,000 Points

Card Details

Welcome Offer: Earn 60,000 Bonus Points (a $600 value) after spending $4,000 in the first 90 days of your account opening.
2x Points: On travel and dining.
1.5x Points: On all other purchases.
Annual Fee: $95.
Foreign Transaction Fees: None.
Up to $100 Annually for Airline-Related Expenses: Enjoy a $100 annual travel statement credit for qualifying travel purchases such as seat upgrades, baggage fees, in-flight services, and lounge fees.
TSA PreCheck®/Global Entry: Get up to $100 every four years for TSA PreCheck® or Global Entry application fees.
Preferred Rewards® Program: 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 cashback deposits into Bank of America® checking or savings accounts, credit to an eligible Merrill account, statement credit on your credit card, or for gift cards and purchases at the Bank of America Travel Center.
Travel Benefits: Include Auto Rental Collision Damage Waiver, Roadside Dispatch Program, Trip Delay Reimbursement, Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Travel and Emergency Assistance Services, and Emergency Evacuation and Transportation Coverage.
Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $10,000 per claim.
Return Protection: Provides reimbursement for the cost of eligible items that the store won’t take back within 90 days of purchase, up to $250 per item and $1,000 per year.
Extended Warranty Protection: Doubles the time period of the manufacturers’ warranty, up to one additional year, for eligible items purchased with your card.
Visa Signature® Experiences: Include Luxury Hotel Collection and Concierge Services.
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: 20.74% - 28.74% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

Bank of America® Premium Rewards® is a travel reward credit card with an unlimited 2x flat rate on travel and dining and 1.5x on all other purchases. Great additions are a welcome bonus, flexibility in how you redeem your points, travel benefits and perks.

Travel Rewards

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4.3

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5x points for every $1 spent on all purchases. Points do not expire, and there are no blackout dates or restrictions.

1.5x - 2.62x Points

Welcome Offer Earn 25,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. These points can be redeemed for a $250 statement credit toward travel and dining purchases.

25,000 Points

Card Details

Welcome Offer: Earn 25,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. These points can be redeemed for a $250 statement credit toward travel and dining purchases.
Unlimited Points: Earn unlimited 1.5x points for every $1 spent on all purchases. Points do not expire, and there are no blackout dates or restrictions.
Annual Fee: None
Foreign transaction fees: 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 18.74% - 28.74% applies to purchases and balance transfers.
Preferred Rewards® Program: Enroll in the Preferred Rewards program to earn 25% - 75% more points on every purchase, boosting your rewards potential to 1.87 to 2.62 points per $1 spent.
Redeem Rewards: Redeem points for a statement credit to pay for travel and dining purchases, or use them to book your next trip.
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.

Conclusion

This no-fee travel credit card allows you to earn unlimited 1.5x points per $1 spent on all purchases. While it lacks specific travel benefits, it offers a generous welcome bonus and 0% APR introductory offers for both purchases and balance transfers.

BankAmericard®

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4.1

Annual fee:
$0

Intro APR

Purchases: 0%, 18 billing cycles

Balance Transfers: 0%, 18 billing cycles

Regular APR

15.74% - 25.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

Card Details

0% Intro APR on Purchases: For 18 months from account opening.
0% Intro APR on Balance Transfers: For 18 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 15.74% - 25.74% applies to purchases and balance transfers.
Annual fee: None.
No penalty APR: Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
Foreign transaction fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency or U.S. dollars if the transaction is processed outside the United States. This fee will be in addition to any other applicable fee.
Additional features: Includes 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, free access to FICO® Score, and access to credit education.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

BankAmericard® offers 0% intro APR on purchases and balance transfers for 18 months, making it an excellent option for those looking to manage existing debt or finance new purchases without interest. Note that this card does not come with a rewards program.

Unlimited Cash Rewards

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4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

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

1.5% - 2.62% Cashback

Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days from account opening.

$200

Card Details

Welcome Offer: Earn a $200 bonus after spending $1,000 in the first 90 days from account opening.
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, 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 18.74% - 28.74% applies to purchases and balance transfers.
Redeem Rewards: Redeem your rewards as a statement credit or via direct deposit into an eligible Bank of America® or Merrill® account.
Preferred Rewards® Program: Get more rewards by enrolling in the Preferred Rewards program. Preferred Rewards members earn 25% to 75% more cashback on every purchase. This means you could earn 1.87% to 2.62% cashback on every purchase.
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.

Conclusion

The Bank of America® Unlimited Cash Rewards Credit Card offers 1.5% cashback on all purchases with no annual fee. It features a welcome bonus and 0% intro APR on purchases and balance transfers for the first 15 statement closing dates. Its straightforward rewards structure makes it ideal for everyday spenders and those looking for low APR on balance transfers. Preferred Rewards® members can earn up to 2.62% cashback. Overall, it’s a strong choice for those who value simplicity and potential savings.

Customized Cash Rewards

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4.0

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 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 and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.

1% - 5.25% Cashback

Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.

$200

Card Details

Welcome Offer: Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.
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 18.74% - 28.74% 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.

Conclusion

Bank of America® Customized Cash Rewards is a great credit card for flexible cashback. Great additions are a welcome bonus, and 0% APR intro offers on purchases and balance transfers.

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The Best Bank of America Credit Cards

The Best Credit Cards