Bank of America® Credit Cards

Responsible use of a Bank of America® credit card can help you establish or improve your credit history while simultaneously providing popular benefits and features. Their credit cards are geared towards the needs of a wide variety of consumers, making Bank of America® credit cards a great choice. Bank of America® credit cards offer a variety or perks, from Travel Rewards, to Cash Rewards, to Balance Transfers. Below you will find our most popular Bank of America® credit cards: 

BankAmericard® credit card

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%
Intro APR for 18 billing cycles for balance transfers made in the first 60 days

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Regular APR

14.99% - 24.99%
Variable APR on purchases and balance transfers

Annual Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
    • No annual fee
    • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
    • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0%

Introductory APR on purchases for 18 billing cycles

Intro APR for Balance Transfer

0%

Intro APR for 18 billing cycles for balance transfers made in the first 60 days

Regular APR

14.99% - 24.99%

Variable APR on purchases and balance transfers

Annual Fee

$0

Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular APR

16.99% - 24.99%
Variable APR on purchases and balance transfers

Annual Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • 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
    • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
    • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
    • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
    • Comes with chip technology for enhanced security and protection at chip-enabled terminals
    • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
    • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
    • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0%

Introductory APR on purchases for 12 billing cycles

Intro APR for Balance Transfer

N/A

Regular APR

16.99% - 24.99%

Variable APR on purchases and balance transfers

Annual Fee

$0

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%
Intro APR for 12 billing cycles for balance transfers made in the first 60 days

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Regular APR

15.24% - 25.24%
Variable APR on purchases and balance transfers

Annual Fee

$0

Apply Now

Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • No annual fee
    • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
    • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
    • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0%

Introductory APR on purchases for 12 billing cycles

Intro APR for Balance Transfer

0%

Intro APR for 12 billing cycles for balance transfers made in the first 60 days

Regular APR

15.24% - 25.24%

Variable APR on purchases and balance transfers

Annual Fee

$0

Bank of America® Premium Rewards® credit card

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular APR

17.99% - 24.99%
Variable APR on purchases and balance transfers

Annual Fee

$95

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Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
    • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
    • If you’re a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
    • No limit to the points you can earn and your points don’t expire
    • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
    • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
    • No Foreign Transaction Fees
    • Low $95 annual fee

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

17.99% - 24.99%

Variable APR on purchases and balance transfers

Annual Fee

$95

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

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Excellent Credit Needed

Intro APR for Balance Transfer

N/A

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Regular APR

13.24% - 23.24%
Variable APR on purchases and balance transfers

Annual Fee

$0

Apply Now

Excellent Credit Needed

Benefits & KEY FEATURES Test

    • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
    • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
    • 0% Introductory APR on purchases for your first 9 billing cycles.
    • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
    • Plus, if you're a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%.

Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
720
850

Intro APR Purchase

0%

for 9 billing cycles

Intro APR for Balance Transfer

N/A

Regular APR

13.24% - 23.24%

Variable APR on purchases and balance transfers

Annual Fee

$0