Best Bank Of America Credit Cards Of April 2024 (2024)

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On Bank of America's Website

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On Bank of America's Website

Spending on travel and dining earns you 2 points per dollar, and the card comes with a nice suite of travel perks. Preferred Rewards clients score an extra 25%-75% cash back bonus.

• Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 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 for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• Low $95 annual fee.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Earns an easy-to-manage 1.5% cash back on all your spending without tracking categories or spending caps.

• Earn unlimited 1.5% cash back on all purchases
• Cash rewards don’t expire
• Establish, strengthen or rebuild your credit
• No annual fee

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On Bank of America's Website

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On Bank of America's Website

Enjoy a welcome bonus, flat-rate rewards, and more than a year of intro APR on purchases and balance transfers.

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn unlimited 1.5% cash back on all purchases.
• No annual fee.
• No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

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On Bank of America's Website

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On Bank of America's Website

Great for those who need a lengthy introductory APR offer to pay off other card balances or finance a major purchase.

• 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% – 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• 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.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

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On Bank of America Small Business New Account's Website

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On Bank of America Small Business New Account's Website

For business owners who max out the 50k annual spending on the bonus categories, the rewards are substantial for a no-annual-fee card. Preferred Rewards for Business members can make out like a bandit with the 25-75% rewards bonus. The foreign transaction fee means it’s best to keep this card at home when traveling overseas.

• Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
• Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
• You’ll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
• You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
• No annual fee.
• Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
• To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

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On Bank of America's Website

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On Bank of America's Website

This card scores an ‘A+’ for students in need of an intro APR offer and no annual fee, while still earning impressive cash-back rewards.

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

A secured card with no annual fee and the ability to earn rewards, this Bank of America card can provide a way forward for those needing to build their credit profile.

• Earn 3% cash back in the category of your choice: gas and EV charging, online shopping, dining, travel, drug stores, or home improvement & furnishings
• Earn 2% cash back at grocery stores and wholesale clubs
• Earn unlimited 1% cash back on all other purchases
• You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
• A minimum refundable security deposit of $200 (maximum of $5,000) is required to open this account
• Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
• No annual fee

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On Bank of America's Website

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On Bank of America's Website

Students studying abroad will pay no foreign transaction fees (and no annual fee) while earning flat-rate rewards points with flexible travel redemption options. Plus, the intro APR offer makes this a good card for any students who need to make a big purchase or move debt over from another card.

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Apply Now

On Bank of America's Website

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On Bank of America's Website

For West Coast frequent fliers, the Alaska Airlines card is worth a serious look. You’ll snag the prized annual Companion Fare when you spend $6,000 in the prior anniversary year, plus a free checked bag, Visa Signature benefits and other perks, which easily offset the annual fee.

• LIMITED TIME ONLINE OFFER—60,000 Bonus Miles!
• Get 60,000 bonus miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
• Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
• Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
• Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
• Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
• With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
• Plus, no foreign transaction fees and a low $95 annual fee.
• This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

If you value lounge access and travel perks, this card has you covered. Plus, you’ll get lifestyle credits for things like rideshares, food delivery and streaming service with select merchants. You’ll get the best deal if you’re a Preferred Rewards member, which returns a 25% to 75% bonus on all the points you earn.

• Receive 75,000 online bonus points — a $750 value — after you make at least $5,000 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
• Earn up to $300 in Airline Incidental Statement Credits annually on qualifying transactions and TSA Pre✓®/Global Entry Statement Credits of up to $100, every four years
• Earn up to $150 in lifestyle statement credits annually on qualifying rideshare, food delivery, streaming service and fitness transactions at select merchants
• Receive 20% off the cost of airfare when redeeming points through the Bank of America Travel Center
• Enrolled cardholders receive 12-month Priority Pass Select membership to access airport VIP lounges worldwide

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On Bank of America's Website

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On Bank of America's Website

The Bank of America® Unlimited Cash Rewards credit card is simple: The card offers an unlimited 1.5% cash back on all purchases, redeemable as a credit card statement credit or a deposit into an eligible Bank of America account, with no minimum redemption amount, no limit on the amount of rewards and no annual fee.

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn unlimited 1.5% cash back on all purchases.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
• No annual fee.
• No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

While there are many credit cards designed to help you rebuild your credit, most have high annual fees and other charges. This card has no annual fee and offers a pathway to upgrade to an unsecured card with time. Also included is a free monthly credit score to help you track your progress.

• No annual fee
• Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
• A minimum refundable 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
• Now with chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries
• Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay

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On Bank of America's Website

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On Bank of America's Website

Spending on travel and dining earns you 2 points per dollar, and the card comes with a nice suite of travel perks. Preferred Rewards clients score an extra 25%-75% cash back bonus.

• Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 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 for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• Low $95 annual fee.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

If you like to fly with Spirit, the Free Spirit Travel More card can make your travels a bit more comfy. With a points rebate and potential to earn higher elite status and a companion voucher, it’s best for those who dedicate a lot of their flying to the airline.

• Earn 50,000 bonus points, plus a $100 Companion Flight Voucher after spending $1,000 in purchases within the first 90 days of account opening
• Earn 3 points per dollar spent on eligible Spirit purchases, 2 points per dollar spent on eligible dining and grocery store purchases and 1 point per dollar spent on all other purchases
• Receive a $100 companion flight voucher each anniversary after qualifying purchases
• $0 intro annual fee for the first yea; $79 thereafter

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On Bank of America's Website

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On Bank of America's Website

While offering solid rewards for moderate spenders, the card really shines for Bank of America Preferred Rewards clients, who get a 25%-75% boost in cashback earnings.

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

While many airline credit cards only offer one mile per dollar spent on general purchases, the Air France KLM World Elite Mastercard® lets you earn 50% more. As part of the SkyTeam Alliance, points can be redeemed for flights on an impressive set of partner airlines. One downside is the lack of flight benefits with cardmembership — those come by earning XP points and gaining Elite status.

• Limited time offer: Earn 70,000 bonus miles and 40 Experience Points after spending $3,000 in purchases within the first 90 days of opening the account. Plus, earn 60 Experience Points upon approval
• Earn 3 miles per $1 spent on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases and 1.5 miles per $1 spent on all other purchases
• Earn 5,000 miles every year on your account anniversary after spending $50 on purchases within the anniversary year

This card is a must-have for business owners based on the West Coast or traveling there frequently on Alaska Airlines. Aside from the bonus companion fare with eligible yearly spend, what stands out are the stellar redemption values for business and first-class travel on its airline partners.

• Earn 50,000 bonus miles and Alaska’s Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) after spending $3,000 or more in purchases within the first 90 days of opening your account
• Earn another Alaska’s Famous Companion Fare™ each year on your credit card account anniversary after spending $6,000 or more on purchases within the anniversary year
• Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases
• Free checked bag on Alaska flights for you and up to six guests on the same reservation
• Earn 20% back on all Alaska Airlines inflight purchases paid with the card

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On Bank of America's Website

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On Bank of America's Website

The Bank of America® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. And since it has no foreign transaction fees, it’s also a great card to use when traveling.

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Allegiant flies to many vacation destinations, and the Allways Rewards Visa can boost your points balance toward your next award trip. The buy-one-get-one perk for free airfare on qualifying vacation packages can make the annual fee worthwhile if you’ll use it.

• Earn 15,000 bonus points after spending $1,000 in purchases within the first 90 days of account opening
• Earn 3 points per $1 on Allegiant purchases (air, hotel, car rental and attractions)
• Earn 2 points per $1 on qualifying dining purchases
• Earn 1 point per $1 on all other purchases