The 7 Best Bank of America Credit Cards

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This offer is no longer available on our site: BankAmericard® credit card

Hear from our editors: The 7 best Bank of America credit cards of April 2024

Updated March 29, 2024

This date may not reflect recent changes in individual terms.

Written by: Tim Devaney

When it comes to choosing a Bank of America credit card, it’s easy to get overwhelmed by all the different options available. But whether you’re a frequent traveler or a college student looking for your first credit card, there could be a Bank of America card for you.

Best for bonus cash back: Bank of America® Customized Cash Rewards credit card
Best for flat-rate cash back: Bank of America® Unlimited Cash Rewards credit card
Best for travel rewards: Bank of America® Premium Rewards® credit card
Best for travel rewards with no annual fee: Bank of America® Travel Rewards credit card
Best for balance transfers: BankAmericard® credit card
Best for students: Bank of America® Customized Cash Rewards credit card for Students
Best for small businesses: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Best for bonus cash back: Bank of America® Customized Cash Rewards credit card

Here’s why: The Bank of America® Customized Cash Rewards credit card not only gives you the opportunity to pick the bonus category that makes the most sense for you, but also lets you adjust your bonus category periodically to match changes in your spending habits.

Read reviews of the Bank of America® Customized Cash Rewards credit card for more details.

Best for flat-rate cash back: Bank of America® Unlimited Cash Rewards credit card

Here’s why: The consistent cash back rate makes the Bank of America® Unlimited Cash Rewards credit card easy to use — and with no annual fee, you can keep every penny you earn in cash back.

Learn more in reviews of the Bank of America® Unlimited Cash Rewards credit card.

Best for travel rewards: Bank of America® Premium Rewards® credit card

Here’s why: The better-than-average travel credits and valuable rewards outweigh the annual fee — which is already one of the most affordable fees you’ll ever see from a premium rewards card.

Check out reviews of the Bank of America® Premium Rewards® credit card for more details.

Best for travel rewards with no annual fee: Bank of America® Travel Rewards credit card

Here’s why: The Bank of America® Travel Rewards credit card is a good starter card for people who want a consistent rewards rate with no annual fee — but if you want better rewards and more perks, you might need to pay a little more and get a different card.

Find out more about the Bank of America® Travel Rewards credit card.

Best for balance transfers: BankAmericard® credit card

Here’s why: You could get more time to pay off debt without racking up hefty interest charges with the BankAmericard® credit card.

See why in reviews of BankAmericard® credit card.

Best for students: Bank of America® Customized Cash Rewards credit card for Students

Here’s why: College students can build credit while earning high cash back rates — for a student card.

Learn more about student credit cards.

Best for small businesses: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Here’s why: The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card could make business trips a lot more valuable with consistent rewards on all purchases and no annual fee.

See how the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card compares.

How we picked these cards

Bank of America offers a wide range of credit cards, so we divided them into audience-specific subcategories to address the unique needs of a few large groups.

We reviewed each credit card that Bank of America currently offers, carefully considering factors like sign-up bonuses, potential rewards and relevant fees. We tried to balance the value of rewards against the cost of maintaining your account to come up with picks that won’t require constant attention.

How to make the most of these Bank of America credit cards

When it comes to maximizing the value of your Bank of America credit card, there’s another feature you should know about, regardless of the type of card you have.

If you have a Bank of America card, it could make sense to link (or sign up for) an active Bank of America checking or savings account or a Merrill investment account so that you can utilize the company’s Preferred Rewards program.

When you enroll in the program, you can earn higher rewards on eligible Bank of America credit cards depending on how much money you have deposited in your account. There are four tiers — Gold, Platinum, Platinum Honors and Diamond — with different account thresholds and rewards levels. The Gold tier offers a 25% bonus on points for eligible Bank of America credit cards, while the Platinum Honors and Diamond tiers offer the highest bonus rate at 75%.

Even the Gold tier requires keeping a serious amount of money ($20,000) in your account, so these added benefits aren’t for everyone. It’s best to think of the tiers as an add-on benefit and not a core component of your Bank of America credit card.

FAQs about Bank of America credit cards

Is a Bank of America card hard to get? What credit score is needed for Bank of America credit card?

Bank of America doesn’t publish credit score requirements on its website. In general, you have a better chance of getting approved for a credit card if you demonstrate good credit habits.

What credit cards does Bank of America issue?

Bank of America issues more than a dozen credit cards, including the ones mentioned in this article.

Which Bank of America card has the best rewards/benefits?

The Bank of America® Premium Rewards® credit card is a great choice for travel rewards and benefits. It also has a reasonable annual fee for a premium rewards card.

About the author: Tim Devaney is a personal finance writer and credit card expert at Credit Karma. He’s a longtime journalist who prides himself on being a good storyteller who can explain complex information in an easily digestible wa… Read more.

The 7 best Bank of America credit cards of 2024

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