Bank of America credit cards

These offers are no longer available on our site: Bank of America® Premium Rewards® credit card, BankAmericard® credit card

Hear from our editors: The 8 best Bank of America credit cards of December 2026

Updated December 22, 2025

This date may not reflect recent changes in individual terms.

Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Written by: Tim Devaney

Edited by: Mónica Camargo, Senior Manager, Credit & Debt

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 premium travel: Bank of America® Premium Rewards® Elite 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.

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 premium travel: Bank of America® Premium Rewards® Elite credit card

Here’s why: This card’s flexible travel credits can help you relax in a variety of ways, either at the airport or on the plane.

Learn more about the Bank of America® Premium Rewards® Elite 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.