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Bank of America credit cards might not be as flashy as those from big issuers like Chase and American Express, but that doesn't make them any less worthwhile. Bank of America offers a surprising number of cash-back, flexible points, and travel credit cards worth considering, including personal and small-business credit card options.
Bank of America® Unlimited Cash Rewards Credit Card
3.9/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening
Rewards
Earn unlimited 1.5% cash back on all purchases.
Best for flat-rate cash back
Bank of America® Unlimited Cash Rewards Credit Card
3.9/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening
Bank of America® Unlimited Cash Rewards Credit Card
On Bank of America's website
Best for flat-rate cash back
Insider’s Take
The Bank of America® Unlimited Cash Rewards Credit Card is one of the best Bank of America credit cards for those looking for no-annual-fee card that earns a high rate of cash back on all purchases — and if you're a Bank of America Preferred Rewards customer, it has the potential to be even more lucrative. With a strong welcome bonus and introductory APR offer, it's ideal for those who prefer a straightforward cash-back card.
Details
Rewards
Earn unlimited 1.5% cash back on all purchases.
Annual Fee
$0
Intro offer
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.24% - 28.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for the first 15 billing cycles on purchases and on any balance transfers made in the first 60 days
Editor's Rating
3.9/5
3.9 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Decent welcome bonus
Generous 0% APR offer on purchases and balance transfers
You can earn up to 75% more rewards for your spending if you’re a Bank of America Preferred Rewards customer
Cons
3% foreign transaction fee
Other cards offer better travel and purchase benefits
Highlights
More Information
$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 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.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
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.
Bank of America® Customized Cash Rewards Credit Card
3.9/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
Rewards
Earn 3% cash back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (up to $2,500 each quarter, then earn 1%). Earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 each quarter, then earn 1%). Earn 1% cash back on other purchases.
Best for customizing your own bonus category
Bank of America® Customized Cash Rewards Credit Card
3.9/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
Rewards
Earn 3% cash back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (up to $2,500 each quarter, then earn 1%). Earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 each quarter, then earn 1%). Earn 1% cash back on other purchases.
Bank of America® Customized Cash Rewards Credit Card
On Bank of America's website
Best for customizing your own bonus category
Insider’s Take
The Bank of America® Customized Cash Rewards Credit Card is worth considering if you're looking for a no-annual-fee cash-back credit card that lets you choose your highest rewards category.
Details
Rewards
Earn 3% cash back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (up to $2,500 each quarter, then earn 1%). Earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 each quarter, then earn 1%). Earn 1% cash back on other purchases.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.24% - 28.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 18 billing cycles and for any balance transfers made within the first 60 days of account opening
Editor's Rating
3.9/5
3.9 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
No annual fee
Broad 2% and 3% cash-back categories
Cons
Earn 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter.
Highlights
More Information
$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.
If you're a 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 no expiration on rewards.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
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.
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
25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening
Rewards
Earn an unlimited 1.5 points for each dollar you spend on your card
Best for travel
Bank of America® Travel Rewards credit card
3.9/5
Annual Fee
$0
Intro offer
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
25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening
Rewards
Earn an unlimited 1.5 points for each dollar you spend on your card
The Bank of America® Travel Rewards credit card is a good travel credit card for beginners or those who prefer simplicity in earning and redeeming rewards.
Details
Rewards
Earn an unlimited 1.5 points for each dollar you spend on your card
Annual Fee
$0
Intro offer
25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening
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
Show more
Recommended Credit
Good to excellent
Regular Annual Percentage Rate (APR)
18.24% - 28.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for the first 15 billing cycles on purchases and on balance transfers made within the first 60 days of account opening
Editor's Rating
3.9/5
3.9 out of
5 Stars
Pros & Cons
Pros
Earns 1.5 points per dollar on every purchase
No annual fee or foreign transaction fee
Cons
Some cards earn more rewards, though usually only in bonus categories
You can't transfer points to travel partners (though you can use points to cancel out travel purchases on your statement)
Highlights
More Information
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.
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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
If you're a 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.
The Bank of America® Premium Rewards® credit card is ideal for folks who want a travel credit card with strong points earning and top-notch benefits without a high annual fee.
Details
Rewards
Earn 2x points for every $1 spent on travel and dining purchases. Earn 1.5x points for every $1 spent on all other purchases.
Annual Fee
$95
Intro offer
60,000 points after you make at least $4,000 in purchases in the first 90 days of account opening
60,000 points after you make at least $4,000 in purchases in the first 90 days of account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.24% - 27.24% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.35/5
4.35 out of
5 Stars
Pros & Cons
Pros
Statement credits can help you recoup the annual fee
Earns 1.5 points per dollar on every purchase
Good sign-up bonus
Cons
To earn the highest rewards rate, you need to qualify for Bank of America's Preferred Rewards program, which requires a minimum of $20,000 in eligible accounts
Highlights
More Information
NEW OFFER! 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.
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.
one ticket for just the taxes and fees when you buy one ticket and 40,000 bonus miles when you make $3,000 or more in purchases within the first 90 days of account opening
Rewards
Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn 2 miles for every $1 spent on eligible gas, cable, streaming services and local transit purchases. Earn 1 mile for every $1 spent on all other purchases.
Best airline card
Alaska Airlines Visa® Credit Card
3.45/5
Annual Fee
$95
Intro offer
one ticket for just the taxes and fees when you buy one ticket and 40,000 bonus miles when you make $3,000 or more in purchases within the first 90 days of account opening
Rewards
Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn 2 miles for every $1 spent on eligible gas, cable, streaming services and local transit purchases. Earn 1 mile for every $1 spent on all other purchases.
The Alaska Airlines Visa® Credit Card is an excellent choice if you fly Alaska Airlines or use its miles to book partner awards.
Details
Rewards
Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn 2 miles for every $1 spent on eligible gas, cable, streaming services and local transit purchases. Earn 1 mile for every $1 spent on all other purchases.
Annual Fee
$95
Intro offer
one ticket for just the taxes and fees when you buy one ticket and 40,000 bonus miles when you make $3,000 or more in purchases within the first 90 days of account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.74% - 27.74% variable
Editor's Rating
3.45/5
3.45 out of
5 Stars
Pros & Cons
Pros
Annual companion fare benefit
Free first checked bag and priority boarding on Alaska flights
10% bonus on earned miles if you have an eligible Bank of America or Merrill account
Cons
Annual fee increased from $75 to $95 at the beginning of 2023
Must use the card to pay for your flight to get free checked bag and priority boarding
Highlights
More Information
Click "APPLY NOW" to apply online
LIMITED TIME ONLINE OFFER – Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and receive 40,000 bonus miles. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Get a $100 statement credit, 50,000 bonus miles and Alaska's Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.
Get Alaska’s Famous Companion Fare™ from $122 ($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 3 miles for every $1 spent on eligible Alaska Airlines purchases. NEW! Earn 2 miles for every $1 spent on eligible gas, cable, streaming services and local transit including ride share purchases. Earn 1 mile per $1 spent on all other purchases.
NEW! 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 (NEW!) 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 co-applicants and 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.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
On Bank of America®'s website
Best small business card with flat-rate cash back
Details
Rewards
Earn unlimited 1.5% cash back on all purchases
Annual Fee
$0
Intro offer
$300 statement credit after you spend $3,000 in purchases in the first 90 days of your account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
16.74% - 26.74% variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first nine billing cycles
Editor's Rating
4.1/5
4.1 out of
5 Stars
Pros & Cons
Pros
You can earn a $300 welcome bonus offer
1.5% cash back on all purchases with no cap
No annual fee
Cons
Some cards offer longer intro APR and higher rewards rates
You need to be a Preferred Rewards member to earn higher rewards
3% foreign transaction fee
Highlights
More Information
Click "APPLY NOW" to apply online
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 unlimited 1.5% cash back on all purchases everywhere, every time.
No annual cap and cash rewards don’t expire.
No annual fee.
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 our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
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.
0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.
Best small-business card with customizable rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
4.05/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
Rewards
Earn 3% cash back in the category of your choice (gas stations is the default category). Earn 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.
Best small-business card with customizable rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
4.05/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
Rewards
Earn 3% cash back in the category of your choice (gas stations is the default category). Earn 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
On Bank of America's website
Best small-business card with customizable rewards
Insider’s Take
The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is great for small-business owners who want to control how they earn rewards and maximize every dollar spent. The card has a solid welcome bonus, good redemption options, and a fair intro APR deal. But if you don't spend big in the select bonus categories, you should consider a different no-annual-fee business rewards card.
Details
Rewards
Earn 3% cash back in the category of your choice (gas stations is the default category). Earn 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
$300 statement credit after making $3,000 in purchases in the first 90 days of your account opening
Show more
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
16.74% - 26.74% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first nine billing cycles
Editor's Rating
4.05/5
4.05 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Good welcome bonus for a no-annual-fee business card
Cardholders can choose their own 3% cash-back category from a list
Bank of America Preferred Rewards for Business customers can earn up to 75% more rewards
Cons
3% and 2% cash back categories are capped at $50,000 in combined purchases per year (then 1%)
Card only earns 1% back in non-bonus categories
Foreign transaction fees
Highlights
More Information
Click "APPLY NOW" to apply online
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 (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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
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 16.74% to 26.74% 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.
Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card
On Bank of America's website
Best small-business card for travel
Details
Rewards
Earn 3x points when you book your travel (car, hotel, airline) through the Bank of America® Travel Center. Earn 1.5x points on all other purchases.
Annual Fee
$0
Intro offer
30,000 bonus points after you spend $3,000 in purchases in the first 90 days of your account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
16.74% - 26.74% variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first nine billing cycles
Editor's Rating
3.9/5
3.9 out of
5 Stars
Pros & Cons
Pros
You can earn 30,000 welcome bonus points
1.5 points per dollar on every purchase with no cap
No annual fee/foreign transaction fee
Cons
Some cards offer longer intro APR
There are no airline or hotel partners to transfer points to
Highlights
More Information
Click "APPLY NOW" to apply online
Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time - no matter how much you spend.
No limit to the amount of points you can earn and points don't expire.
You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
No annual fee and no international transaction fees.
Choose how to redeem points - for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.
Bank of America Credit Card Frequently Asked Questions
What credit score do you need to apply for a Bank of America credit card?
You need a good to excellent credit score to qualify for the best Bank of America credit cards (most of the cards on this list) — meaning a FICO score of at least 670. Certain cards (such as the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card and the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card) require you to have excellent credit (FICO score of at least 800).
That said, Bank of America does offer secured credit cards for folks with limited or no credit history.
How do you request a credit line increase with Bank of America?
You can request a credit line increase on eligible Bank of America credit cards when you sign into your Online Banking account, select your credit card, go to Account Summary, and click the "Request a credit line increase" link under Card Details.
How can you avoid paying interest on your Bank of America card?
The best way to avoid paying interest on your Bank of America card (as with all credit cards) is by paying your card in full and on time consistently. Just paying the monthly minimum won't prevent you from incurring interest on the remaining balance (interest is charged on your next statement).
If you struggle to remember to pay your balance every month, you can set up automatic payments through the Online Banking app or site.
The Bank of America® Unlimited Cash Rewards Credit Card is an excellent choice for straightforward flat-rate rewards on all purchases. Cardholders get a generous welcome bonus and flexible redemption options for no annual fee. One of the greatest aspects of this card is the long 0% intro APR on balance transfers and purchases.
The no-annual-fee Bank of America Unlimited Cash Rewards Card earns unlimited 1.5% cash back on all purchases, which is great for folks looking for straightforward rewards. It has a 0% intro APR for the first 15 billing cycles on purchases and on any balance transfers made in the first 60 days (then a 18.24% - 28.24% Variable APR).
You can redeem cash back as a statement credit, deposits into an eligible Bank of America account, and credits to a qualifying Merrill account. Your rewards won't expire as long as your account is open and in good standing.
As with most BofA cards, new and existing cardholders can now activate a free year of Grubhub+ membership, which includes free delivery on orders over $12. However, the Bank of America Unlimited Cash Rewards Card doesn't offer many other perks (which is common for no-annual-fee cards). So if you're looking for significant travel or purchase benefits, you should consider a different rewards credit card. There are also foreign transaction fees, so it's not a good card for international purchases.
The no-annual-fee Bank of America® Customized Cash Rewards Credit Card is a great cash-back card for customizable rewards (from a list) and earns a strong welcome bonus. Plus, it has flexible redemption options and a long intro APR on balance transfers and purchases.
The Bank of America® Customized Cash Rewards Credit Card earns 3% cash back in the category of your choosing (gas, online shopping, dining, travel, drug stores, or home improvement/furnishing). You'll also earn 2% back at grocery stores and wholesale clubs, and 1% cash back on all other purchases). However, the 3% and 2% rates only apply to the first $2,500 spent in combined purchases each quarter (then 1% cash back).
The card has a 0% intro APR on purchases for the first 18 billing cycles and for any balance transfers made within the first 60 days of account opening (then a 18.24% - 28.24% Variable APR).
Apart from a free year of GrubHub+ membership, the Bank of America® Customized Cash Rewards Credit Card doesn't offer many additional perks. Also, you'll be charged a foreign transaction fee, so it's not a good card to travel with.
The no-annual-fee Bank of America® Travel Rewards credit card offers simple flat-rate rewards on all purchases, a good welcome bonus, and a long 0% intro APR deal.
With the Bank of America® Travel Rewards credit card, you'll earn 1.5 points per dollar spent on all purchases, with no caps. Cardholders can redeem rewards points at a rate of 1 cent each for statement credits toward travel (such as hotels, airlines, motels, and timeshares) and dining purchases. You can also use points for non-travel redemptions like gift cards, direct deposit, check, or credit to an eligible Merrill account, but at a reduced rate.
The card comes with a 0% intro APR for the first 15 billing cycles on purchases and on balance transfers made within the first 60 days of account opening (then a 18.24% - 28.24% Variable APR). The Bank of America® Travel Rewards credit card also doesn't have a foreign transaction fee, which makes it a decent option for international travel.
But if you're looking for travel insurance or perks, you're better off with a different travel rewards card.
The Bank of America® Premium Rewards® credit card earns great rewards on all purchases (no cap) and offers a huge welcome bonus. It also comes with terrific travel benefits like baggage delay insurance and no foreign transaction fees.
With the Bank of America® Premium Rewards® credit card, you can earn an excellent welcome bonus and up to $200 in travel statement credits, for a modest $95 annual fee. It also has flexible redemption options and built-in travel benefits. Cardholders earn an unlimited 2x points on travel and dining purchases (1.5x points on all other purchases).
$95 cardholders receive up to $100 in airline incidental statement credits annually, up to $100 toward the Global Entry/TSA PreCheck application fee (every four years), and travel insurance protection. Plus, there are no foreign transaction fees which makes it a good card to travel overseas with.
The Alaska Airlines Visa® Credit Card earns valuable Alaska Airlines miles with a simple earning structure. It comes with excellent perks for Alaska flyers and a substantial welcome bonus, making the card well worth the $95 annual fee.
The Alaska Airlines Visa® Credit Card gets cardholders exclusive savings on travel and unlimited 3 miles per dollar spent on eligible Alaska Airlines purchases, 2x miles on gas, local transit including rideshare, and cable and select streaming services, and 1x miles on all other purchases. Cardholders receive money-saving perks like an annual companion fare (from $122) after spending $6,000 or more within the prior year, 20% back on all Alaska Airlines inflight purchases, and priority boarding and a free checked bag on Alaska flights (worth $30) when you use the card to pay for your flight.
The Alaska Airlines Visa® Credit Card doesn't charge foreign transaction fees, which means it's a good option for international purchases.
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card earns straightforward cash back on all purchases, with no category restrictions. Plus, it has a solid welcome bonus and decent perks for a no-annual-fee credit card. Cardholders also get $100,000 in travel accident insurance.
The no-annual-fee Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card is a great card for small businesses with expenses in a bunch of different categories. You'll earn unlimited 1.5% cash back on all purchases and a decent welcome bonus. Cash back is redeemable at any time as a statement credit, a check, direct deposit to a Bank of America checking or savings account, or as a credit to an eligible Merill investment account.
One notable perk is that you'll receive $100,000 in travel accident insurance. In addition, the Bank of America® Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card gets you auto rental insurance, emergency ticket replacement, lost-luggage assistance, overdraft protection, and legal/medical referrals while traveling.
But it has a shorter intro APR deal than the personal version of the card. New cardholders receive a 0% intro APR on purchases for the first nine billing cycles (then a 16.74% - 26.74% variable APR). Also, it charges foreign transaction fees (3%), so it's not an ideal card for traveling overseas.
The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card earns customizable rewards in your highest eligible earning category (with a cap). Cardholders also receive a decent welcome bonus offer and perks.
Your business earns 3% cash back in the category of your choosing (from a list), 2% cash back on dining, and 1% cash back on all other purchases when you use the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. The 3% and 2% earning rates are capped after you the first $50,000 spent in combined totals per calendar year (1% back then after).
You can choose which bonus category to earn 3% cash back in (gas stations, office supply stores, travel, TV/telecom/wireless, computer services, or business consulting services), and you can switch your earning category up to once a month. There are several options for redeeming rewards, including statement credits, checks, or direct deposit to an eligible BofA or Merill account.
New cardholders can take advantage of a 0% intro APR on purchases for the first nine billing cycles (then a 16.74% - 26.74% Variable APR).
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card gets you auto rental insurance, emergency ticket replacement, lost-luggage assistance, overdraft protection, $0 liability protection, purchase protection, and extended warranty. There is a foreign transaction fee, so it's not a good card for international purchases.
The Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card earns 3 points per dollar on travel booked through the Travel Site (1.5x flat-rate rewards on all other purchases), a large welcome bonus, and decent travel perks for no annual fee.
The no-annual-fee Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card earns 1.5 points per dollar spent on all purchases, as well as 3x points on travel (such as car rentals, airlines, and hotel bookings) through the Bank of America Travel Center, and a large welcome bonus.
Points are redeemable as cash, check, direct deposit, gift card, or credit to an eligible BofA/Merill account. The Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card also lets you redeem rewards on eligible travel and dining-related purchases (rate of 1 cent per point). Redemption categories include:
Airlines
Hotels
Trailer parks
Cruise lines
Zoos
Restaurants
Carnivals
Art galleries
Travel agencies
Although it gives cardholders access to a lot of different ways to redeem, determining what is eligible or not could potentially become tricky. So, if you're looking for straightforward point redemptions, you might consider a different travel rewards card.
The Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card has a 0% intro APR on purchases for the first nine billing cycles (then a 16.74% - 26.74% variable APR).
You'll also get accident insurance, lost luggage reimbursement, trip cancellation coverage, overdraft protection, and fraud protection. There are no foreign transaction fees, which means it's a good card to travel internationally with.
Earn More With the Bank of America Preferred Rewards Program
Bank of America cards are much more valuable if you're a member of Bank of America Preferred Rewards. The Bank of America Preferred Rewards program earns cardholders up to 75% more rewards and exclusive benefits on eligible Bank of America cards (not including co-branded cards like the Alaska Airlines Visa® Credit Card). You need at least $20,000 total in your Bank of America or Merrill (BofA's wealth management division) accounts to become a Preferred Rewards member.
Your reward rates and benefits are determined by your tier level.
Depending on your tier level, being a Preferred Rewards member can significantly increase the value of certain Bank of America credit cards. For example, the Bank of America® Unlimited Cash Rewards Credit Card earns up to 2.625% cash back on all purchases (1.5% normally).
Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She reports on investing-related topics like cryptocurrency, the stock market, and retirement savings accounts. She originally joined the PFI team as a Personal Finance Reviews Fellow in 2022.Her love of books, research, crochet, and coffee enriches her day-to-day life.
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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