Bank of America Credit Card offers amazing benefits from cashback to travel rewards to customers. These credit cards are not as flashy as other card issuers like American Express and Chase, but it is also worth using. By enrolling in Bank of America’s Preferred Rewards program, users can get rewards of up to 75% on transactions.
If you are looking for The Best Bank of America Credit Card, then we have created a list of credit cards with amazing features. From all of them, you can find The Best Bank of America Credit Card based on your requirements and monthly spending. The bank provides flexible points, cashback, and travel rewards with personal and small business card options.
In this guide, you will learn about Bank of America’s credit card features and benefits and why these cards are at the top of our list of Bank of America Credit cards. Let’s check the Best Bank of America Credit Card with amazing features and cashback offers.
The Best Bank of America Credit Cards 2024
We have picked some best Bank of America credit cards offered by the Bank of America that are worth considering.
Credit Card | Intro Offer | Annual fee | Rewards | Payment Option |
Bank of America ® Customised Cash Rewards | $200 cash rewards | $0 | 1-3% cashback | Tap to pay |
Bank of America ® Travel Rewards Credit Card | 25,000 points | $0 | 1.5 × points | Tap to pay |
Bank of America ® Unlimited Cash Rewards | $200 cash rewards | $0 | 1.5% cashback | Tap to pay |
BankAmericard® Credit Card | Save on interest | $0 | No rewards | Tap to pay |
Bank of America ® Premium Rewards ® Credit card | 50,000 points | $95 | 1.5× – 2× points | Tap to pay |
Bank of America ® Premium Rewards ® Elite Credit Card | 50,000 points | $550 | 1.5× – 2× points | Tap to pay |
Bank of America ® Business Advantage Travel Rewards World MasterCard® Credit Card | 30,000 points | $0 | 1.5× points | Tap to pay |
Alaska Airlines Visa® Credit Card | 70,000 points | $95 | 1.5× points | Tap to pay |
Bank of America ® Business Advantage Unlimited Cash Rewards Credit Card | $300 | $0 | 1.5 % cashback points | Tap to pay |
Bank of America Business Advantage Customised Cash Rewards Credit Card | $300 | $0 | 1 – 3 % cashback points | Tap to pay |
Best Bank of America Credit Cards
1. Bank of America ® Customised Cash Rewards Credit Card
Best for Bonus Category Rewards
The Bank of America ® Customised Cash Rewards Credit Card is the best credit card with zero annual fees. You can customize your rewards and earn a good welcome bonus of $200. It also offers redemption options for balance transfers and purchases.
With this Bank of America credit card, you can earn 3% cashback on making purchases of choice categories like Gas, online shopping, dining, travel, drug store, home improvement, and furnishings. 2% cashback can be earned on the purchase of the first $2,500 on combined categories like the grocery store and wholesale club. If you make other purchases, then you will earn 1% cashback on them.
You can easily change your choice categories for rewards by using online banking or mobile banking apps. These changes can be made every month. The rewards will be the same if you don’t change any category.
Features:
- 0% intro APR for balance transfers and first 18 billing cycles in the first 60 days after account opening
- After the completion of the APR offer, 17.49% to 27.49% APR with 3% fees on fund transfer
- 25-75% more cashback on purchases for Preferred Rewards members
- Zero annual fee
2. Bank of America ® Travel Rewards Credit Card
Best for Travel Rewards
Bank of America Travel Rewards comes with zero annual fees. It helps to earn amazing rewards by making travel purchases. This card is best for those who mostly travel and want to get some rewards while making transactions at art galleries, zoos, and campgrounds.
For every dollar spent on purchases, The Bank of America credit card offers unlimited 1.5 points which can be redeemed through a statement credit. The points can also be redeemed in restaurants. The member with the Preferred Rewards program can use this card for travel infrequently to earn good redeem points and avoid annual fees.
You can also redeem points for non-travel things such as checks, direct deposits, gift cards, etc. Bank of America ® Travel Credit Card is the best option for international travel because of its zero foreign transaction fee.
Features:
- No annual fee
- Unlimited 1.5 points on every $1 dollar spent on purchases with no expiration date
- Redeem points through statement credit cards for dining and travel purchases
- 0% intro APR in the first 18 billing cycles on purchase and balance transfer in the first 60 days after opening the account
- 1.87 to 2.62 points for $1 spent on Preferred Rewards Program members
3. Bank of America ® Unlimited Cash Rewards Credit Card
Best for Easy Cashback
With Bank of America ® Unlimited Cash Rewards Credit Card, users can get flat 1.5% cashback on all kinds of purchases. If you are a new credit card user, then this card is the best option to get straight cash-back rewards. The members of the Preferred Rewards Program can earn more than 1.5% cash back on every purchase.
It comes with zero annual fees to earn simple cashback. You will get a welcome bonus and flexible redemption options at no extra charge. The main benefit of the Bank of America ® Unlimited Cash Rewards Credit Card is a long-term 0% intro APR on purchases and fund transfers.
The earned cashback from the Bank of America credit card can be redeemed through statement credit, bank of America account deposit, and Merrill account credits. The rewards don’t expire until your account gets closed.
Features of Bank of America ® Unlimited Cash Rewards Credit Card:
- Zero annual fee
- Flat 1.5% cashback
- Unlimited cashback on purchases without an expiration date
- 0% intro APR on first 18 purchases or fund transfers within the first 60 days of account opening
- 1.87 to 2.62% cash back on every purchase for Preferred Rewards members.
4. BankAmericard® Credit Card
Best for Fund transfer
BankAmericard ® Credit Card is the best option to transfer the balance to other accounts. This card can be used by people who don’t want to pay interest charges on qualifying balance transfers.
It also comes with a 0% intro APR period and zero annual fees. While using this card, you don’t need to deal with high-interest credit card debt.
Features of BankAmericard ® Credit Card:
- Zero annual fees
- No penalty APR
- 0% intro APR for the first 21 purchases and fund transfers within 60 days of account opening
- $100 bonus on minimum purchase of $1000 within first 90 days of account opening
- Easy to check your FICO Score for free by using online banking and mobile banking app
5. Bank of America ® Premium Rewards ® Credit Card
Best for Travel Rewards
This card is best for earning higher rewards by making travel and dining purchases. It comes with low annual fees of $95 which maximize your benefits on spending by the Preferred Rewards program.
Bank of America ® Premium Rewards ® Credit Card provides 50% higher commission than other credit cards on “all other spendings”. It also gives lots of travel perks which make it worth the annual fee.
Features of Bank of America ® Premium Rewards ® Credit Card:
- 50,000 bonus points
- Less $95 annual fee
- Earn 2 points for every 1 dollar spent on dining and travel and 1.5 points for every $1 spent on other transactions.
- Upto $200 Airline Incidental and TSA PreCheck® and access to world-class travel purchases
- For Preferred Rewards members, 2.5 to 3.5 points for every $1 spent on travel and dining purchases and 1.87 to 2.62 points on every $1 spent on other transactions.
6. Bank of America ® Business Advantage Travel Rewards World MasterCard ® Credit Card
Best for Travel Rewards for Business People
This is the best card to earn travel rewards by paying zero annual fees. If you are a business owner and want a credit card with no foreign transaction fees, then this card will help you to travel around the world at no extra charges.
It provides 30,000 bonus points after purchasing a minimum of $3,000 in the first 90 days of account opening.Â
Features of Bank of America ® Business Advantage Travel Rewards World MasterCard ® Credit Card
- Offers 3 points on every $1 spent on travel purchases, 2 points on every $1 spent on grocery and dining purchases, and 1 point on every $1 spent on other kinds of purchases
- Provides 50,000 bonus points and a $100 flight voucher on the minimum purchase of $1,000 in the first 90 days of account opening
- Offers a $100 flight voucher every year on making a purchase of $5,000 in the previous anniversary year
- There is no limit and the expiry date on the points you earned.
Read more: Top 15 Largest Banks in the US by Assets in 2024
Bank of America Credit Card Customer Service
If you want to contact the Bank of America Credit Card support team, then it can be done by the helpline we are going to share below.
Bank of America Credit Card Phone Number:
1 (800) 732-9194
1 (800) 276-9939
1 (866) 266-0212
Conclusion
In this guide, you know about The Best Bank of America Credit Card which gives amazing signup bonuses and rewards on every purchase. Most of the cards we listed above have zero annual fees. So, if you make lots of purchases every month by other means like a debit card or cash, then you don’t get attractive bonuses and cashback points.
However, Using a Bank of America Credit Card helps you to increase your earning potential by providing cashback points and better rewards. All the earned cash-back points can be redeemed through a Bank of America Credit card login using Mobile banking and online banking. The earned points on a Bank of America travel card can be redeemed for further travel purchases like dining, hotel stays, and many more.Â
The best thing about Bank of America is it provides Credit Cards for every kind of person such as students, travelers, businessmen, and normal people. So they provide the card according to their requirements and monthly spending.
I hope you like this article and get valuable information about the Bank of America Credit Card. Now, we are leaving and will come back with the next amazing topic.
People Also Ask
How hard is it to get a Bank of America, Credit Card?
When you fulfill the credit score and other requirements, then you can easily apply for a Bank of America Credit Card.
How much is the credit limit of Bank of America?
The credit limit of a Bank of America Credit card varies according to the worthiness of the cardholder. Initially, most cardholders get a credit limit of $1,000 to $15,000.
Which credit card from Bank of America can I get easily?
The easiest card you can apply for is the Bank of America Unlimited Cash Rewards Secured Card. For this card, you don’t need to fulfill the credit score requirement.
What are the 5 best credit cards of March 2023?
- Wells Fargo Active Cash® Card
- Discover it® Cashback
- Capital One SavorOne Cash Rewards Credit Card
- Chase Sapphire Preferred ® Card
- Wells Fargo Reflect® Card
How much is the highest credit limit for a Bank of America Credit card?
The applicant with a high credit score can get a maximum credit limit of $95,000.
What is the easiest credit card to apply for?
- Discover it® Secured Credit Card
- OpenSky® Secured Visa® Credit Card
- DCU Visa ® Platinum Secured Credit Card
- First credit card
How much should I spend on my credit card credit limit?
The best advice is to not spend more than 30% of your credit limit to maintain your good credit score. Like if you have a credit limit of $1000, then don’t spend more than $300.
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