Best Bank of America credit cards of November 2025
As one of the largest financial institutions in the U.S., it’s no surprise that there are a variety of options when picking the best Bank of America credit cards to add to your wallet. The issuer offers a variety of cards that can cater to almost all consumers and small businesses — whether you’re looking to earn cash back on everyday purchases or rack up travel rewards.
Many of these cards are especially lucrative when paired with a Preferred Rewards account to boost your earning rates, so see our picks for the best Bank of America credit cards below.
- Bank of America® Premium Rewards® credit card: Best for travel rewards
- Atmos™ Rewards Ascent Visa Signature® Credit Card: Best for frequent Alaska and Hawaiian flyers
- Bank of America® Customized Cash Rewards credit card: Best for flexible earning structure
- Bank of America® Travel Rewards credit card: Best for travel rewards beginners
- Bank of America® Unlimited Cash Rewards credit card: Best for flat-rate earning structure
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for customizing your highest spend category
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for BofA business owners who want customizable rewards
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for BofA business owners who travel often
- Atmos™ Rewards Summit Visa Infinite® Credit Card: Best for A premium card with flexible perks for frequent Oneworld flyers
- Atmos™ Rewards Visa Signature® Business Card: Best for Alaska loyalists
- Air France KLM World Elite Mastercard®: Best for flyers who regularly fly SkyTeam Alliance
- Bank of America® Premium Rewards® Elite credit card: Best for simple redemption
Comparing the best Bank of America credit cards
at Bank of America's secure site
| 2X | Earn unlimited 2 points for every $1 spent on travel and dining purchases. |
| 1.5X | Earn unlimited 1.5 points for every $1 spent on all other purchases. |
The Bank of America Premium Rewards card allows cardmembers to earn 2 points per dollar on travel and dining expenses, but Bank of America Preferred Rewards® members will earn at a higher rate of up to 3.5 points per dollar spent. Read our full review of the Bank of America Premium Rewards credit card.
Pros
- This card is more valuable for Bank of America Preferred Rewards® members, who can get between a 25% and 75% bonus on points earned
- Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA PreCheck® statement credit and travel protections
- Can transfer points earned into a 529 college fund
Cons
- Other cards offer higher points for key bonus categories
- Must open a Bank of America account to get the best value for points
- Low $95 annual fee.
- 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.
- 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.
Best for frequent Alaska and Hawaiian flyers
at Bank of America's secure site
| 3 points | Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. |
| 2 points | Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. |
| 1 point | Earn unlimited 1 point per $1 spent on all other purchases. |
The Atmos™ Rewards Ascent Visa Signature® Credit Card is a solid choice for budget-conscious Alaska and Hawaiian Airlines flyers who want to minimize the cost of holding a cobranded airline card.
Pros
- Free checked bag on Alaska and Hawaiian flights
- Priority boarding on Alaska Airlines or Hawaiian Airlines (for main cardholder and up to 6 guests on the same reservation when you pay for flights with this card)
- No foreign transaction fees
Cons
- Has a $95 annual fee
- Limited time online offer – 60,000 bonus points + a 30% global flight discount code.
- Receive a 30% global flight discount code for a qualifying future flight after opening your new account. Additionally, earn 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 or more on purchases within the first 90 days of opening your account.
- Get a $99 Companion 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 and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
- Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 point per $1 spent on all other purchases. Points don’t expire on active accounts.
- Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
- Earn and redeem across 1,000+ destinations worldwide with oneworld® Alliance member airlines and 30+ global air partners.
- 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.
at Bank of America's secure site
| 6% | Earn 6% cash back for the first year in the category of your choice. |
| 3% | Earn 3% cash back after the first year from account opening in your choice category. |
| 2% | Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. |
| 1% | Earn 1% cash back on all other purchases. |
If you find that other cash-back cards don’t exactly match your lifestyle and spending habits, you’ll like the flexibility of the Bank of America® Customized Cash Rewards credit card. You have the power to pick your bonus category each month, which can appeal to those who don’t have traditional spending habits. Read our full review of the Bank of America Customized Cash Rewards credit card.
Pros
- Flexible earning structure
- No annual fee or expiration on rewards
- Decent welcome offer
Cons
- Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
- 3% foreign transaction fee
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- 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 17.74% - 27.74% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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
at Bank of America's secure site
| 3X | Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
| 1.5X | 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. |
When you’re stepping into the world of travel rewards, it’s likely you’re looking for simple earning and redemption options — and that’s exactly what the Bank of America Travel Rewards credit card is best at. Read our full review of the Bank of America Travel Rewards credit card.
Pros
- 1.5 points per dollar on all purchases
- No annual fee
- No foreign transaction fees
Cons
- Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One
- No travel and purchase protections.
- 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.
- 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.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- 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 17.74% - 27.74% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- 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.
Best for flat-rate earning structure
at Bank of America's secure site
| 2% | Earn 2% cash back on all purchases for the first year from account opening |
| 1.5% | Earn 1.5% cash back on all purchases after the first year from account opening |
The Bank of America Unlimited Cash Rewards credit card brings in simplicity to the line-up of the best Bank of America cards. You could potentially earn 25 to 75% more cash back on every purchase if you’re a Bank of America Preferred Rewards® member. That means you could earn up to 2.62% cash back on every purchase. Read our full review of the Bank of America Unlimited Cash Rewards credit card.
Pros
- 2% cash back on purchases for the first year, after that an unlimited 1.5% earnings on every single purchase
- 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
Cons
- Other cards can offer bonus points on common everyday purchases
- 3% foreign transaction fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- New Offer! Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- 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 17.74% - 27.74% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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.
Best for customizing your highest spend category
at Bank of America's secure site
| 3% | Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). |
| 2% | Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). |
| 1% | Earn 1% cash back on all other purchases. |
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is a no-annual-fee business card that lets owners tailor their rewards to match spending. Cardholders earn 3% cash back in a category of their choice, 2% on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% on everything else. Preferred Rewards for Business members can also access elevated cash back rates, making this card highly rewarding for existing BofA business customers.
Pros
- Multiple bonus cash-back categories.
- Unlimited flat-rate cash back on all other purchases.
- There is no annual fee.
- Bank of America Preferred Rewards for Business program members are eligible for elevated rewards earning.
Cons
- 3% foreign transaction fee.
- Capped earning on bonus categories.
- 3% bonus category has to be manually chosen and can only be changed once a month.
- 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 16.99% to 26.99% 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 for BofA business owners who want customizable rewards
at Bank of America's secure site
| 1.5% | Earn unlimited 1.5% cash back on purchases. |
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card keeps things simple with unlimited 1.5% cash back on every purchase and no annual fee. Bank of America Preferred Rewards for Business members can earn an elevated cash-back rate of up to 2.62% — one of the strongest flat-rate earning structures available on a no-annual-fee card.
Pros
- Earns an unlimited 1.5% cash back on all purchases.
- Cash rewards have no expiration date and multiple redemption options.
- There is no annual fee.
- Bank of America Preferred Rewards for Business members are eligible for elevated rewards earning.
Cons
- 3% foreign transaction fee.
- There are no bonus earning categories.
- 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 purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- 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.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% 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 for BofA business owners who travel often
at Bank of America's secure site
| 1.5X | Earn unlimited 1.5 points for every $1 spent on purchases. |
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card earns unlimited 1.5 points per dollar on all purchases and has no annual fee. It’s a simple way for small-business owners to rack up rewards, especially if they qualify for the Preferred Rewards for Business program, which boosts earning rates up to 2.62 points per dollar spent on all purchases.
Pros
- Flat 1.5 points per dollar back on all purchases.
- No annual fee.
- Even more return for Bank of America customers.
Cons
- Outclassed by other no-annual fee business cards.
- Limited value if you're not a Bank of America customer.
- 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, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- 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 16.99% to 26.99% 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 for A premium card with flexible perks for frequent Oneworld flyers
at Bank of America's secure site
| 3 points | Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases. |
| 1 point | Earn unlimited 1 point per $1 spent on all other purchases. |
The Atmos™ Rewards Summit Visa Infinite® Credit Card features a great welcome bonus and valuable travel perks, making it a premium contender among similar cobranded airline cards in its class.
Pros
- 8 Alaska lounge passes annually (2 passes per quarter)
- Fast track to elite status thanks to 10,000 status points annually plus earning 1 status point for every two dollar spent on purchases
- Up to $120 TSA PreCheck/Global Entry credit every four years
- No foreign transaction fees
Cons
- $395 annual fee
- Limited time online offer – 80,000 bonus points!
- Earn 80,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
- Each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points.
- Additionally, receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases each anniversary year.
- Receive 8 Alaska Lounge passes every calendar year (2 per quarter) – a $520 value.
- Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
- Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
- Receive an airport security credit up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
- Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+.
- Plus, no foreign transaction fees and a competitive $395 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.
at Bank of America's secure site
| 3 points | Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. |
| 2 points | Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. |
| 1 point | Earn 1 point per $1 spent on all other purchases. |
The Atmos™ Rewards Visa Signature® Business Card is built for small business owners who frequently fly Alaska or Hawaiian Airlines. The card offers a compelling welcome bonus, ongoing Companion Fare opportunities and valuable airline perks like free checked bags, preferred boarding and inflight discounts. With bonus rewards in categories like gas, transit and shipping (plus an annual 10% rewards boost for qualifying Bank of America® business account holders), this card is a strong value pick for businesses with travel needs.
Pros
- Ability to earn annual Companion Fare after $6,000 in yearly spend within the prior anniversary year
- Free checked bag for any cardholder and up to 6 guests on the same reservation
- Preferred boarding on Alaska Airlines and Hawaiian Airlines flights
- $100 off an annual Alaska Lounge+ Membership purchased with your card
- 10% rewards bonus for eligible Bank of America® business account holders
Cons
- Companion Fare requires significant annual spend
- Airline perks mainly benefit Alaska Airlines flyers
- No ability to transfer points
- Get 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
- Earn another Companion Fare ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
- Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card – that’s a savings of $70 per person roundtrip!
- Preferred boarding for any cardholder when you pay for your Alaska Airlines or Hawaiian Airlines flight with an Atmos™ Rewards Business Card.
- Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
- Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business account.
- Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos™ Rewards Business Card.
- Get $100 off an annual Alaska Lounge+ Membership purchased with your Atmos™ Rewards Business Card.
- Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
- 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 for flyers who regularly fly SkyTeam Alliance
Air France KLM World Elite Mastercard®
Information updated as of 11/03/2025
| 3X | Earn 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases |
| 1.5X | Earn 1.5 Miles per $1 spent on all other purchases |
Pros
- Miles can be redeemed with any SkyTeam Alliance airline
- Welcome bonus
- Anniversary bonus each year when you meet minimum spend of $50
- No foreign transaction fee
Cons
- Annual fee
- No airline-specific perks like free bags
The Air France KLM World Elite Mastercard®* is a cobranded airline card that offers a solid welcome bonus and elevated earning rates that can be redeemed with SkyTeam Alliance partners. This card has a sub-$100 annual fee and does not charge foreign transaction fees making it a good contender for Air France loyalists who travel abroad frequently and want to keep annual fee costs low.
Best for simple redemption
Bank of America® Premium Rewards® Elite credit card
Information updated as of 11/03/2025
| 2X | Earn unlimited 2 points for every $1 spent on travel and dining purchases |
| 1.5X | Earn unlimited 1.5 points for every $1 spent on all other purchases |
Pros
- Welcome bonus
- Elevated earning for Bank of America Preferred Rewards® members
- Annual statement credits
Cons
- High annual fee
- No transfer partners
The Bank of America® Premium Rewards® Elite credit card* is a premium credit card that comes with a sleuth of benefits. Its hefty $550 price tag comes with free lounge access, generous welcome bonus, annual statement credits and elevated rewards earned for Bank of America Preferred Rewards® members. While this perk-filled card acts as a direct competitor to other premium travel cards, it lacks one important benefit: transferable points and transfer partners.
Comparing the best Bank of America credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
at Bank of America's secure site | travel rewards | 60,000 points Open Intro 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. | 1.5 - 2X points Open Rewards rates
| $95 | ||||||||
at Bank of America's secure site | frequent Alaska and Hawaiian flyers | Limited time online offer – 60,000 bonus points + a 30% global flight discount code Open Intro bonus Receive a 30% global flight discount code for a qualifying future flight after opening your new account. Additionally, earn 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 or more on purchases within the first 90 days of opening your account. | 1 - 3X points Open Rewards rates
| $95 | ||||||||
at Bank of America's secure site | flexible earning structure | $200 Open Intro bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. | 1 - 6% cash-back Open Rewards rates
| $0 | ||||||||
at Bank of America's secure site | travel rewards beginners | 25,000 points Open Intro bonus 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. | 1.5 - 3X points Open Rewards rates
| $0 | ||||||||
at Bank of America's secure site | flat-rate earning structure | $200 Open Intro bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. | 1.5 - 2% cash-back Open Rewards rates
| $0 | ||||||||
Apply now Apply for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit cardat Bank of America's secure site | customizing your highest spend category | $300 Open Intro bonus Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1 - 3% cash-back Open Rewards rates
| $0 | ||||||||
Apply now Apply for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit cardat Bank of America's secure site | BofA business owners who want customizable rewards | $300 Open Intro bonus Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1.5% cash-back Open Rewards rates
| $0 | ||||||||
Apply now Apply for Bank of America® Business Advantage Travel Rewards World Mastercard® credit cardat Bank of America's secure site | BofA business owners who travel often | 30,000 points Open Intro bonus 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. | 1.5X points Open Rewards rates
| $0 | ||||||||
at Bank of America's secure site | A premium card with flexible perks for frequent Oneworld flyers | Limited time online offer – 80,000 bonus points + a 25,000-point Global Companion Award Open Intro bonus Earn 80,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account. | 1 - 3X points Open Rewards rates
| $395 | ||||||||
at Bank of America's secure site | Alaska loyalists | Get 60,000 bonus points and a $99 Companion Fare Open Intro bonus Get 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account. | 1 - 3X points Open Rewards rates
| $70 for the company and $25 per card | ||||||||
Air France KLM World Elite Mastercard® * *The information about the Air France KLM World Elite Mastercard® has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Information updated as of 11/03/2025 | flyers who regularly fly SkyTeam Alliance | 50,000 Bonus Miles Open Intro bonus Online Offer: Earn 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening | 1.5 - 3X miles Open Rewards rates
| $89 | ||||||||
Bank of America® Premium Rewards® Elite credit card * *The information about the Bank of America® Premium Rewards® Elite credit card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Information updated as of 11/03/2025 | simple redemption | 75,000 bonus points Open Intro bonus Earn 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening | 1.5 - 2X points Open Rewards rates
| $550 |
More details on the best Bank of America credit cards
This low annual fee Bank of America card packs a punch with many travel related perks such as an up-to-$100 annual airline incidental statement credit and an up-to-$100 credit that can be applied toward the Global Entry or TSA PreCheck enrollment fee every four years.
The Premium Rewards card is a great card for travelers. In addition to its airline incidental statement credit and Global Entry/TSA PreCheck credit, the card also comes with travel insurance protections, including trip delay/cancellation/interruption insurance, baggage delay/loss insurance, emergency evacuation and transportation insurance, and rental car insurance — perks that normally come with more premium cards.
To get the best value out of your card, you can boost your return by as much as 75% through Bank of America’s Preferred Rewards® program. To participate, you’ll need an eligible Bank of America checking account and an average daily balance of at least $20,000 in qualifying deposit or investment accounts. The largest bonus is available to customers with a balance of $100,000 or more — at that level, you’ll earn 3.5 points per dollar on dining and travel, and an impressive 2.62 points per dollar on non-bonus spending.
If you love the Premium Rewards card’s simple earning structure but don’t want to pay an annual fee, consider the Bank of America® Travel Rewards credit card instead. It features less benefits and perks but still offers a sizable welcome bonus and earns an impressive 3 points per dollar on travel purchases booked through the Bank of America Travel Center and 1.5 points on all purchases.
The Atmos™ Rewards Ascent Visa Signature® Credit Card features a healthy welcome bonus and decent earning rates for those who frequently fly with both Alaska and Hawaiian. We especially like that this card earns solid reward rates in popular bonus categories and earns at least 1 point for every dollar you spend.
This card is ideal for Alaska and Hawaiian Airlines flyers. However, even if you don’t fly with these airlines all the time, holding the Atmos Rewards Ascent card may still offer outsize value thanks to perks like a free checked bag on flights with these two airlines.
If you find yourself on international flights with Alaska and Hawaiian, you’ll enjoy elevated reward rates on every dollar you spend with these airlines, as well as no foreign transaction fees wherever your travels take you.
If you want a more general travel card with a similar annual fee that earns transferable points, consider the Chase Sapphire Preferred® Card. This card also comes with a $95 annual fee, doesn’t charge foreign transaction fees and earns valuable Chase Ultimate Rewards points.
The Bank of America® Customized Cash Rewards credit card is one of the only credit cards that allows you to essentially customize your rewards structure to fit your changing spending habits throughout the year — with the chance to change categories every month.
People who continue to shift their spending habits would benefit from the card’s flexible reward structure.
The Customized Cash Rewards card offers solid cash-back and a flexible rewards structure so that you can get the most out of your spending every month.
If you want to stick with Bank of America but are looking for a card with a few more benefits and a higher welcome bonus, consider the Bank of America® Premium Rewards® credit card. It offers more bonus categories, up to $100 in annual airline incidental statement credits and an up to $100 Global Entry/TSA statement credit. The card also comes with a $95 annual fee.
Although this certainly isn’t the most lucrative or flexible rewards card, the Bank of America travel rewards still offers solid earning rates of 3 points per dollar on travel purchases booked through the Bank of America Travel Center and 1.5 points per dollar on all other purchases. These rewards can then be used as a statement credit to erase eligible travel purchases.
It is a perfect card for low-budget beginner travelers who want a card with no annual fee and a simple way to earn and redeem points.
The Travel card is a great introduction to the travel credit card world. It allows new travelers to earn points on all their purchases and use these points to erase travel purchases.
If you are looking for a card with a similar flat earning rate, consider the Bank of America® Premium Rewards® credit card. It does come with a $95 annual fee and earns an elevated 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases. The card also features a higher sign-up bonus, up to $100 in annual statement credits for airline incidental fees and an up to $100 TSA PreCheck/Global Entry statement credit. But the best perk of the Premium Rewards card is the ability to redeem points as statement credits or sent directly to your bank account while the Travel Rewards only allows redemption on travel and dining statement credit.
The Unlimited Cash Rewards card features a solid welcome bonus, and no annual fee and other typical Bank of America benefits like extended warranty. It is a great way to be introduced to credit cards, earn unlimited cash back and not have to worry about bonus categories.
If you are looking for a solid cash-back credit card that features simple reward earnings, the Unlimited Cash Rewards is a great option.
If you are a Preferred Rewards member, the Unlimited Cash Rewards can provide even more value. Bank of America features a bonus rate for its members and Platinum members have the highest bonus rate at 75%. That means the Unlimited Cash Rewards credit card would earn unlimited 2.625% cash back on all purchases.
If it doesn’t have to be a Bank of America credit card but you love the no annual fee and flat rate cash back aspect of the card, consider the Chase Freedom Unlimited®. In addition to its 1.5% cash back, the card also features multiple bonus categories that are as high as 5% cash back. And if you have a Chase Ultimate Rewards credit card, you can transfer your cash back to points for maximum value.
The ability to customize your 3% category (such as gas, office supply stores, travel or technology) makes this card highly adaptable for different business needs. The $300 statement credit after $3,000 in purchases within the first 90 days adds upfront value — all without an annual fee.
Business owners who want to maximize rewards in a particular spending category and who already have an account with Bank of America will get the most out of this card, especially if they qualify for Preferred Rewards for Business bonus rates.
If you value flexibility and want to earn competitive rewards without paying an annual fee, this card delivers. For Preferred Rewards for Business members, the elevated earning rates make it one of the most rewarding no-fee business cards available.
If your business spending is spread across multiple categories, consider a flat-rate rewards card like the Capital One Spark Cash Plus. For frequent travel and premium perks, the Ink Business Unlimited® Credit Card offers unlimited 1.5% cash back on every purchase with no annual fee.
This card's straightforward earning structure, with no categories to track, makes it ideal for busy business owners. The welcome bonus adds upfront value, and the potential Preferred Rewards boost gives it standout long-term appeal.
Business owners who want simple, flat-rate rewards — especially those with Bank of America business accounts who qualify for Preferred Rewards.
With no annual fee and the chance to unlock one of the market’s highest flat-rate returns, this card is a cost-effective way to earn on everyday business expenses.
The Ink Business Unlimited® Credit Card from Chase also earns unlimited 1.5% cash back and has no annual fee. For higher flat-rate rewards and no foreign transaction fees, consider the Capital One Spark Cash Plus, which offers 2% cash back for a $150 annual fee (refundable with $150,000+ spend per year).
This card's flat earning rate makes it easy to use without the need for tracking categories.
Business owners who bank with BofA and qualify for Preferred Rewards for Business will get the best value.
With no annual fee, this is a low-risk card that becomes highly rewarding when paired with BofA banking benefits.
If your business spending is spread across multiple categories, consider a flat-rate rewards card like the Capital One Spark Cash Plus.
The Atmos Rewards Summit card is a great travel companion thanks to perks like an up to $120 TSA PreCheck/Global Entry credit every four years and no foreign transaction fees wherever your travels take you.
The Atmos Rewards Summit card was made for frequent Alaska and Hawaiian flyers who are willing to pay for a premium product that helps them build and maintain a stash of points for future travels.
If you’re a frequent jetsetter who’s loyal to Alaska or Hawaiian airlines, the Atmos Rewards Summit card is likely a great addition to your wallet. You’ll get 8 Alaska lounge passes annually (two per calendar quarter) so you and a companion can relax before your flights. Cardholders will also enjoy a faster path to status as this card earns 1 status point for every two dollars spent, plus 10,000 status points every account anniversary.
If you’re an Alaska or Hawaiian loyalist but don’t want to pay a big annual fee, consider the Atmos™ Rewards Ascent Visa Signature® Credit Card. It offers some of the same perks but comes with a more affordable $95 annual fee.
The Atmos Rewards Visa Signature Business Card offers solid value for Alaska and Hawaiian Airlines flyers. It offers the opportunity to earn a Companion Fare annually, triple points on eligible airline purchases and a suite of travel perks that can easily outweigh the modest annual fee.
Small business owners who regularly book flights on Alaska or Hawaiian Airlines.
Between the Companion Fare, free checked bags, preferred boarding and triple points on select airline purchases, the card delivers excellent value for small businesses that fly Alaska or Hawaiian Airlines more than a few times per year.
The Ink Business Preferred® Credit Card is a worthy alternative with flexible rewards and travel protections, while the American Express® Business Gold Card offers customizable bonus categories and Membership Rewards points that transfer to 20 travel partners.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
We love the card’s redemption flexibility and solid welcome bonus.
*The information for the Air France KLM World Elite Mastercard® has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
This card is a great option for people who regularly fly with Air France and airlines within the SkyTeam Alliance network.
If you’re a regular Air France flyer and don’t want to pay a sky-high annual fee, this cobranded card is a great choice.
If you’re an avid flyer of Delta, which is part of the SkyTeam Alliance, but rarely fly other airlines within the network, consider the Delta SkyMiles® Platinum American Express Card. It earns elevated Delta SkyMiles on everyday spending and offers an annual companion certificate on top of several additional airline-specific perks.
We love the Premium Rewards Elite card* many perks such as free lounge access, generous welcome bonus and annual statement credits. Additionally, Bank of America Preferred Rewards® members earn a 25-75% rewards bonus on every purchase.
*The information for the Bank of America® Premium Rewards® Elite Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
This card is best for Bank of America Preferred Rewards® members who will earn a 25-75% rewards bonus on every purchase and can get more out of the card.
If you love premium benefits but do not care about transferable points and the complication of transfer partners, the Bank of America® Premium Rewards® Elite Credit Card* is a solid pick for your wallet.
If you love the Bank of America® Premium Rewards® Elite Credit Card’s* perks but want the flexibility of transfer partners, consider the Chase Sapphire Reserve®. It comes with a $300 annual travel credit which helps alleviate some of its hefty $795 annual fee. Plus, it earns valuable Chase Ultimate Rewards points which can be redeemed with any of Chase’s transfer partners.
at Bank of America's secure site
How we rate
How to choose the best Bank of America credit card
- Go with a Bank of America card that features a solid sign-up bonus with a reward you can use for future travel plans or to pay down a balance if you opt to earn cash back. Choose an option that has an achievable spend threshold and that you’ll earn the currency most valuable to you.1Sign-up bonus
- The Bank of America credit cards on our list feature a variety of annual fee thresholds, including many with no annual fee, to fit your unique budget as well as your desire for premium perks.2Annual fee
- Many of the Bank of America credit cards we've listed feature enhanced earnings in various popular bonus categories to fit your spending habits and make the most of every dollar.3Bonus categories
Pros + cons of Bank of America credit cards
Pros
- Using Bank of America credit cards responsibly can help you build your credit score
- Bank of America credit cards can earn cash back or various currencies on every dollar you spend
- Some Bank of America credit cards offer valuable travel and purchase protections
- Bank of America credit cards can hold more value if you are in the Preferred Rewards program
Cons
- Credit cards can encourage overspending
- Carrying a balance and using your Bank of America credit card irresponsibly can damage your credit score
- Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One
- It may be challenging to get full value from Bank of America credit cards if you don't have a Preferred Rewards membership
Frequently asked questions
To apply for any of the Bank of America credit cards on this list, select the “Apply Now” button below each Bank of America card.
The best way to activate your Bank of America card is online with your banking ID and passcode. You can begin your activation process for your Bank of America credit card here.
There is no best Bank of America credit card. Bank of America offers some solid options, but the best card is one that fits your spending habits and financial goals.
If you regularly pay off your balance and have your account in good standing, Bank of America will increase your credit card limit naturally. But if you want to request a credit line increase online, you can begin by signing into your account. You will have to select your credit card account and then select “Request a credit line increase,” which is below Card Details in the Account Summary.
Bank of America credit cards can be a solid option for any wallet. But if you are a Preferred Rewards member, you will be able to maximize the value of your Bank of America credit card.