Best Bank of America Credit Cards

Here are the best Bank of America credit card offers:

Bank of America Rewards Credit Cards

Bank of America® Premium Rewards®

Experience Premium Rewards on Every Journey with the Bank of America Premium Rewards Credit Card

2X points on travel and dining; 1.5X points on all other purchases
60,000 bonus points after $4,000 in purchases within 90 days (worth $600)
$95 annual fee—easily offset by your bonus and credits
No foreign transaction fees, so you can spend abroad without worry
Up to $100 airline incidental credit annually for baggage fees, upgrades or lounge access
Global Entry/TSA PreCheck credit up to $100 every four years
25%–75% more points when you enroll in Preferred Rewards^®

Ideal for frequent flyers and foodies alike, this card delivers powerful travel protections—trip delay, cancellation, baggage insurance—and access to Visa Signature Luxury Hotel Collection perks like upgrades and daily breakfast. Your points never expire and are worth at least 1¢ each toward travel, cash back or gift cards. Elevate your adventures with premium perks at a smart price.

Terms apply. See issuer for complete details.

Bank of America® Travel Rewards

Unlock Effortless Travel Rewards with the Bank of America Travel Rewards Credit Card

3 points per $1 on travel booked through the Bank of America Travel Center; 1.5 points per $1 on all other purchases
25,000 bonus points after $1,000 in purchases within 90 days (worth a $250 travel statement credit)
No annual fee and no foreign transaction fees
Redeem starting at 2,500 points for statement credits on flights, hotels, car rentals, restaurants and more
Points never expire as long as your account remains open
Earn 25%–75% more points with Preferred Rewards^® membership

This card makes earning and using travel rewards simple: book any trip through the Travel Center to maximize your points, then redeem directly as a credit on your statement. Manage everything in one intuitive app or online portal, and enjoy the peace of mind of no annual or foreign transaction fees.

Terms apply. Bonus points awarded after meeting spend requirement. Enrollment in Preferred Rewards^® required for bonus boost. See full terms for details.

Bank of America Cash Back Credit Cards

Bank of America® Customized Cash Rewards

Maximize Your Cash Back with the Bank of America Customized Cash Rewards Credit Card

6% cash back in a category you choose and 2% cash back at grocery stores and wholesale clubs during the first year (up to $2,500 per quarter); 3%/2% thereafter
1% unlimited cash back on all other purchases
$200 online bonus after $1,000 in purchases within 90 days of account opening
0% intro APR on purchases and balance transfers for 15 billing cycles
Up to 75% more cash back through Preferred Rewards^®
No annual fee

Switch your bonus category each month—choose from gas & EV charging, online shopping, dining, travel, drugstores or home improvement—and enjoy simple, no-minimum redemptions as statement credits. With contactless chip-and-tap security and Bank of America’s intuitive mobile app, this card is ideal for anyone who wants flexible rewards and powerful digital tools.

Terms apply. Bonus categories capped at $2,500 per quarter before reverting to 1%. 3% foreign transaction fee and balance transfer fees apply. See full terms for details.

Bank of America® Unlimited Cash Rewards

Unlock Simple, Unlimited Rewards with the Bank of America Unlimited Cash Rewards Credit Card

1.5% unlimited cash back on every purchase; enjoy 2% back during your first year
Up to 2.625% back when you join Preferred Rewards^® and reach top tiers
$200 cash rewards bonus after spending $1,000 in the first 90 days
0% intro APR on purchases and balance transfers for 15 billing cycles; competitive rates thereafter
Flexible redemptions as statement credits or deposits into Bank of America^® and Merrill^® accounts
Visa Signature benefits including extended warranty and travel & emergency assistance
No annual fee

Whether you’re covering everyday expenses or larger investments, this card delivers straightforward rewards and powerful digital tools. With contactless payments, real‑time fraud monitoring and seamless integration with your banking, you’ll enjoy a smarter way to earn. Take advantage of elevated rates in your first year and even more when you climb the Preferred Rewards^® tiers—ideal for busy spenders who value simplicity and maximum return.

Terms apply. Enrollment in Preferred Rewards^® required for elevated rates. 0% APR offer applies to purchases and balance transfers made within the first 60 days. Balance transfer and foreign transaction fees may apply. See full terms for details.

Bank of America Co-Branded Credit Cards

Alaska Airlines Visa®

Elevate Your Alaska MileagePlan^® Rewards with the Alaska Airlines Visa^® Credit Card

40,000 bonus miles after $3,000 in purchases within the first 90 days
3X miles per $1 on Alaska Airlines purchases
2X miles per $1 on dining and eligible delivery
2X miles per $1 on eligible gas station and EV charging purchases
1X mile per $1 on all other purchases
Annual Companion Fare starting at $121 ($99 fare + taxes and fees) after $6,000 in annual spend
Free first checked bag for you and up to six companions on the same reservation
No foreign transaction fees
$75 annual fee

Whether you’re exploring Alaska’s wild frontiers or jetting coast‑to‑coast, this card accelerates your MileagePlan^® earnings where it counts and delivers valuable travel perks. Enjoy generous bonus miles to kickstart your balance, plus flexible redemptions on award flights and upgrades. With a companion fare each year and free checked bags, you’ll save on fees every time you travel. Manage your account and track your miles seamlessly in the Bank of America mobile app or online.

Terms apply. Companion Fare requires $6,000 annual spend and purchase of a round‑trip paid ticket. Free bag applies only on Alaska‑operated flights. See issuer for complete details.

Air France KLM World Elite Mastercard®

Accelerate Your Flying Blue Rewards with the Air France KLM World Elite Mastercard^®

70,000 bonus miles after $3,000 in purchases within 90 days
60 Experience Points upon approval toward Flying Blue status
3× miles per $1 on Air France, KLM and SkyTeam flights
1.5× miles per $1 on all other purchases
5,000 anniversary bonus miles each year after $50 in spend
$89 annual fee and no foreign transaction fees

Whether you’re jetting to Paris, Amsterdam or beyond, this card helps you grow your Flying Blue balance faster. Take advantage of monthly promo awards to save up to 50% on select routes, climb toward elite status with Experience Points and manage your rewards seamlessly in the Bank of America app. From airfare to in‑flight meals, earn and redeem miles across the SkyTeam network with ease.

Terms apply. Annual fee not waived first year. APR 20.24%–28.24% variable. No free checked bags. See issuer for full details.

Allegiant World Mastercard®

Make Every Allegiant Trip More Rewarding with the Allways Rewards Visa^® Credit Card

25,000 bonus points (worth $250 off future Allegiant travel) after $1,000 in purchases within 90 days
3× points per $1 on Allegiant airfare, vacation packages, hotels and car rentals
2× points per $1 on dining
1× point per $1 on all other purchases
Buy one, get one free companion airfare on vacation packages with 4+ hotel nights or 7+ rental car days
Priority boarding every time you fly Allegiant
One free beverage on every flight when you show your card
$59 annual fee and no foreign transaction fees

Whether you stick to Allegiant’s nonstop routes or travel with companions, this card delivers points and perks that make budget travel feel premium. Earn accelerated rewards on every dollar spent with Allegiant, enjoy effortless companion fares on qualifying packages, and breeze through boarding while sipping a complimentary drink. Redeem points instantly toward flights, hotels or car rentals on Allegiant.com—no blackout dates or minimums required.

Terms apply. See issuer for complete details.

Free Spirit® Travel More World Elite Mastercard®

Take Off with the Free Spirit^® Travel More World Elite Mastercard^®

60,000 bonus points + a $100 Companion Flight Voucher after $1,000 in purchases within 90 days
3× points per $1 on eligible Spirit Airlines purchases
2× points per $1 on dining and grocery store purchases
1× point per $1 on all other purchases
1 SQP (Status Qualifying Point) for every $10 spent toward elite status
$0 intro annual fee for the first year, then $79
No foreign transaction fees
Annual $100 Companion Flight Voucher each anniversary after $5,000 in annual spending
Zone 2 Shortcut Boarding on every flight
25% rebate on in‑flight food and beverages
Points never expire as long as your account remains open

Whether you’re chasing deals or booking last‑minute getaways, this card accelerates your Free Spirit^® earnings on flights, meals and everyday purchases. Earn toward both award travel and elite status with every swipe, then enjoy perks like early boarding, in‑flight rebates and flexible companion vouchers. Manage your points and benefits seamlessly in the Bank of America mobile app or online account portal.

Terms apply. See issuer’s site for full details.

FAQs About Bank of America Credit Cards

How can I apply for a Bank of America credit card?

To apply for a Bank of America credit card, simply choose the card that suits your needs and click “Apply Now” on our site. You’ll be directed to Bank of America’s secure application page to complete the process online.

What’s the easiest way to activate my Bank of America card?

The fastest way to activate your card is online by logging in to your Bank of America account. You can also activate it by phone, but online activation is quick and can be done in just a few clicks using your online banking credentials.

Which Bank of America credit card is the most valuable?

Bank of America offers a range of cards for different needs, from cashback to travel rewards. The most valuable one will depend on your personal spending habits — whether you prioritize grocery rewards, travel perks, or balance transfers.

Can I request a higher credit limit from Bank of America?

Yes, you can request a credit limit increase by logging into your Bank of America account. Under your credit card details, you’ll find an option to request a higher limit. Having a solid payment history and responsible usage will improve your chances of approval.

Is it worth having a Bank of America credit card?

Bank of America credit cards offer great value, especially if you’re a Preferred Rewards client. With bonus rewards, solid cashback categories, and competitive APRs, these cards can be an excellent addition to your wallet.