Credit Cards
14 Best Bank of America Credit Cards of November 2026
By
•
Stephanie Stevens
Stephanie Stevens
Credit cards writer
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Edited by
Daisy Hernandez
Daisy Hernandez
Credit cards editor
Daisy is a credit cards editor at TPG. Her expertise spans earning and redeeming rewards across rotating categories on multiple cards.Prior to this, she wrote news stories, how-to guides and tested and reviewed gear for Popular Mechanics, Sports Illustrated, Bicycling and Runner's World.
Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
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 BofA Rewards™ account to boost your earning rates, so see our picks for the best Bank of America credit cards below.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
- Atmos™ Rewards Ascent Visa Signature® credit card: Best for frequent Alaska and Hawaiian flyers
- Atmos™ Rewards Summit Visa Infinite® credit card: Best for A premium card with flexible perks for frequent Oneworld flyers
- Bank of America® Premium Rewards® credit card: Best for travel rewards
- Bank of America® Customized Cash Rewards credit card: Best for flexible earning structure
- Atmos™ Rewards Visa Signature® Business Card: Best for Alaska loyalists
- Bank of America® Travel Rewards credit card: Best for travel rewards beginners
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for customizing your highest spend category
- Bank of America® Unlimited Cash Rewards credit card: Best for flat-rate earning structure
- Royal ONE Plus™ Visa Signature® credit card: Best for premium cruise rewards and elevated travel perks
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for BofA business owners who travel often
- Royal ONE™ Visa Signature® credit card: Best for cruise rewards with no annual fee
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for BofA business owners who want customizable rewards
- Bank of America® Premium Rewards® Elite Credit Card: Best for simple redemption
Comparing the best Bank of America credit cards
Limited-Time Offer
Best for frequent Alaska and Hawaiian flyers
Apply for Atmos™ Rewards Ascent Visa Signature® credit card
Apply now
for Atmos™ Rewards Ascent Visa Signature® credit cardat Bank of America's secure site
Rewards rate
| 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. |
Intro offer
Open Intro bonus
Get 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. Earn an additional 20,000 bonus points after spending a total of $5,000 or more on purchases within the same 90-day period.
Limited-time online offer – Earn up to 80,000 bonus points + $99 Companion Fare
Annual fee
$95
Regular APR
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
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 – Earn up to 80,000 bonus points.
- Get 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. Earn an additional 20,000 bonus points after spending a total of $5,000 or more on purchases within the same 90-day period.
- 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.
- Save up to $90 per person round-trip with a free checked bag and preferred boarding for you and up to six guests on the same reservation when you pay for your flight 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 offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Limited-Time Offer
Best for A premium card with flexible perks for frequent Oneworld flyers
Apply for Atmos™ Rewards Summit Visa Infinite® credit card
Apply now
for Atmos™ Rewards Summit Visa Infinite® credit cardat Bank of America's secure site
Rewards rate
| 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. |
Intro offer
Open Intro bonus
Get 100,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $6,000 or more on purchases within the first 90 days of opening your account.
Limited-time online offer – 100,000 bonus points
Annual fee
$395
Regular APR
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
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 dollars 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 - 100,000 bonus points.
- Get 100,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $6,000 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 and 8 Wi-Fi passes every year (2 of each per calendar quarter).
- 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.
- Save up to $90 per person round-trip with a free checked bag and preferred boarding for you and up to six guests on the same reservation when you pay for your flight with your card.
- Receive an airport security statement 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 offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Apply for Bank of America® Premium Rewards® credit card
Apply now
for Bank of America® Premium Rewards® credit cardat Bank of America's secure site
Rewards rate
| 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. |
Intro offer
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.
60,000 points
Annual fee
$95
Regular APR
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Bank of America Premium Rewards card allows cardmembers to earn 2 points per dollar on travel and dining expenses, but BofA 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 BofA Rewards™ members, who can get between a 10% 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.
- Turn daily purchases into everyday wins. Simply use your Premium Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
- 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 BofA Travel.
- 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 offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Apply for Bank of America® Customized Cash Rewards credit card
Apply now
for Bank of America® Customized Cash Rewards credit cardat Bank of America's secure site
Rewards rate
| 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. |
Intro offer
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.
$200
Annual fee
$0
Regular APR
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
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
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. 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.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Apply for Atmos™ Rewards Visa Signature® Business Card
Apply now
for Atmos™ Rewards Visa Signature® Business Cardat Bank of America's secure site
Rewards rate
| 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. |
Intro offer
Open Intro bonus
Get 70,000 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.
Limited-time online offer: 70,000 bonus points + a $99 Companion Fare
Annual fee
$70 for the company and $25 per card
Regular APR
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
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
- Limited-time online offer: Get 70,000 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.
Comparing the best Bank of America credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Limited-Time Offer at Bank of America's secure site | frequent Alaska and Hawaiian flyers | Limited-time online offer – Earn up to 80,000 bonus points + $99 Companion Fare Open Intro bonus Get 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. Earn an additional 20,000 bonus points after spending a total of $5,000 or more on purchases within the same 90-day period. | 1 - 3X points Open Rewards rates
| $95 | ||||||||
Limited-Time Offer at Bank of America's secure site | A premium card with flexible perks for frequent Oneworld flyers | Limited-time online offer – 100,000 bonus points Open Intro bonus Get 100,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $6,000 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 | 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 | 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 | ||||||||
Limited-Time Offer at Bank of America's secure site | Alaska loyalists | Limited-time online offer: 70,000 bonus points + a $99 Companion Fare Open Intro bonus Get 70,000 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 |
How we rate
We rated the best Bank of America credit cards based on several factors, including reward earning rates, perks and benefits associated with each card and the overall value each card delivers to you, the consumer. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonusWe included Bank of America credit card options with decent welcome bonuses that come at varying minimum spend thresholds to fit different budgets.
Annual feeOur top picks feature varying annual fees to provide a larger range of benefits for cardholders.
Earning ratesWe chose Bank of America credit cards that feature popular bonus categories to help you maximize your rewards.
Redemption optionsThe best cards provide you with a variety of redemption options, including cash back.
Added benefitsIn addition to earning rates and redemption options, our top picks also offer travel and insurance perks.
How to choose the best Bank of America credit card
The best Bank of America credit card for you depends on your financial goals, which rewards you're looking to earn and how you frequently spend your money. Whether you're seeking to earn cash back, points or miles, choosing a card that earns in your desired currency and gets more back in your top spending categories is the best plan of action.
Here are some of the main points to consider when choosing a 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
Everything you should know about Bank of America's Preferred Rewards program - The Points Guy
Get the most out of your Bank of America credit card by maximizing its value
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 BofA 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 BofA 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 BofA Rewards member, you will be able to maximize the value of your Bank of America credit card.