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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
14 Best Bank of America Credit Cards of November 2026
UpdatedOctober 16, 2026
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Regular APR19.74% - 27.74% Variable APR on purchases and balance transfers
at Bank of America's secure site.
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.
Browse by card categories
Comparing the best Bank of America credit cards
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 bonus
We included Bank of America credit card options with decent welcome bonuses that come at varying minimum spend thresholds to fit different budgets.
Annual fee
Our top picks feature varying annual fees to provide a larger range of benefits for cardholders.
Earning rates
We chose Bank of America credit cards that feature popular bonus categories to help you maximize your rewards.
Redemption options
The best cards provide you with a variety of redemption options, including cash back.
Added benefits
In 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:
1
Sign-up bonus
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.
2
Annual fee
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.
3
Bonus categories
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.
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
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.
How do you increase a Bank of America credit card limit?
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.
Are Bank of America credit cards worth it?
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.
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.
19.74% - 27.74% Variable APR on purchases and balance transfers
Why we chose it
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 + cons
Pros
Free checked bag on Alaska and Hawaiian flights
Priority boarding on Alaska and Hawaiian (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
$95 annual fee
Companion Fare requires annual spending to earn
More details
Limited-time online offer – 50,000 bonus points.
Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 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.
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.
Why we chose it
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.
View more
Pros
Free checked bag on Alaska and Hawaiian flights
Priority boarding on Alaska and Hawaiian (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
$95 annual fee
Companion Fare requires annual spending to earn
Limited-time online offer – 50,000 bonus points.
Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 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.
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.
Why we chose it
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 + cons
Pros
Free checked bag on Alaska and Hawaiian flights
Priority boarding on Alaska and Hawaiian (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
$95 annual fee
Companion Fare requires annual spending to earn
More details
Limited-time online offer – 50,000 bonus points.
Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 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.
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.
Why we chose it
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 and Hawaiian (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
$95 annual fee
Companion Fare requires annual spending to earn
Limited-time online offer – 50,000 bonus points.
Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 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.
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.
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Why we chose it
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 + cons
Pros
Free checked bag on Alaska and Hawaiian flights
Priority boarding on Alaska and Hawaiian (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
$95 annual fee
Companion Fare requires annual spending to earn
More details
Limited-time online offer – 50,000 bonus points.
Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 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.
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.
Limited-Time Offer
Best for A premium card with flexible perks for frequent Oneworld flyers
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 + cons
Pros
8 Alaska lounge passes annually and 8 Wi-Fi passed 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
More details
Limited-time online offer – 70,000 bonus points.
Get 70,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $3,000 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.
Limited-Time Offer
Best for A premium card with flexible perks for frequent Oneworld flyers
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 + cons
Pros
Valuable for Bank of America Preferred Rewards members
Up to $100 in airline incidental statement credits annually
Up to $100 Global Entry/TSA PreCheck statement credit every four years and travel protections
Ability to transfer points earned into a 529 college fund as a credit
Cons
You need to be a BofA Preferred Rewards member to get the absolute best value for points
More details
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.
Best for travel rewards
Bank of America® Premium Rewards® credit card
TPG editor's rating
Best for flexible earning structure
Bank of America® Customized Cash Rewards credit card
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 + cons
Pros
Flexible earning structure
No annual fee
Rewards don’t expire
Cons
Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
3% foreign transaction fee
More details
$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.
Best for flexible earning structure
Bank of America® Customized Cash Rewards credit card
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 + cons
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 flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
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.
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 + cons
Pros
1.5 points per dollar on everyday 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
More details
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 everyday 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 BofA Travel.
Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
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.
Best for travel rewards beginners
Bank of America® Travel Rewards credit card
TPG editor's rating
Best for customizing your highest spend category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
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. Bank of America Preferred Rewards for Business members can also access elevated cash back rates, making this card highly rewarding for existing BofA business customers.
Pros + cons
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.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
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.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
Best for customizing your highest spend category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
TPG editor's rating
Limited-Time Offer
Best for flat-rate earning structure
Bank of America® Unlimited Cash Rewards credit card
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 10 to 75% more cash back on every purchase if you’re a BofA 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 + cons
Pros
Earns an unlimited 1.5% earnings on every single purchase
No annual fee
$250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Cons
Charges a foreign transaction fee
More details
Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
No annual fee.
Turn daily purchases into everyday wins. Simply use your Unlimited 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.
Limited-Time Offer
Best for flat-rate earning structure
Bank of America® Unlimited Cash Rewards credit card
TPG editor's rating
Best for premium cruise rewards and elevated travel perks
The Royal ONE Plus™ Visa Signature® credit card offers elevated rewards on both cruise purchases and everyday spending, earning 4 points per dollar spent on Royal Caribbean Group brands and 2 points per dollar spent across common travel and lifestyle categories. Combined with premium perks like a Global Entry/TSA PreCheck credit and an anniversary bonus, it’s a strong option for frequent cruisers who want to maximize rewards and benefits.
Pros + cons
Pros
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
Anniversary bonus adds ongoing value
No foreign transaction fees
Cons
Has an annual fee
Rewards are primarily tied to the Royal Caribbean Group ecosystem
Less flexible than general travel rewards cards
More details
60,000 bonus points after spending $2,500 on purchases within the first 90 days of account opening, redeemable for $600 in onboard credit or cruise discounts.
Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $200 cruise discount after spending $20,000 on purchases within the prior anniversary year.
Embark with priority suite boarding and priority luggage.
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Best for premium cruise rewards and elevated travel perks
Royal ONE Plus™ Visa Signature® credit card
TPG editor's rating
Best for BofA business owners who travel often
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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 + cons
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 BofA customer.
More details
50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, 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 our highest Preferred Rewards for Business 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.
Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 26.99% will apply.
Best for BofA business owners who travel often
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
The Royal ONE™ Visa Signature® credit card offers solid rewards for both cruise vacations and everyday spending, earning 3 points per dollar spent on Royal Caribbean Group purchases, 2 points per dollar spent on common expenses like groceries, gas and EV charging, and 1 point per dollar spent on all other eligible purchases. With no annual fee and flexible redemption options across multiple cruise brands, it’s a strong choice for travelers who want to earn rewards without an annual fee.
Pros + cons
Pros
No annual fee
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
No foreign transaction fees
Cons
Rewards are primarily tied to Royal Caribbean Group brands
Limited value for non-cruise travelers
More details
30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening, redeemable for $300 in onboard credit or cruise discounts.
Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $100 cruise discount after spending $10,000 on purchases within the prior anniversary year.
Enjoy priority boarding through the Royal ONE Rewards℠ designated access line on boarding day (where available).
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Best for cruise rewards with no annual fee
Royal ONE™ Visa Signature® credit card
TPG editor's rating
Best for BofA business owners who want customizable rewards
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
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 + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
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.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
Best for BofA business owners who want customizable rewards
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
TPG editor's rating
Best for simple redemption
Bank of America® Premium Rewards® Elite Credit Card
TPG editor's rating3.5
TPG editor's rating
Why we chose it
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.
Pros + cons
Pros
Welcome bonus
Elevated earning for Bank of America Preferred Rewards® members
Annual statement credits
Cons
High annual fee
No transfer partners
More details
Earn 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening
Earn unlimited 2 points for every $1 spent on travel and dining purchases
Earn unlimited 1.5 points for every $1 spent on all other purchases
Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase. That means you could earn up to 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
You choose how you want to be rewarded. Redeem your points for travel, cash back, a statement credit, distinctive experiences or gift cards.
Travel: Get 20% savings on airfare paid for with points through the Bank of America Travel Center or the Concierge. Or use points to book car rental and hotel accommodations.
Cash back: Redeem your points for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts or as a statement credit to your credit card.
Best for simple redemption
Bank of America® Premium Rewards® Elite Credit Card
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
75,000 bonus points
Annual fee
$550
Regular APR
See Terms
Recommended credit
740-850
Excellent
Concierge: Redeem points for travel, experiences, event tickets and more through our full-service Concierge.
Gift Cards: Choose brand-name gift cards from top retailers and restaurants.
Why we chose it
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.
View more
Pros
Welcome bonus
Elevated earning for Bank of America Preferred Rewards® members
Annual statement credits
Cons
High annual fee
No transfer partners
Earn 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening
Earn unlimited 2 points for every $1 spent on travel and dining purchases
Earn unlimited 1.5 points for every $1 spent on all other purchases
Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase. That means you could earn up to 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
You choose how you want to be rewarded. Redeem your points for travel, cash back, a statement credit, distinctive experiences or gift cards.
Travel: Get 20% savings on airfare paid for with points through the Bank of America Travel Center or the Concierge. Or use points to book car rental and hotel accommodations.
Cash back: Redeem your points for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts or as a statement credit to your credit card.
Concierge: Redeem points for travel, experiences, event tickets and more through our full-service Concierge.
Gift Cards: Choose brand-name gift cards from top retailers and restaurants.
Why we chose it
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.
Pros + cons
Pros
Welcome bonus
Elevated earning for Bank of America Preferred Rewards® members
Annual statement credits
Cons
High annual fee
No transfer partners
More details
Earn 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening
Earn unlimited 2 points for every $1 spent on travel and dining purchases
Earn unlimited 1.5 points for every $1 spent on all other purchases
Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase. That means you could earn up to 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
You choose how you want to be rewarded. Redeem your points for travel, cash back, a statement credit, distinctive experiences or gift cards.
Travel: Get 20% savings on airfare paid for with points through the Bank of America Travel Center or the Concierge. Or use points to book car rental and hotel accommodations.
Cash back: Redeem your points for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts or as a statement credit to your credit card.
Concierge: Redeem points for travel, experiences, event tickets and more through our full-service Concierge.
Gift Cards: Choose brand-name gift cards from top retailers and restaurants.
Why we chose it
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.
Pros
Welcome bonus
Elevated earning for Bank of America Preferred Rewards® members
Annual statement credits
Cons
High annual fee
No transfer partners
Earn 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening
Earn unlimited 2 points for every $1 spent on travel and dining purchases
Earn unlimited 1.5 points for every $1 spent on all other purchases
Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase. That means you could earn up to 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
You choose how you want to be rewarded. Redeem your points for travel, cash back, a statement credit, distinctive experiences or gift cards.
Travel: Get 20% savings on airfare paid for with points through the Bank of America Travel Center or the Concierge. Or use points to book car rental and hotel accommodations.
Cash back: Redeem your points for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts or as a statement credit to your credit card.
Concierge: Redeem points for travel, experiences, event tickets and more through our full-service Concierge.
Gift Cards: Choose brand-name gift cards from top retailers and restaurants.
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.
Pros + cons
Pros
Welcome bonus
Elevated earning for Bank of America Preferred Rewards® members
Annual statement credits
Cons
High annual fee
No transfer partners
More details
Earn 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening
Earn unlimited 2 points for every $1 spent on travel and dining purchases
Earn unlimited 1.5 points for every $1 spent on all other purchases
Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase. That means you could earn up to 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
You choose how you want to be rewarded. Redeem your points for travel, cash back, a statement credit, distinctive experiences or gift cards.
Travel: Get 20% savings on airfare paid for with points through the Bank of America Travel Center or the Concierge. Or use points to book car rental and hotel accommodations.
Cash back: Redeem your points for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts or as a statement credit to your credit card.
Concierge: Redeem points for travel, experiences, event tickets and more through our full-service Concierge.
Gift Cards: Choose brand-name gift cards from top retailers and restaurants.
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.
4
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
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
Limited-time online offer – 70,000 bonus points
Annual fee
$395
Regular APR
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
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.
Why we chose it
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.
View more
Pros
8 Alaska lounge passes annually and 8 Wi-Fi passed 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 – 70,000 bonus points.
Get 70,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $3,000 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.
Why we chose it
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 + cons
Pros
8 Alaska lounge passes annually and 8 Wi-Fi passed 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
More details
Limited-time online offer – 70,000 bonus points.
Get 70,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $3,000 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.
Why we chose it
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 and 8 Wi-Fi passed 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 – 70,000 bonus points.
Get 70,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $3,000 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.
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Why we chose it
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 + cons
Pros
8 Alaska lounge passes annually and 8 Wi-Fi passed 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
More details
Limited-time online offer – 70,000 bonus points.
Get 70,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $3,000 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.
3.5
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
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
60,000 points
Annual fee
$95
Regular APR
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
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.
Why we chose it
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.
View more
Pros
Valuable for Bank of America Preferred Rewards members
Up to $100 in airline incidental statement credits annually
Up to $100 Global Entry/TSA PreCheck statement credit every four years and travel protections
Ability to transfer points earned into a 529 college fund as a credit
Cons
You need to be a BofA Preferred Rewards member to get the absolute 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.
Why we chose it
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 + cons
Pros
Valuable for Bank of America Preferred Rewards members
Up to $100 in airline incidental statement credits annually
Up to $100 Global Entry/TSA PreCheck statement credit every four years and travel protections
Ability to transfer points earned into a 529 college fund as a credit
Cons
You need to be a BofA Preferred Rewards member to get the absolute best value for points
More details
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.
Why we chose it
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
Valuable for Bank of America Preferred Rewards members
Up to $100 in airline incidental statement credits annually
Up to $100 Global Entry/TSA PreCheck statement credit every four years and travel protections
Ability to transfer points earned into a 529 college fund as a credit
Cons
You need to be a BofA Preferred Rewards member to get the absolute 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.
19.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Why we chose it
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 + cons
Pros
Valuable for Bank of America Preferred Rewards members
Up to $100 in airline incidental statement credits annually
Up to $100 Global Entry/TSA PreCheck statement credit every four years and travel protections
Ability to transfer points earned into a 529 college fund as a credit
Cons
You need to be a BofA Preferred Rewards member to get the absolute best value for points
More details
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.
3.5
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
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
$200
Annual fee
$0
Regular APR
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
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.
Why we chose it
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.
View more
Pros
Flexible earning structure
No annual fee
Rewards don’t expire
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.
Why we chose it
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 + cons
Pros
Flexible earning structure
No annual fee
Rewards don’t expire
Cons
Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
3% foreign transaction fee
More details
$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.
Why we chose it
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
Rewards don’t expire
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.
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Why we chose it
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 + cons
Pros
Flexible earning structure
No annual fee
Rewards don’t expire
Cons
Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
3% foreign transaction fee
More details
$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.
4
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
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
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
740-850
Excellent
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.
Why we chose it
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.
View more
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 flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
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.
Why we chose it
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 + cons
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 flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
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.
Why we chose it
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 flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
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.
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
740-850
Excellent
Why we chose it
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 + cons
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 flights
$100 off an annual Alaska Lounge+ Membership purchased with your card
10% rewards bonus for eligible Bank of America® business account holders
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.
3
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
3X
Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
1.5X
Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
Intro offer
25,000 points
Annual fee
$0
Regular APR
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
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.
Why we chose it
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.
View more
Pros
1.5 points per dollar on everyday 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 everyday 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 BofA Travel.
Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
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 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.
Why we chose it
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 + cons
Pros
1.5 points per dollar on everyday 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
More details
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 everyday 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 BofA Travel.
Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
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 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.
Why we chose it
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 everyday 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 everyday 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 BofA Travel.
Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
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 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.
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Why we chose it
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 + cons
Pros
1.5 points per dollar on everyday 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
More details
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 everyday 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 BofA Travel.
Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
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 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.
3.5
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
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.
Intro offer
Get a $500 online cash rewards bonus
Annual fee
$0
Regular APR
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
Excellent Credit
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
Why we chose it
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. Bank of America Preferred Rewards for Business members can also access elevated cash back rates, making this card highly rewarding for existing BofA business customers.
View more
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.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
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.
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
Why we chose it
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. Bank of America Preferred Rewards for Business members can also access elevated cash back rates, making this card highly rewarding for existing BofA business customers.
Pros + cons
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.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
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.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
Why we chose it
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. Bank of America 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.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
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.
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
Excellent Credit
Why we chose it
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. Bank of America Preferred Rewards for Business members can also access elevated cash back rates, making this card highly rewarding for existing BofA business customers.
Pros + cons
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.
$500 online cash rewards bonus when cardholders make at least $5,000 in net purchases within 90 days of account opening.
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.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible 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.
Easily view a snapshot of your prior spending in each 3% category so you can choose the right one for you.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
3.5
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
1.5%
Earn unlimited 1.5% cash back on all purchases.
Intro offer
Limited Time Offer! $250
Annual fee
$0
Regular APR
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good Credit
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Why we chose it
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 10 to 75% more cash back on every purchase if you’re a BofA 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.
View more
Pros
Earns an unlimited 1.5% earnings on every single purchase
No annual fee
$250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Cons
Charges a foreign transaction fee
Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
No annual fee.
Turn daily purchases into everyday wins. Simply use your Unlimited 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.
Why we chose it
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 10 to 75% more cash back on every purchase if you’re a BofA 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 + cons
Pros
Earns an unlimited 1.5% earnings on every single purchase
No annual fee
$250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Cons
Charges a foreign transaction fee
More details
Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
No annual fee.
Turn daily purchases into everyday wins. Simply use your Unlimited 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.
Why we chose it
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 10 to 75% more cash back on every purchase if you’re a BofA 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
Earns an unlimited 1.5% earnings on every single purchase
No annual fee
$250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Cons
Charges a foreign transaction fee
Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
No annual fee.
Turn daily purchases into everyday wins. Simply use your Unlimited 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.
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good Credit
Why we chose it
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 10 to 75% more cash back on every purchase if you’re a BofA 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 + cons
Pros
Earns an unlimited 1.5% earnings on every single purchase
No annual fee
$250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Cons
Charges a foreign transaction fee
More details
Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
No annual fee.
Turn daily purchases into everyday wins. Simply use your Unlimited 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.
3.5
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
4x
Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
2x
Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases.
1x
Earn 1 point per dollar spent on all other purchases.
Intro offer
60,000 bonus points
Annual fee
$99
Regular APR
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Get up to $120 in Global Entry/TSA Precheck® statement credits every 4 years.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
Low annual fee of $99 and 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.
Why we chose it
The Royal ONE Plus™ Visa Signature® credit card offers elevated rewards on both cruise purchases and everyday spending, earning 4 points per dollar spent on Royal Caribbean Group brands and 2 points per dollar spent across common travel and lifestyle categories. Combined with premium perks like a Global Entry/TSA PreCheck credit and an anniversary bonus, it’s a strong option for frequent cruisers who want to maximize rewards and benefits.
View more
Pros
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
Anniversary bonus adds ongoing value
No foreign transaction fees
Cons
Has an annual fee
Rewards are primarily tied to the Royal Caribbean Group ecosystem
Less flexible than general travel rewards cards
60,000 bonus points after spending $2,500 on purchases within the first 90 days of account opening, redeemable for $600 in onboard credit or cruise discounts.
Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $200 cruise discount after spending $20,000 on purchases within the prior anniversary year.
Embark with priority suite boarding and priority luggage.
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Get up to $120 in Global Entry/TSA Precheck® statement credits every 4 years.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
Low annual fee of $99 and 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.
Why we chose it
The Royal ONE Plus™ Visa Signature® credit card offers elevated rewards on both cruise purchases and everyday spending, earning 4 points per dollar spent on Royal Caribbean Group brands and 2 points per dollar spent across common travel and lifestyle categories. Combined with premium perks like a Global Entry/TSA PreCheck credit and an anniversary bonus, it’s a strong option for frequent cruisers who want to maximize rewards and benefits.
Pros + cons
Pros
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
Anniversary bonus adds ongoing value
No foreign transaction fees
Cons
Has an annual fee
Rewards are primarily tied to the Royal Caribbean Group ecosystem
Less flexible than general travel rewards cards
More details
60,000 bonus points after spending $2,500 on purchases within the first 90 days of account opening, redeemable for $600 in onboard credit or cruise discounts.
Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $200 cruise discount after spending $20,000 on purchases within the prior anniversary year.
Embark with priority suite boarding and priority luggage.
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Get up to $120 in Global Entry/TSA Precheck® statement credits every 4 years.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
Low annual fee of $99 and 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.
Why we chose it
The Royal ONE Plus™ Visa Signature® credit card offers elevated rewards on both cruise purchases and everyday spending, earning 4 points per dollar spent on Royal Caribbean Group brands and 2 points per dollar spent across common travel and lifestyle categories. Combined with premium perks like a Global Entry/TSA PreCheck credit and an anniversary bonus, it’s a strong option for frequent cruisers who want to maximize rewards and benefits.
Pros
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
Anniversary bonus adds ongoing value
No foreign transaction fees
Cons
Has an annual fee
Rewards are primarily tied to the Royal Caribbean Group ecosystem
Less flexible than general travel rewards cards
60,000 bonus points after spending $2,500 on purchases within the first 90 days of account opening, redeemable for $600 in onboard credit or cruise discounts.
Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $200 cruise discount after spending $20,000 on purchases within the prior anniversary year.
Embark with priority suite boarding and priority luggage.
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Get up to $120 in Global Entry/TSA Precheck® statement credits every 4 years.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
Low annual fee of $99 and 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.
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Why we chose it
The Royal ONE Plus™ Visa Signature® credit card offers elevated rewards on both cruise purchases and everyday spending, earning 4 points per dollar spent on Royal Caribbean Group brands and 2 points per dollar spent across common travel and lifestyle categories. Combined with premium perks like a Global Entry/TSA PreCheck credit and an anniversary bonus, it’s a strong option for frequent cruisers who want to maximize rewards and benefits.
Pros + cons
Pros
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
Anniversary bonus adds ongoing value
No foreign transaction fees
Cons
Has an annual fee
Rewards are primarily tied to the Royal Caribbean Group ecosystem
Less flexible than general travel rewards cards
More details
60,000 bonus points after spending $2,500 on purchases within the first 90 days of account opening, redeemable for $600 in onboard credit or cruise discounts.
Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $200 cruise discount after spending $20,000 on purchases within the prior anniversary year.
Embark with priority suite boarding and priority luggage.
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Get up to $120 in Global Entry/TSA Precheck® statement credits every 4 years.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
Low annual fee of $99 and 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.
3
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
1.5X
Earn unlimited 1.5 points for every $1 spent on purchases.
Intro offer
Earn 50,000 online bonus points
Annual fee
$0
Regular APR
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
Excellent Credit
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.
Why we chose it
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.
View more
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 BofA customer.
50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, 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 our highest Preferred Rewards for Business 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.
Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
Why we chose it
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 + cons
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 BofA customer.
More details
50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, 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 our highest Preferred Rewards for Business 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.
Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
Why we chose it
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 BofA customer.
50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, 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 our highest Preferred Rewards for Business 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.
Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
Excellent Credit
Why we chose it
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 + cons
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 BofA customer.
More details
50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, 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 our highest Preferred Rewards for Business 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.
Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% - 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.
3
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
3x
Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
2x
Earn 2x points on eligible grocery, gas and EV charging station purchases.
1x
Earn 1 point per dollar spent on all other purchases.
Intro offer
30,000 bonus points
Annual fee
$0
Regular APR
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
No annual fee and 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.
Why we chose it
The Royal ONE™ Visa Signature® credit card offers solid rewards for both cruise vacations and everyday spending, earning 3 points per dollar spent on Royal Caribbean Group purchases, 2 points per dollar spent on common expenses like groceries, gas and EV charging, and 1 point per dollar spent on all other eligible purchases. With no annual fee and flexible redemption options across multiple cruise brands, it’s a strong choice for travelers who want to earn rewards without an annual fee.
View more
Pros
No annual fee
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
No foreign transaction fees
Cons
Rewards are primarily tied to Royal Caribbean Group brands
Limited value for non-cruise travelers
30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening, redeemable for $300 in onboard credit or cruise discounts.
Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $100 cruise discount after spending $10,000 on purchases within the prior anniversary year.
Enjoy priority boarding through the Royal ONE Rewards℠ designated access line on boarding day (where available).
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
No annual fee and 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.
Why we chose it
The Royal ONE™ Visa Signature® credit card offers solid rewards for both cruise vacations and everyday spending, earning 3 points per dollar spent on Royal Caribbean Group purchases, 2 points per dollar spent on common expenses like groceries, gas and EV charging, and 1 point per dollar spent on all other eligible purchases. With no annual fee and flexible redemption options across multiple cruise brands, it’s a strong choice for travelers who want to earn rewards without an annual fee.
Pros + cons
Pros
No annual fee
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
No foreign transaction fees
Cons
Rewards are primarily tied to Royal Caribbean Group brands
Limited value for non-cruise travelers
More details
30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening, redeemable for $300 in onboard credit or cruise discounts.
Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $100 cruise discount after spending $10,000 on purchases within the prior anniversary year.
Enjoy priority boarding through the Royal ONE Rewards℠ designated access line on boarding day (where available).
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
No annual fee and 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.
Why we chose it
The Royal ONE™ Visa Signature® credit card offers solid rewards for both cruise vacations and everyday spending, earning 3 points per dollar spent on Royal Caribbean Group purchases, 2 points per dollar spent on common expenses like groceries, gas and EV charging, and 1 point per dollar spent on all other eligible purchases. With no annual fee and flexible redemption options across multiple cruise brands, it’s a strong choice for travelers who want to earn rewards without an annual fee.
Pros
No annual fee
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
No foreign transaction fees
Cons
Rewards are primarily tied to Royal Caribbean Group brands
Limited value for non-cruise travelers
30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening, redeemable for $300 in onboard credit or cruise discounts.
Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $100 cruise discount after spending $10,000 on purchases within the prior anniversary year.
Enjoy priority boarding through the Royal ONE Rewards℠ designated access line on boarding day (where available).
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
No annual fee and 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.
17.74% - 27.74% Variable APR on purchases and balance transfers
Recommended credit
670-850
Excellent/Good
Why we chose it
The Royal ONE™ Visa Signature® credit card offers solid rewards for both cruise vacations and everyday spending, earning 3 points per dollar spent on Royal Caribbean Group purchases, 2 points per dollar spent on common expenses like groceries, gas and EV charging, and 1 point per dollar spent on all other eligible purchases. With no annual fee and flexible redemption options across multiple cruise brands, it’s a strong choice for travelers who want to earn rewards without an annual fee.
Pros + cons
Pros
No annual fee
Elevated earning on Royal Caribbean, Celebrity Cruises and Silversea purchases
Bonus categories for everyday spending
No foreign transaction fees
Cons
Rewards are primarily tied to Royal Caribbean Group brands
Limited value for non-cruise travelers
More details
30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening, redeemable for $300 in onboard credit or cruise discounts.
Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Receive a $100 cruise discount after spending $10,000 on purchases within the prior anniversary year.
Enjoy priority boarding through the Royal ONE Rewards℠ designated access line on boarding day (where available).
Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
No annual fee and 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.
3.5
at Bank of America's secure site.
Rewards rate
Rewards rate
Rate
Category
1.5%
Earn unlimited 1.5% cash back on purchases.
Intro offer
Get a $500 online cash rewards bonus
Annual fee
$0
Regular APR
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
740-850
Excellent
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.
Why we chose it
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.
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Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
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.
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
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.
Why we chose it
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 + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
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.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
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.
Why we chose it
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.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
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.
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
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.
16.99% - 26.99% Variable APR on purchases and balance transfers
Recommended credit
740-850
Excellent
Why we chose it
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 + cons
Pros
Earns an unlimited 1.5% cash back on all purchases.
Cash rewards have no expiration date and multiple redemption options.
$500 online cash rewards bonus offer when cardholders make at least $5,000 in purchases within the first 90 days of account opening.
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.
More details
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 our highest Preferred Rewards for Business 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 eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
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.
