Credit cards
14 Best Bank of America Credit Cards of November 2026
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Limited-Time Offer
Atmos™ Rewards Ascent Visa Signature® credit card
- Intro offerLimited-time online offer – Earn up to 80,000 bonus points + $99 Companion Fare
- Annual fee$95
- You'll earn1-3x
- Regular APR19.74% - 27.74% Variable APR on purchases and balance transfers
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.
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Comparing the best Bank of America credit cards
How we rate
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:
- 1Sign-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.
- 2Annual 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.
- 3Bonus 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
Pros + cons of Bank of America credit cards
Pros
- Using Bank of America credit cards responsibly can help you build your credit score
- Bank of America credit cards can earn cash back or various currencies on every dollar you spend
- Some Bank of America credit cards offer valuable travel and purchase protections
- Bank of America credit cards can hold more value if you are in the BofA Rewards program
Cons
- Credit cards can encourage overspending
- Carrying a balance and using your Bank of America credit card irresponsibly can damage your credit score
- Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One
- It may be challenging to get full value from Bank of America credit cards if you don't have a BofA Rewards membership
Frequently asked questions
How do you apply for a Bank of America credit card?
To apply for any of the Bank of America credit cards on this list, select the “Apply Now” button below each Bank of America card.
How do you activate a Bank of America credit card?
The best way to activate your Bank of America card is online with your banking ID and passcode. You can begin your activation process for your Bank of America credit card here.
Which Bank of America credit card is best?
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.
