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Bank of America Credit Cards

Sean Bryant
Updated on: 03/16/2018
Our Rating
RE®: 81
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"A WorldPoints program gives you multiple options for redeeming rewards."

No matter if you are looking for a new travel credit card, hoping to earn cash back or would like to help support breast cancer research, Bank of America has a credit card for you. The wide selection of cards isn’t the only thing that makes Bank of America a leading card issuer. They also do a great job supporting their most loyal customers. Certain Bank of America cards, like the BankAmericard Cash Rewards credit card, offer a bonus to cardholders that have a certain amount of money in other Bank of America products. But it doesn’t stop there. Bank of America also rewards cardholders with high sign-up bonuses, generous purchase reward opportunities and even a handful of no annual fee cards.

Rewards Credit Cards from Bank of America

The reward credit card space continues to grow each year. As the popularity of these cards increases, the importance to stand out becomes critical. Bank of America does a great job of doing this by offering cards like the BankAmericard Travel Rewards card, which offers a big sign-up bonus, an introductory 0% APR and no annual fee.

Want even more? How about the Alaska Airlines Visa Signature card? It gives you the ability to bring a companion on your next flight for just the cost of taxes and fees. But not everyone is looking to travel with the rewards they earn. Instead they might enjoy experiences that they will remember for a lifetime. That is where a card like the MLB credit card comes into play. Everything is possible with Bank of America cards.

WorldPoints Credit Cards

3 cards

A WorldPoints card gives you multiple options for redeeming rewards. When you have the WorldPoints Rewards for Business Visa credit card, you can use your rewards for cash, gift cards and travel.

Airline Credit Cards

9 cards

Bank of America partners with several different airlines. No matter if you are looking to travel domestically or internationally, you’ll have plenty of opportunities to earn free flights. The Allegiant World MasterCard, the Alaska Airlines personal and business cards and the Virgin Atlantic World Elite MasterCard all give you free or discounted companion tickets. This is a great way to save on your next vacation.

Cruise Credit Cards

5 cards

If sailing on a cruise ship is your idea of a relaxing vacation, then Bank of America has several different co-branded credit cards for you. These will help you receive room upgrades, onboard credits, shore excursions and more.

Cashback Cards

7 cards

Travel isn’t for everyone, which means earning cash back might be more your speed. If that’s the case, then Bank of America has you covered. Cards like the BankAmericard Cash Rewards card not only have a great sign-up bonus, but also offer attractive rewards on everyday purchases. Plus, all of the Bank of America cashback cards come with no annual fee.

Railway Credit Cards

1 cards

Traveling by train is like taking a road trip without actually needing to drive. It allows you to take in your surroundings, which you can’t do traveling by air. Even though there is only one card to choose from, the Amtrak Guest Rewards World Mastercard will allow you to visit nearly anywhere in the United States. Plus, this card will help you earn a free companion ticket and lounge access.

Travel Rewards Credit Cards

3 cards

Would you prefer to earn travel rewards that can be redeemed for any travel and not just with a specific airline or cruise line? Then a travel rewards credit card might be the best fit for you. With the BankAmericard Travel Rewards card you can redeem your rewards for things like airfare, hotels, car rentals and more.

Over the past decade, travel credit cards have become incredibly popular. In order to compete, issuers have been continuously increasing sign-up bonuses and perks. Bank of America is no different. Many of their travel credit cards will get you close to a free vacation just for signing up. But even if travel isn’t your thing, Bank of America has a credit card for just about every type of person. You might prefer to earn cash back, or you might want to help save endangered animals. No matter what your goal may be, you can accomplish it with Bank of America.

Best Credit Cards from Bank of America of 2018

  • Get 30,000 bonus miles after you make $1,000 or more within the first 90 days of your account opening.

  • Earn unlimited miles and travel with no blackout dates and no foreign transaction fees.
  • +Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • +Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
RATING: 74Miles Card

Best Card for Small Business
  • Limited Time Promotion: Alaska's Famous Companion Fare™ + 30,000 Bonus Miles. Buy one ticket, get one for just taxes and fees ($0 fare plus taxes and fees from just $22) plus receive 30,000 bonus miles with this offer. To qualify, make purchases of $1,000 or more within the first 90 days of opening your account.

  • No international transaction fees
  • +Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every dollar spent on all other purchases
  • +Low annual fee of $50 for the company and $25 per card
RATING: 74Miles Card

Compare Bank of America Credit Cards

Bank of America has a variety of credit cards that you can choose from. The difficult part is deciding which card is best for your goals. Maybe you want to travel the world with a co-branded card like the Virgin Atlantic World Elite MasterCard. Or maybe you want to bring a travel companion along for nearly free with the Alaska Airlines Visa Signature card.

If you are not that interested in travel, then you could use a cash back card like the BankAmericard Cash Rewards card. Not only will it allow you to earn a big sign-up bonus, but you will also earn bonus rewards when you purchase things like groceries and gas. This will make you feel like you’re getting a discount on every purchase.

If you want to make a difference in the world, then something like the World Wildlife Fund credit card might be for you. Not only will you earn the same sign-up bonus and purchase rewards that you would with the BankAmericard Cash Rewards card, but every purchase you make will help the World Wildlife Fund. No matter what you’re looking for in a credit card, Bank of America has something for you.

Credit Card
Annual Fee
APR
Bonuses & Rewards
Spirit Airlines™ World Mastercard®

Spirit Airlines™ World Mastercard®

RATING: 65Miles Card
Annual Fee
$0 first year, then $59
APR
14.49% to 24.49% Variable±
Bonuses & Rewards
  • 15,000 bonus miles after you spend $1 within the first 12 month

  • 3% of each transaction in U.S. dollars or in foreign currency
  • 2xMiles on Spirit Airlines Purchases
  • 2xMiles on All Other Purchases
Spirit Airlines™ World Mastercard® for Business Credit Card

Spirit Airlines™ World Mastercard® for Business Credit Card

RATING: 65Miles Card
Annual Fee
$0 first year, then $59
APR
14.49% to 24.49% Variable±
Bonuses & Rewards
  • 15,000 bonus miles with your first purchase

  • 3% of each transaction in U.S. dollars
  • 2xMiles on Spirit Airlines Purchases
  • 2xMiles on All Other Purchases
World Wildlife Fund Credit Card

World Wildlife Fund Credit Card

RATING: 60Cash Back Card
Annual Fee
$0
APR
14.49% to 24.49% Variable±
Bonuses & Rewards
  • $150 cash rewards after you spend $500 in the first 90 days

  • 3% of each transaction in U.S. dollars
  • %3% on Gas
  • %1% on All Other Purchases
MLB™ Cash Rewards Mastercard® from Bank of America

MLB™ Cash Rewards Mastercard® from Bank of America

RATING: 58Cash Back Card
Annual Fee
$0
APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Bonuses & Rewards
  • New Offer: $200 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

  • 3% foreign transaction fee
  • +Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • +Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
Royal Caribbean Visa Signature® Credit Card

Royal Caribbean Visa Signature® Credit Card

RATING: 62Points Card
Annual Fee
$0
APR
14.49% to 24.49% Variable±
Bonuses & Rewards
  • 10,000 points after making a transaction within the first 90 days of account opening

  • No Foreign Transaction Fee
  • 2xPoints on Royal Caribbean®, Celebrity Cruises and Azamara Club Cruises® Purchases
  • 1xPoints on All Other Purchases
U.S. Pride® Cash Rewards Visa® credit card

U.S. Pride® Cash Rewards Visa® credit card

Cash Back Card
Annual Fee
$0
APR
14.49% to 24.49% Variable±
Bonuses & Rewards
  • $150 cash rewards after you spend $500 in the first 90 days

  • 3% of each transaction in U.S. dollars
  • %3% on Gas
  • %1% on All Other Purchases
Virgin Atlantic World Elite MasterCard®

Virgin Atlantic World Elite MasterCard®

Flying Club
RATING: 75Miles Card
Annual Fee
$90
APR
16.49% to 24.49% Variable±
Bonuses & Rewards
  • 20,000 bonus Flying Club miles after your first purchase

  • No Foreign Transaction Fee
  • 3xMiles on Virgin Atlantic Purchases
  • 1.5Miles on All Other Purchases
BankAmericard® Secured credit card

BankAmericard® Secured credit card

Cash Back Card
Annual Fee
$39
APR
21.74% Variable±
Bonuses & Rewards
  • 3% of each transaction in U.S. dollars
BankAmericard® Credit Card

BankAmericard® Credit Card

RATING: 65Cash Back Card
Annual Fee
$0
APR
14.99% - 24.99% Variable APR on purchases and balance transfers
Bonuses & Rewards
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers

  • 3% of each transaction in U.S. dollars
Bank of America® Cash Rewards Credit Card for Students

Bank of America® Cash Rewards Credit Card for Students

Cash Back Card
Annual Fee
$0
APR
14.74% to 24.74% Variable±
Bonuses & Rewards
  • $150 cash rewards after you spend $500 in the first 90 days

  • 3% of each transaction in U.S. dollars
  • %3% on Gas
  • %1% on All Other Purchases
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

RATING: 70Cash Back Card
Annual Fee
$0
APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Bonuses & Rewards
  • New Offer: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

  • 3% of each transaction in U.S. dollars
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
Alaska Airlines Visa® Platinum Plus

Alaska Airlines Visa® Platinum Plus

Mileage Plan™
RATING: 71Miles Card
Annual Fee
$75
APR
16.49% to 24.49% Variable±
Bonuses & Rewards
  • Earn up to 5 miles per $1 spent using Mileage Plan Dining

  • No Foreign Transaction Fee
  • 5xMiles on Purchases made through Alaska Airlines Mileage Plan Dining
  • 1xMiles on All Other Purchases
Asiana Visa® Business Card

Asiana Visa® Business Card

Asiana Club
Miles Card
Annual Fee
$80
APR
14.74% Variable±
Bonuses & Rewards
  • 10,000 bonus miles after your first purchase

  • 3% of the U.S. dollar amount of each transaction
  • 2xMiles on Asiana Airlines Purchases
  • 1xMiles on All Other Purchases
Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

RATING: 69Cash Back Card
Annual Fee
$0
APR
13.24% - 23.24% Variable APR on purchases and balance transfers
Bonuses & Rewards
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.

  • 3% of each transaction in U.S. dollars
  • +3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

RATING: 71Points Card
Annual Fee
$0
APR
13.24% - 23.24% Variable APR on purchases and balance transfers
Bonuses & Rewards
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.

  • No annual fee and no international transaction fees.
  • +Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
  • +Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center – powered by Expedia®.
Susan G. Komen® Cash Rewards Visa® Credit Card

Susan G. Komen® Cash Rewards Visa® Credit Card

Cash Back Card
Annual Fee
$0
APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Bonuses & Rewards
  • New Offer: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

  • 3% of each transaction in U.S. dollars or in foreign currency
  • +Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • +Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
Alaska Airlines Visa® Business Card

Alaska Airlines Visa® Business Card

Mileage Plan™
RATING: 74Miles Card
Annual Fee
$75
APR
16.99% - 24.99% Variable APR on purchases and balance transfers
Bonuses & Rewards
  • Limited Time Promotion: Alaska's Famous Companion Fare™ + 30,000 Bonus Miles. Buy one ticket, get one for just taxes and fees ($0 fare plus taxes and fees from just $22) plus receive 30,000 bonus miles with this offer. To qualify, make purchases of $1,000 or more within the first 90 days of opening your account.

  • No international transaction fees
  • +Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every dollar spent on all other purchases
  • +Low annual fee of $50 for the company and $25 per card
Alaska Airlines Visa Signature® Credit Card

Alaska Airlines Visa Signature® Credit Card

Mileage Plan™
RATING: 74Miles Card
Annual Fee
$75
APR
16.99%-24.99% Variable APR on purchases and balance transfers
Bonuses & Rewards
  • Get 30,000 bonus miles after you make $1,000 or more within the first 90 days of your account opening.

  • Earn unlimited miles and travel with no blackout dates and no foreign transaction fees.
  • +Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • +Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

RATING: 70Points Card
Annual Fee
$0
APR
16.99% - 24.99% Variable APR on purchases and balance transfer
Bonuses & Rewards
  • New Offer: 25,000 online bonus points if 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

  • No Foreign Transaction Fee
  • +Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • +Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
Celebrity Cruises Visa Signature® Credit Card

Celebrity Cruises Visa Signature® Credit Card

RATING: 60Points Card
Annual Fee
$69
APR
14.49% to 24.49% Variable±
Bonuses & Rewards
  • 10,000 bonus points after making a transaction within 90 days of account opening

  • No Foreign Transaction Fee
  • 2xPoints on Celebrity Cruises, Royal Caribbean® and Azamara Club Cruises® Purchases
  • 1xPoints on All Other Purchases
Amtrak Guest Rewards® World Mastercard®

Amtrak Guest Rewards® World Mastercard®

RATING: 51Points Card
Annual Fee
$79
APR
14.49% to 24.49% Variable±
Bonuses & Rewards
  • 20,000 bonus points after you spend $1,000 in the first 3 months

  • No Foreign Transaction Fee
  • 3xPoints on Amtrak Purchases
  • 1xPoints on All Other Purchases
Norwegian Cruise Line® World Mastercard®

Norwegian Cruise Line® World Mastercard®

RATING: 60Points Card
Annual Fee
$0
APR
14.49% to 24.49% Variable±
Bonuses & Rewards
  • 10,000 bonus points after making a transaction within 90 days of account opening

  • 3% of each transaction in U.S. dollars
  • 3xPoints on Norwegian Purchases
  • 1xPoints on All Other Purchases

WorldPoints and Preferred Rewards Programs

WorldPoints was at one time the main program from Bank of America, and it was included with most of their rewards cards. Over the years, though, it has been phased out and is now only found on a few cards, such as the WorldPoints Rewards for Business Visa card and the Business Preferred World MasterCard charge card. You can also earn WorldPoints with the Norwegian Cruise Line card.

This program operates much like other reward programs. The points you earn through your card can be redeemed in several different ways. You could choose to use WorldPoints for cash, gift cards, travel and even experiences and events.

Preferred Rewards shouldn’t be confused as a separate rewards program through Bank of America. Instead it’s a way to reward loyal banking customer with a bonus. With Preferred Rewards you will have the chance to earn bonus credit card rewards based on the amount of money you have in a Bank of America or Merrill Edge investment account. Anyone that has a three-month average of at least $20,000 will be a Gold Preferred Rewards member, which will give him or her a 25 percent bonus on all rewards earned. If you have a $50,000 balance, you will be a Platinum Preferred Rewards client and receive a 50 percent bonus. Finally, a $100,000 balance will make you a Platinum Honors client and eligible to receive a 75 percent bonus.

The Chase Ultimate Rewards program is ideal for people looking to get into the mileage game fast and strong, or as a supplement to airline programs for serious travel hackers juggling multiple-miles credit cards and multiple awards programs. It allows you to book travel with points directly through the Ultimate Rewards mall where you can also find great bonuses (up to 15x sometimes!) on many shopping partners like Expedia and Amazon as well as transferring points to partner airline frequent flyer programs.

One of the best parts of the Ultimate Rewards program is that because it's a credit card company program rather than an airline program, Chase is very generous with sign-on bonuses, so after you get your first card and meet the minimum spend, you can book a roun-trip for two right away. The Chase Sapphire Preferred is the best card to use as a base for building up points and miles.

How to Use the Bank of America WorldPoints and Preferred Rewards Program

Not every WorldPoints redemption offers great value. If you choose to redeem points for cash back, then they are worth a maximum of one cent each. Unfortunately, that is only once you reach 25,000 or more points. Points below that threshold are only worth .5 to .8 cents each. Travel and gift cards can be a good redemption choice because your points are always worth a cent each.

If you decide that you want to redeem your WorldPoints for travel, then it’s really simple to do. After logging into your Bank of America account, you will be given the chance to view and redeem your WorldPoints. After you decide to redeem your rewards for travel you will be taken to the Bank of America Travel Center, which is powered by Orbitz. From here you can book a variety of travel, including airfare, hotels and car rentals. Not only will it tell you the cash price for your travel plans, but it will make you aware of how many WorldPoints it will cost.

Because Preferred Rewards is not a separate rewards program, it’s very simple to use. Let’s assume that you are a BankAmericard Cash Rewards cardholder with a combined balance of $30,000 in your Bank of America and Merrill Edge accounts. That would make you a Gold Preferred Rewards customer. Each time you use your BankAmericard Cash Rewards card you would earn 1.25 percent back, instead of the standard one percent.

In addition to the BankAmericard Cash Rewards card, the Preferred Rewards program is used with other Bank of America branded credit cards like the MLB credit card, Pink Ribbon BankAmericard Cash Rewards card, Pride Card, World Wildlife Fund card and BankAmericard Travel Rewards card.

Rewards Value

Redeem Points for:
Gift cards, cash back, travel
Value of Points Redeemed Through Bank of America WorldPoints Program:
0.5 cents to 1 cent

Bank of America

Bank of America Credit Cards Benefits

Credit card issuers love to publicize the large sign-up bonuses they offer or the rewards that cardholders can earn on purchases. These are the things that get people excited and interested in applying. However, what most people don’t know is that there is a lot of value in the little perks that a card might have.

If someone runs into your rental car, Bank of America will be there to offer you protection. If you have a flat tire, they will send someone to help. Credit cards come with so many benefits that, unless you read your benefits guide, you will probably never know they exist.

Roadside Dispatch:

If you have car problems and need assistance, then you can use your Visa Signature card and call for things like a tow, jump start, lockout service and more.

Lost Luggage Reimbursement:

Airlines are known to occasionally lose luggage. When this happens, your Bank of America Visa Signature card will cover you up to $3,000, or $2,000 per piece of luggage.

Travel Assistance:

If you are traveling in a different city and need help finding medical attention, legal counsel or something else, your Bank of America Visa Signature card can assist.

Auto Rental Collision Damage Waiver

If you get into an accident while driving a rental car, you will have the ability to receive reimbursement for any cost not paid for by your primary insurance company.

Price Protection:

Bank of America cards that are World MasterCards come with price protection. If the price drops within 120 days of the purchase, then you will receive reimbursement for the difference.

Bank of America Credit Card Network

Bank of America credit cards are issued by both Visa and MasterCard. Because these are the two largest networks, your cards will be accepted in more than 200 countries worldwide.

Bank of America Online Banking

Bank of America has made it very easy to take care of your banking needs without leaving your house. Through their online platform you have the ability to check your credit card balance, look at past and current statements, redeem the rewards that you have earned and so much more. Most people live very busy lives, so having this convenience is definitely helpful.

Mobile Banking

Much like being able to complete many of your routine banking tasks online from home, you also have the ability to do things on the go. The Bank of America mobile banking app gives you the ability to check your balance, view transactions, pay your bill, check your FICO score, transfer money and so much more. Plus, you will be able to add your Bank of America credit card to a mobile wallet and make purchases directly from your Smartphone.

Bank of America Fraud Protection

Every Bank of America credit card now comes with chip technology, which makes its security even stronger. Bank of America has a team to lookout for unusual activity within your account. When they see something, they will contact you to make sure the transactions were initiated by you. Many times these calls can happen nearly instantaneously with the suspicious transaction.

How to Report Suspicious Fraud

One of the most important things you can do to keep yourself safe from fraud is to stay in the know. Regularly look at your online statements and make sure something doesn’t seem off. If it does, then you should call the Bank of America fraud protection team immediately at 800-432-1000. If there is fraud on your account, Bank of America offers $0 fraud liability, so you won’t be responsible for any of the charges.

RewardExpert’s Best Bank of America Credit Cards

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FAQs

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