Bank of America credit cardsUpdated: May 16, 2018

Bank of America offers a small but robust selection of credit cards that suit a variety of purposes, from small businesses looking to earn rewards to consumers in need of a balance transfer credit card. What’s more, depending on the card, you could find yourself reaping even more rewards if you have a Bank of America checking or savings account. To learn more about the best Bank of America credit cards and find out which is the best one for you, read our detailed rankings below.

Bank of America customers can increase their rewards

As we already indicated, if you are a Bank of America customer, then choosing a branded rewards credit card could mean bigger rewards for you. When you redeem your rewards into a qualifying checking or savings account, you’ll get an extra 10% added to your total rewards. What’s more, if you are a Gold, Platinum or Platinum Honors Bank of America customer, that bonus reward percentage can increase 25% to 75%! Wondering which Bank of America credit cards allow you to earn increased rewards? Stick around while we tell you.

Best Bank of America credit cards
If you want to earn cash back rewards …

Bank of America credit cardsThe Bank of America Cash Rewards Credit Card is a choice cash back credit card, especially if you shop at wholesale clubs on a regular basis. This card earns a solid 3% cash back on gas and 2% cash back at wholesale clubs and grocery stores on up to $2,500 in combined gas/grocery/wholesale club purchases every quarter, as well as 1% on all other purchases. If you apply online, you’ll be eligible to earn a $150 bonus after you spend $500 on purchases within the first 90 days of your account being open. As we noted above, Bank of America bank account holders earn even more with a 10% customer bonus every time they redeem their rewards into a checking or savings account — that bonus can increase 25% to 75% if you have a higher-tier account. On top of these top-notch cash back rewards, cardholders also get a 12-month 0% intro APR on both purchases and balance transfers (note that each transfer will be subject to a fee equal to 3% or $10, whichever is more) and won’t have to pay an annual fee.

Bank of America credit cardsThose who would like to give back while they earn rewards can take comfort that every time they swipe their Susan G. Komen Credit Card, 0.08% of the amount will go to the Susan G. Komen Fund. The fund will also receive $3 when you activate your card within 90 days of approval. As a sister card to the Bank of America Cash Rewards Credit Card (noted above), this card earns similar rewards, including 3% cash back on gas, 2% cash back on groceries and wholesale club purchases (up to the $2,500 quarterly maximum in combined purchases) and 1% cash back on everything else. The intro bonus and ongoing 10% Bank of America customer bonus also apply, and Susan G. Komen Credit Card owners will enjoy a 12-month 0% intro APR on their purchases and any balance transfers (3% or $10 minimum balance transfer applies).

best Bank of America credit cardsBaseball season never ends when you have the MLB BankAmericard Cash Rewards Mastercard in your wallet. This card features all the same great rewards, bonuses and perks of its sister card, the Bank of America Cash Rewards Credit Card (noted above), while letting you display your team spirit every time you pull it out to pay. All 30 MLB teams are available to let you customize your credit card with your favorite team’s colors and logo.

If you’d like to make a balance transfer …

Bank of America credit cardsAlthough the cash back rewards cards we detailed above do each offer a solid 0% intro APR on balance transfers for 12 months, sometimes that 0% intro APR isn’t long enough. If you find yourself needing to transfer a balance from one or more high-interest credit cards, using a card like the BankAmericard Credit Card is a smart financial move. That’s because this card features a 15-month 0% intro APR on balance transfers made in the first 60 day of account opening (with a 3% balance transfer fee, $10 minimum). The 15-month 0% intro APR also extends to purchases, which is nice if you plan to make any large or small purchases in the near future. Save even more money with no annual fee or penalty APR, and use Bank of America’s mobile banking app to view your TransUnion FICO credit score for free every month to keep a finger on your financial pulse.

If you want to earn travel rewards …

Bank of America credit cardThe Bank of America Travel Rewards Credit Card earns a respectable 1.5 points per $1 spent on all purchases and placed well in our annual Travel Rewards Credit Card Analysis with an average flight and hotel redemption value of $1.50 for every $100 spent. Make $1,000 in purchases within the first 90 days and you’ll get a sweet 20,000-point bonus, which is equal to $200 in travel when redeemed as a statement credit. Cardholders also get a 10% bonus when they have an active Bank of America checking or savings account — which increases 25% to 75% if you are a Preferred Rewards client. Note that while there is a 12-month 0% intro APR on purchases, this card does not offer a 0% intro APR on balance transfers (though few travel rewards credit cards do). In addition to the perks already mentioned, cardholders can rest easy whether at home or abroad with absolutely no foreign transaction fees or annual fee to worry about.

If you’re a small business owner …

Bank of America credit cardsThe Bank of America Business Advantage Cash Rewards Mastercard credit card provides your business with a winning combination of cash back rewards on certain business-related purchases, no annual fee and a 0% intro APR on purchases for 9 months to help give you an interest-free cushion. Purchases at gas stations and office supply stores earn you 3% cash back (on up to $250,000 in combined purchases a year, then it’s 1% cash back), restaurants earn you 2% cash back and everything else nets the standard 1% cash back. As an added bonus, you can earn $200 cash back if you spend $500 on purchases within 60 days of opening your account.

Bank of America credit cardsRather rack up travel miles instead of cash back? The Bank of America Business Advantage Travel Rewards World Mastercard credit card earns a straightforward 1.5 points per $1 spent on purchases and 3 points per $1 for travel booked through the Bank of America Travel Center. Additionally, spend $1,000 on purchases within the first 60 days, and you’ll get 25,000 bonus points back — equivalent to $250 in travel when redeemed for a statement credit. Like the business rewards card we just discussed, this business travel rewards card offers users 9 months of 0% intro APR on purchases and does not charge an annual fee or foreign transaction fees, making it a smart choice for international travel.

Are there any downsides to Bank of America credit cards?

It’s important to note that all the cards we’ve reviewed for this post require good to excellent credit for approval (both of our highlighted small business credit cards require excellent credit), which is typically considered to be scores above 700. The last thing you want to do is to apply for a credit card and get turned down, so make sure that your credit is up to snuff before you apply, or consider checking out extensive credit card reviews to find one that is better tuned to your needs and creditworthiness.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.