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Best No Annual Fee Bank of America Credit Cards
Most of Bank of America's consumer credit cards carry no annual fee, making Bank of America one of the easier issuers to build a long-term card stack with. The no-fee lineup covers nearly every use case: category cash back, flat-rate rewards, travel points, balance transfers, low intro APR, and student cards. These cards let you keep accounts open indefinitely without carrying a hidden cost—useful for credit history length and utilization ratios.
BankAmericard® credit card
on Bank of America's secure site
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. A fee of 5% of the amount of each transaction applies to all balance transfers.
- 14.99% - 25.99% Variable APR on purchases and balance transfers
- This card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
- $0
- Excellent, Good
Bank of America® Travel Rewards credit card
on Bank of America's secure site
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, 17.49% - 27.49% Variable APR on purchases and balance transfers thereafter. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent, Good
Bank of America® Unlimited Cash Rewards credit card
on Bank of America's secure site
- Earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 1.5% cash back on all purchases
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent/Good
Bank of America® Customized Cash Rewards credit card
on Bank of America's secure site
- Earn a $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, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent, Good
Bank of America® Travel Rewards credit card for Students
on Bank of America's secure site
- Earn 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 and 3 points per $1 spent on travel purchases booked through BofA Travel
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent/Good
Bank of America® Customized Cash Rewards credit card for Students
on Bank of America's secure site
- Earn a $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, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent/Good
Bank of America® Unlimited Cash Rewards credit card for Students
on Bank of America's secure site
- Earn a $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
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent/Good
BankAmericard® credit card for Students
on Bank of America's secure site
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. A fee of 5% of the amount of each transaction applies to all balance transfers.
- 14.99% - 25.99% Variable APR on purchases and balance transfers
- This card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
- $0
- Excellent, Good
About Bank of America No Annual Fee Cards:
The standouts here are the Bank of America® Customized Cash Rewards credit card and Bank of America® Unlimited Cash Rewards credit card for everyday spending, the Bank of America® Travel Rewards credit card for fee-free travel earning with no foreign transaction fees, and the BankAmericard® credit card for one of the longest 0% intro APR periods on balance transfers and purchases. None of these charge a penalty rate for late payments, which is a quiet benefit compared to competitors.
When to Consider Fee Cards:
You’d only step up to a fee-paying Bank of America card like the Bank of America® Premium Rewards® credit card ($95 annually) or Atmos™ Rewards Summit Visa Infinite® credit card if you spend heavily in the relevant categories or need the premium travel perks. For most single-card holders and for anyone building a low-maintenance rewards stack, the no annual fee lineup covers the bases without ongoing cost.
Frequently Asked Questions:
Do no annual fee Bank of America cards still earn rewards?
Yes. The Bank of America® Customized Cash Rewards credit card, Bank of America® Unlimited Cash Rewards credit card, and Bank of America® Travel Rewards credit card all have no annual fee and earn competitive rewards.
Is there a catch with no annual fee credit cards?
Generally no, but the tradeoff is usually lower earning rates or fewer premium perks compared to annual fee cards. No-fee Bank of America cards typically lack features like airport lounge access or airline incidental credits found on fee-paying cards.
Which no annual fee Bank of America card is best for travel?
The Bank of America® Travel Rewards credit card is the top no annual fee travel pick. Earn unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel. This card has no foreign transaction fees, and points can be redeemed as statement credit.
