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Last fact checked: Sep. 19, 2026

Best Bank of America Credit Cards of September 2026

Bank of America offers one of the most flexible credit card lineups among big banks, covering everything from flat-rate cash back to premium travel rewards and secured and student cards. The BofA Rewards™ program is a key differentiator: qualifying Bank of America banking and Merrill customers can earn a 10% to 75% bonus on rewards with eligible cards. Below, compare Bank of America credit cards side by side so you can match the right card to how you actually spend.

BankAmericard^® credit card

5.0

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on Bank of America's secure site

Intro APR0% 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.
Regular APR14.99% - 25.99% Variable APR on purchases and balance transfers
Extra PerksThis card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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Bank of America^® Unlimited Cash Rewards credit card

5.0

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Limited Time OfferEarn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards RateEarn 1.5% cash back on all purchases
Intro APR0% 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.
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
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 17.49% - 27.49% 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.

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Bank of America^® Customized Cash Rewards credit card

5.0

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on Bank of America's secure site

Welcome OfferEarn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards RateEarn 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
Intro APR 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.
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
$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 17.49% - 27.49% 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.

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2026 Best of Awards Winner

Bank of America^® Travel Rewards credit card

5.0

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Welcome Offer25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards RateEarn unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel
Intro APR0% 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.
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
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 17.49% - 27.49% 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.

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Bank of America^® Platinum Plus^® Mastercard^® Business credit card

3.5

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on Bank of America's secure site

Intro APR0% Intro APR for 15 billing cycles on purchases
Regular APR14.74% - 25.74% Variable APR on purchases
Extra PerksPay no annual fee and enjoy employee cards at no additional cost
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Select to apply online
New Offer: 0% introductory APR on purchases for the first 15 billing cycles. After the intro APR offer ends, a Variable APR that's currently 14.74% - 25.74% will apply.
Save money on interest with a competitive purchase APR.
No annual fee.
Get employee cards at no additional cost to you and with credit limits you set.
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.

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

4.5

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on Bank of America's secure site

Welcome Offer50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate1.5 points for every $1 spent on all purchases everywhere, every time
Intro APR0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Select to apply online
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 your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

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

4.5

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on Bank of America's secure site

Welcome OfferGet a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate3% 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
Intro APR0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Product Details

Select to apply online
$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.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

Select to apply online
$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.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

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

4.5

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on Bank of America's secure site

Welcome OfferGet a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate1.5% cash back on purchases
Intro APR0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Select to apply online
$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.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.

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Bank of America^® Premium Rewards^® credit card

4.0

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on Bank of America's secure site

Welcome Offer60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening
Rewards Rate2 points for every $1 spent on travel and dining purchases, and 1.5 points for every $1 spent on all other purchases
Extra PerksGet up to $200 in combined airline incidental and airport expedited screening statement credits
Annual Fee$95
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
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.

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Bank of America^® Travel Rewards credit card for Students

4.0

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Welcome OfferEarn 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.
Rewards RateEarn unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel
Intro APR0% 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.
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
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 17.49% - 27.49% 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.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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Bank of America^® Unlimited Cash Rewards credit card for Students

4.0

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on Bank of America's secure site

Limited Time OfferEarn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards RateEarn unlimited 1.5% cash back on all purchases
Intro APR0% 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.
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
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 17.49% - 27.49% 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.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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Bank of America^® Customized Cash Rewards credit card for Students

5.0

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on Bank of America's secure site

Welcome OfferEarn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards RateEarn 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
Intro APR0% 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.
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
$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 17.49% - 27.49% 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.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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BankAmericard^® credit card for Students

4.0

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on Bank of America's secure site

Intro APR0% 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.
Regular APR14.99% - 25.99% Variable APR on purchases and balance transfers
Extra PerksThis card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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Atmos^™ Rewards Ascent Visa Signature^® credit card

4.0

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on Bank of America's secure site

Limited Time OfferEarn 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.
Rewards RateUnlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases, unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases, and unlimited 1 point per $1 spent on all other purchases
Extra PerksSave 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.
Annual Fee$95
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
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.

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Atmos^™ Rewards Summit Visa Infinite^® credit card

4.0

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on Bank of America's secure site

Limited Time OfferEarn 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.
Rewards RateUnlimited 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
Extra PerksSave 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.
Annual Fee$395
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
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.

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Learn More About Bank of America Credit Cards:

The Bank of America card portfolio can offer additional value for customers who already bank with Bank of America, but there are strong standalone picks too. The Bank of America^® Customized Cash Rewards credit card suits people who want to choose their top earning category; the Bank of America^® Travel Rewards credit card works well for simple, fee-free travel earning; and the Bank of America^® Premium Rewards^® credit card targets shoppers who want premium travel perks without a $500+ annual fee.

Considerations:

Before applying, consider whether you have an eligible Bank of America checking, savings, or Merrill account. BofA Rewards™ status can meaningfully change which cards give you the best return. If you're new to Bank of America, a standalone cash rewards or travel rewards card with no annual fee is usually the safest starting point.

Frequently Asked Questions:

What credit score do I need for a Bank of America credit card?
Most Bank of America cash rewards and travel cards are aimed at applicants with good to excellent credit. The BankAmericard^® credit card for Students is more accessible for building or building credit.

What is the BofA Rewards™ program?
BofA Rewards™ is a loyalty program for Bank of America banking and Merrill customers. Your tier is based on your combined account balances, with higher balances unlocking higher tiers. Members can earn a 10% to 75% bonus on rewards with eligible credit cards, which can significantly boost overall earnings.

Does Bank of America let you pre-qualify without a hard inquiry?
Yes. Bank of America offers a pre-qualification tool on their website that uses a soft credit check, so it won't affect your credit score. Pre-qualification is not a guarantee of approval, but it's a low-risk way to see which cards you're likely to be approved for.

Can I have multiple Bank of America credit cards?
Yes, it's possible to have multiple Bank of America credit cards. Some cardholders use different cards to maximize rewards. For example, pairing a cash rewards card for category spending with a flat rate card for everyday purchases. Bank of America will evaluate total credit exposure on each application.

How long does Bank of America take to approve a credit card application?
Some applicants receive an instant decision online. If your application needs further review, Bank of America may take several business days to respond. You can check your application status online or by calling the number provided after you apply.