Requirements to Get Bank of America Travel Credit Card

Best Overall, Best Travel : Banking concern of America® Premium Rewards®

Rating as a Depository financial institution of America Card

Current Offering

Earn l,000 bonus points after yous make at least $3,000 in purchases in the first xc days of account opening.

Recommended Credit

Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in because your awarding.

350 579

580 669

670 739

740 799

800 850

Proficient - Excellent

Regular APR (%)	16.24% - 23.24% variable
Annual Fee	$95
Rewards Earning Rate	Earn unlimited two points per $1 spent on travel and dining purchases and ane.five points per $i spent on all other purchases.
Balance Transfer Fee	Either $10 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%)	0%

• Why We Chose This Card:
• Pros & Cons:

Why We Chose This Card:

Bank of America Premium Rewards card is our selection for the best overall and best travel card from Depository financial institution of America due to its flexible redemption options, generous bonus points offer, and no strange transaction fees. This carte du jour does accuse a $95 annual fee, though that is in line with other popular travel rewards cards from competing issuers and should exist hands justified with earnings from consistent apply.

Pros & Cons:

Pros

• Rewards rates range betwixt solid and standout

• Generous travel-fee credits

• Large bonus

Cons

• No points-transfer partners

• No choice in travel vendors

Read the total Bank of America® Premium Rewards® credit card review

Best Student : Depository financial institution of America® Customized Greenbacks Rewards for Students

Rating as a Banking concern of America Card

Current Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Recommended Credit

Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is ane of the many factors lenders review in considering your awarding.

350 579

580 669

670 739

740 799

800 850

Good - Splendid

Regular Apr (%)	14.24% - 24.24% variable
Annual Fee	$0
Rewards Earning Rate	Earn three% greenbacks back in the eligible category of your choice, 2% greenbacks back at grocery stores and wholesale clubs, and one% cash back on all other purchases. Yous'll earn 3% and 2% greenbacks dorsum on the first $2,500 in combined categories each quarter, then i%.
INTRO PURCHASE Apr	0% for 15 Statement Closing Dates
INTRO Balance TRANSFER Apr	0% for 15 Statement Endmost Dates
Balance Transfer Fee	Either $10 or iii% of the corporeality of each transaction, whichever is greater.
Foreign transaction fee (%)	three%

• Why Nosotros Chose This Menu:
• Pros & Cons:

Why Nosotros Chose This Menu:

Our winner for the best Banking company of America pupil credit card is the Depository financial institution of America Customized Cash Rewards for Students because of its flexible cash back rewards program. This is a good card for students who want to build their credit while earning greenbacks dorsum on everyday items similar gas, online shopping, and groceries. With no almanac fee and a fifteen-month offering of 0% Apr on purchases and residual transfers, it's worth checking out.

Pros & Cons:

Pros

• 3% greenbacks back on the category of your choice and two% on groceries up to a quarterly combined spending cap

• 15-calendar month 0% Apr offering on purchases and residuum transfers from the time of business relationship opening

• Overdraft protection and rewards bonuses for banking customers

Cons

• Foreign transaction fee is less than ideal for students traveling or studying away

• Highest rewards earnings are capped

• Relatively high spending required for the ane-fourth dimension $200 introductory bonus

Read the full Banking concern of America® Cash Rewards for Students credit card review

Best No Annual Fee Travel : Banking company of America Travel Rewards

Rating as a Bank of America Menu

Current Offer

25,000 bonus points if you make at to the lowest degree $i,000 in purchases in the start 90 days of your business relationship opening - which tin can be redeemed for a $250 statement credit toward travel and dining purchases.

Recommended Credit

Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is ane of the many factors lenders review in considering your awarding.

350 579

580 669

670 739

740 799

800 850

Good - Excellent

Regular APR (%)	fourteen.24% - 24.24% variable
Annual Fee	$0
Rewards Earning Rate	Earn unlimited one.v points for every $1 yous spend on all purchases everywhere.
INTRO PURCHASE April	0% for 15 Statement Closing Dates
Balance Transfer Fee	Either $10 or iii% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%)	0%

• Why We Chose This Carte du jour:
• Pros & Cons:

Why We Chose This Carte:

Nosotros rate the Bank of America Travel Rewards card as the best no annual fee travel card considering of its generous rewards on all purchases and excellent bonus opportunity. Its travel redemption options and its lack of annual fee or foreign transaction fees likewise helped it to earn this peak spot.

Pros & Cons:

Pros

• Earn points on every purchase with no spending caps

• No annual or foreign transaction fees

• High-net-worth Depository financial institution of America and Merrill customers receive points bonuses

Cons

• Rewards rates are relatively pocket-sized

• Advantage points can't be transferred

• Premium travel benefits aren't included

Read the full Bank of America Travel Rewards credit card review

Best Cash Back : Bank of America® Customized Cash Rewards Credit Card

Rating as a Bank of America Carte du jour

Current Offer

Online $200 cash rewards bonus after making at least $1,000 in purchases in the beginning xc days of your account opening.

Recommended Credit

Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.

350 579

580 669

670 739

740 799

800 850

Good - First-class

Regular APR (%)	fourteen.24% - 24.24% variable
Annual Fee	$0
Rewards Earning Charge per unit	Earn 3% cash back in the category of your selection, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery shop/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
INTRO PURCHASE Apr	0% for xv Argument Closing Dates
INTRO Residual TRANSFER April	0% for xv Statement Closing Dates
Remainder Transfer Fee	Either $10 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%)	3%

• Why We Chose This Carte:
• Pros & Cons:

Why We Chose This Card:

We selected the Bank of America Customized Cash Rewards card equally the best cash dorsum rewards selection from Banking concern of America considering of its lucrative cash dorsum rate on purchases and unproblematic statement credit, bank check, or souvenir card redemption options. The card offers bonus earnings on a category of choice equally well as enhanced earnings on grocery purchases, with a base of operations rate on all other purchases.

Pros & Cons:

Pros

• Generous cash back rewards

• New cardholders earn a bonus offering hands

• No annual fee

• Fairly generous introductory 0% APR offering

Cons

• Spending caps on premium rewards earnings

• Limited redemption options

Read the full Depository financial institution of America Customized Cash Rewards credit carte review

All-time Business : Business Advantage Travel Rewards

Rating as a Bank of America Card

Current Offer

xxx,000 bonus points when you spend $3,000 in the first 90 days.

Recommended Credit

Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is 1 of the many factors lenders review in because your awarding.

350 579

580 669

670 739

740 799

800 850

Expert - Fantabulous

Regular APR (%)	12.49% - 22.49% variable
Annual Fee	$0
Rewards Earning Rate	Earn unlimited 1.v points for every $1 you spend on all purchases. Earn 3 points per $1 spent when y'all volume your travel (car, hotel, airline) through the Bank of America® Travel Center.
INTRO PURCHASE Apr	0% for 9 Billing Cycles
Balance Transfer Fee	Either $10 or 4% of the amount of each transaction, whichever is greater.
Cash Advance APR (%)	24.49%
Cash Advance Fee	Either $x or four% of the corporeality of each transaction, whichever is greater

• Why We Chose This Carte du jour:
• Pros & Cons:

Why We Chose This Card:

We chose the Business Advantage Travel Rewards equally our elevation pick for Banking concern of America business organisation cards because of its competitive earnings on all spending and the ability to earn 3 points per every dollar spent when you volume your travel (car, hotel, airline) through the Depository financial institution of America Travel Eye. Earn unlimited i.5 points for every $1 you spend on all purchases. Regular redemption is every bit simple as requesting points be applied to travel and dining purchases. The 1-time bonus is valued at $300, which is first-class for a no annual fee business bill of fare.

Pros & Cons:

Pros

• Earn unlimited points with no spending caps

• Easily earned, if pocket-sized, bonus

• Rewards boost with a high-rest bank or investment account

Cons

• Limited options for getting the best return on rewards

• No premium travel benefits

Read the full Business Advantage Travel Rewards credit card review

Best for Bad Credit : Bank of America® Customized Greenbacks Rewards Secured

Rating equally a Bank of America Menu

Recommended Credit

Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is ane of the many factors lenders review in considering your application.

350 579

580 669

670 739

740 799

800 850

Expert - Excellent

Regular APR (%)	24.24% variable
Annual Fee	$0
Minimum Deposit to Activate	$300
Pay deposit in installments	No
Allows upgrade to unsecured card	Yeah
Rewards Earning Rate	Earn three% cash dorsum in the eligible category of your pick, ii% cash back at grocery stores and wholesale clubs, and one% greenbacks back on all other purchases. You lot'll earn 3% and 2% greenbacks dorsum on the first $2,500 in combined categories each quarter, and then 1%.

• Why We Chose This Card:
• Pros & Cons:

Why Nosotros Chose This Card:

We chose the Bank of America Customized Cash Rewards Secured credit card every bit the best Banking concern of America carte du jour for bad credit because of its competitive rewards rates. With no annual fee and the ability to upgrade to an unsecured card, this is a bang-up option for those looking to build or repair their credit.

Pros & Cons:

Pros

• Competitive rewards rates for a secured carte

• May be upgraded to an unsecured bill of fare with responsible use

• No annual fee

Cons

• Minimum security deposit required

• Security eolith does non earn interest

• Remainder transfer fee

Read the total Bank of America® Cash Rewards Secured credit bill of fare review

Final Verdict

Bank of America offers a variety of credit cards with different rewards and benefits programs to meet the specific wants and needs of consumers. Whether you are looking for a personal credit that offers travel rewards, a educatee credit card to help y'all begin edifice credit, or a business credit bill of fare, Depository financial institution of America has a credit card that can fit your needs. No matter your budget, Bank of America has a card for you with many cards that don't require an annual fee.

Bank of America Premium Rewards credit card is our meridian pick for the all-time overall credit card and the best travel credit card due to its flexible redemption options, generous bonus offering, and no foreign transaction fees. While it does come with a $95 annual fee, the rewards and benefits you become from this bill of fare tin can more than than brand upward for the toll.

Compare the Best Banking concern of America Credit Cards

Credit Card	Intro Offering	Rewards	Almanac Fee	Regular April	Min. Credit Score
Bank of America® Premium Rewards® Best Overall, Best Travel	fifty,000 bonus points after you make at least $iii,000 in purchases in get-go 90 days of account opening	Unlimited points for every $1 spent on travel/dining Earn 2 points for every $1 spent on grocery store purchases through to 12/31/21 Earn 1.five points for every $i spent on all other purchases	$95	16.24% to 23.24%	670
Depository financial institution of America® Customized Cash Rewards for Students All-time Student	$200 online greenbacks rewards bonus after making at to the lowest degree $1,000 in purchases in offset ninety days of your account opening	Earn 3% cash dorsum in the category of your choice ii% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) Unlimited 1% on all other purchases	$0	14.24% to 24.24%	670
Banking concern of America Travel Rewards Best No Annual Fee Travel	25,000 bonus points if you make at least $1,000 in purchases in the beginning 90 days of your account opening–which tin exist redeemed for a $250 statement credit toward travel and dining purchases	Earn unlimited 1.five points for every $i you spend on all purchases everywhere, every time, and no expiration on points	$0	14.24% to 24.24%	670
Bank of America® Customized Cash Rewards Credit Menu Best Cash Back	Online $200 greenbacks rewards bonus after making at least $1,000 in purchases in the first ninety days after your account opening	Earn 3% cash back in the category of your choice 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/ grocery store/ wholesale lodge quarterly purchases) Unlimited one% on all other purchases	$0	13.99 to 23.99%	670
Business Advantage Travel Rewards Best Business concern	Earn 30,000 bonus points when you make at to the lowest degree $3,000 in internet purchases with ninety days of account opening Tin exist redeemed for $300 statement credit toward travel or dining	Earn unlimited 1.5 points for every $ane y'all spend on all purchases. Earn 3 points per $1 spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center.	$0	12.49% to 22.49%	670
Banking concern of America® Customized Cash Rewards Secured Best for Bad Credit	None	iii% cash back in the category of your selection 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery shop/wholesale club quarterly purchases) Unlimited one% on all other purchases	$0	24.24%	350

Editorial Picks of the Best Depository financial institution of American Credit Cards

Banking concern of America Premium Rewards Credit Card

All-time Overall, Best for Travel

Earn unlimited ane.5 points for every $1 you spend on all purchases everywhere. Use the 12-month 0% Apr promotion on purchases.

Read the total Bank of America Premium Rewards Credit Bill of fare Review.

Bank of America Customized Cash Rewards for Students

Best Student

Students can savour a $200 cash rewards bonus offering later making at least $1,000 in purchases in the first xc days of opening an account.

Read the total Bank of America Customized Cash Rewards for Students Review.

Banking company of America Travel Rewards Credit Card

Best No Annual Fee Travel

Take reward of the generous bonus offer of 25,000 points if you make at to the lowest degree $1,000 in purchases in the first ninety days of your business relationship opening. This can be redeemed for a $250 statement credit toward travel and dining purchases.

Read the total Banking concern of America Travel Rewards Credit Card Review.

Bank of America Customized Cash Rewards Credit Menu

All-time Cash Back

Offers 3% cash back in the category of your option (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings) likewise as two% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases.

Read the full Banking company of America Customized Cash Rewards Credit Card Review.

Business Reward Travel Rewards Credit Card

Best Business

Business owners tin can earn unlimited i.5 points for every $one spent on all purchases as well every bit 3 points per $1 spent on travel booked through the Banking concern of America Travel eye.

Read the full Business Reward Travel Rewards Credit Card Review.

Bank of America Customized Cash Rewards Secured

All-time for Bad Credit

Start rebuilding or repairing your credit while y'all earn cash back. Earn competitive rewards with a secured card and piece of work toward being upgraded to an unsecured carte with responsible use.

Read the total Depository financial institution of America Customized Cash Rewards Credit Card Review.

Types of Depository financial institution of America Cards

Banking concern of America issues Mastercard and Visa cards but does non issue cards on the American Limited or Discover networks. Its cards include points and greenbacks back rewards options for consumers and small businesses, along with cards for college students and those who want to transfer balances or build credit. The different types of credit cards offered by Banking concern of America include:

• Cash rewards credit cards
• Cards for building credit
• Credit cards for students
• Lower interest rate credit cards
• Points rewards credit cards
• Travel rewards credit cards
• Airline rewards credit cards

How Banking concern of America's Rewards Program Works

Bank of America's rewards points are earned at diverse levels based on the card product. They can be redeemed for cash back, statement credits, souvenir cards, or for travel through Banking company of America'due south travel middle. As with many issuers' rewards platforms, earned points mostly have the greatest value when they're redeemed for travel through the travel portal.

Is a Banking concern of America Credit Menu Worth Getting?

Whether you lot are looking for a personal credit card or a concern credit card, Banking concern of America offers a variety of credit cards to run into an array of wants and needs.

Credit Card Benefits

Those interested in earning cash back rewards, travel rewards, or points rewards can do good from a Bank of America credit carte. Students looking to build their credit while also earning cash dorsum or travel rewards can do good from a Bank of America Student credit card.

Credit Card Interest Charge per unit

If you desire a credit card that will help you lot to save on involvement, Bank of America offers credit cards with 0% April intro offers for purchases and residue transfers for a certain number of months.

Credit Card Fees

Depository financial institution of America offers many credit cards with no almanac fee. Some credit cards, including the Bank of America Premium Rewards credit carte, do have a $95 almanac fee but are worth it for those who take reward of the generous bonus offer and solid reward points plan.

What Credit Score Is Needed for a Bank of America Credit Card?

Bank of America generally requires good or excellent credit for the majority of its consumer and business concern cards. A good to excellent FICO credit score ranges from 670 to 850. Bank of America does consider those with no credit history for its pupil bill of fare options and those with lower scores for its non-rewards and secured card options.

To apply for a Bank of America credit carte, you can complete an online application and get a response in equally little every bit threescore seconds. You will be asked to fill in some demographic information (name, address), information about your citizenship (including Social Security number), as well every bit employment information including your total annual income and primary source of income.

One time you take submitted all of your information, you will receive one of four decision messages. Ane is that your application has been approved. In this case, y'all tin expect to receive your credit menu within 10 days. Y'all might also receive a message saying your awarding has been approved, but for a unlike card. Information technology'southward also possible to receive a bulletin proverb more than fourth dimension is needed to review your information. Finally, y'all may receive a notice saying you lot have been declined.

Before applying for a Bank of America credit card, it's a good idea to check your credit score so y'all take a good understanding of your current creditworthiness. Banking concern of America uses all three of the major credit bureaus: Equifax, TransUnion, and Experian.

How Good Is Depository financial institution of America Customer Service?

Bank of America received a score of 805 out of 1,000 points in the 2021 J.D. Ability U.Due south. Credit Card Satisfaction Written report and ranked 5th out of 11 major national credit card issuers. The average score among major issuers was 809. Its mobile app scored starting time in a 2021 J.D. Power survey for customer satisfaction. As another of its services, Depository financial institution of America offers customers access to their FICO credit score.

What Is the History of Bank of America?

Depository financial institution of America Corporation was formed through the merger of San Francisco, CA-based BankAmerica and Charlotte, NC-based NationsBank in 1998, creating one of the state'due south largest cyberbanking organizations. Bank of America tin trace its roots to the Bank of Italy, started by an Italian immigrant to serve his community in 1904. Bank of America launched the BankAmericard in 1958, which was the second universal credit card ever offered, with Diners Club existence the first. The carte network behind the BankAmericard eventually evolved into Visa later on being spun off from the bank in the 1970s. Bank of America dramatically grew its credit bill of fare portfolio when it caused MBNA in 2005.

Methodology

To cull the best Bank of America credit cards, nosotros filtered our list of virtually 300 credit cards. Nosotros looked at credit carte features including rewards, bonus offers, interest rates, fees, and benefits. We also considered the security of the card and the level of customer service provided. A weighted algorithm was used to determine which cards would be included in our final list.

MEET OUR CREDIT CARDS Skillful

Ben Woolsey is Investopedia'southward Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for cyberbanking and financial institutions such as Assembly First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

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