Bank of America® credit cards, in our opinion, are some of the most wide-ranging in the U.S., and they offer a variety of rewards and perks such as cash back, points and travel rewards. This is not surprising, considering that Bank of America is the second largest bank in the U.S. by assets. As well as issuing credit cards, the bank offers banking, investment, and asset management services, as well as other financial and risk management products and services. With around 4,600 retail financial centers, award winning online banking, and about 16,000 ATMs, you can manage your Bank of America credit card account, get in-person help and use your card to get cash even when you travel throughout the country.
GET.com's best Bank of America credit cards
|Best For||Credit Card|
|Travel||BankAmericard Travel Rewards® Credit Card|
|Cash back||BankAmericard Cash Rewards™ Credit Card|
|Balance transfers||BankAmericard® Credit Card|
Since Bank of America offers quite a number of credit cards, with some of them being co-branded cards for frequent flyers or sports fans, we have narrowed this down to GET.com's picks of the 3 best Bank of America credit cards for people with excellent/good credit, which have solid benefits for most credit card users. These cards now come with chip technology, which provides added security at chip-enabled merchant terminals and allows you to use the card anywhere in the world. They also come with account alerts, mobile and text banking, $0 Liability Guarantee and a paperless statement option.
Best Credit Card For Flexible Travel Rewards
BankAmericard Travel Rewards® credit card is a rewards credit card that allows you to earn points that can be redeemed for your travel purchases. You will qualify for 20,000 online bonus points if you make at least $1,000 in purchases within 90 days of opening your account (that can be a $200 statement credit towards travel purchases). Earn 1.5 points per $1 spent on every purchase. You can earn unlimited points that do not expire and which can be redeemed for statement credit toward travel purchases made with this card (like flights, rental cars, cruises, baggage fees, vacation packages or hotels). To redeem points just book travel as usual and call or go online to redeem your points for a statement credit toward part or all of your travel purchases. Pay no foreign transaction fees. No annual fee. If you are a Bank of America customer you will benefit from an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account. That bonus can increase to 25%-75% if you're a Preferred Rewards client (click "Apply Now" to learn more about Preferred Rewards).
Read our review of BankAmericard Travel Rewards® credit card.
Best Cash Back Card For Gas And Groceries
BankAmericard Cash Rewards™ credit card is a cash rewards credit card with no annual fee for those of you who like to earn cash rewards when you make purchases. With this card, you will get a $100 online cash rewards bonus after you make at least $500 in purchases in the first 90 days of account opening. As for cash rewards, you will earn 2% cash back at grocery stores and wholesale clubs as well as 3% cash back on gas on the first $2,500 you spend on combined grocery store, wholesale clubs and gas purchases each quarter. For all other purchases, you will earn 1% cash back. Unlike many other credit cards, you don't have to enroll in any rewards program to receive your cash back and there are no changing categories. Your cash back doesn't expire, and you can choose to redeem it in the form of a statement credit or deposit into any Bank of America checking or savings account. You will get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account. (Preferred Rewards clients can increase that bonus to 25%-75% - click the "Apply Now" button to learn more). Also enjoy 0% intro APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days. After that, 13.49% - 23.49% variable APR. Balance transfer fees equal 3% of each transaction (minimum $10). See terms and conditions for fees that apply to other transaction types.
Read our review of BankAmericard Cash Rewards™ credit card.
Chip Technology And $0 Liability Guarantee
BankAmericard® credit card is the card to get if you want a 0% intro APR on qualifying balance transfers for a longer period of time. You'll enjoy 0% intro APR for 18 billing cycles on balance transfers made in the first 60 days. After that, there is a 11.49% - 21.49% variable APR. Balance transfer fees equal 3% of each transaction (minimum $10). This card also comes with $0 Liability Guarantee so you won't be responsible for fraudulent purchases made with your card. Chip technology provides enhanced security when you use your card at chip-enabled terminals. No annual fee.
Read our review of BankAmericard® credit card.
Business Credit Card With Travel Rewards And Benefits
Bank of America® Travel Rewards World MasterCard® for Business credit card. With this travel credit card you earn 1.5 points for every $1 on all purchases. Earn 3 points for every $1 spent for travel booked through Bank of America's Travel Center. Earn 25,000 bonus points after you make $1,000 in purchases on your account within 60 days of account opening. You can redeem points for gift cards, cash, and travel with no blackout dates. Aside from earning rewards, paying for travel with this card also lets you enjoy travel benefits such as lost luggage reimbursement, travel accident insurance, and auto rental collision coverage. You get a 0% introductory APR for the first 9 billing cycles on purchases. A standard 11.74% - 21.74% variable APR applies after that introductory period. This card has no annual fee and has no international transaction fee. Read our review of Bank of America® Travel Rewards World MasterCard® for Business credit card here.
Business Credit Card With Cash Back Rewards
Bank of America® Cash Rewards for Business MasterCard® credit card lets you earn 3% cash back for purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% cash back on all other purchases (annual cap of $250,000 on combined gas station and office supply store purchases, then 1% earn rate after that). You can redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account. Benefit from a 0% intro APR on purchases for the first 9 billing cycles, after which a 11.74% - 21.74% variable APR applies. This card has a special promotional offer which lets you earn a $200 statement credit after charging $500 in purchases to this card within 60 days of account opening. No annual fee. This card has many useful business benefits which you can read about in out full review.
Read our full review of Bank of America® Cash Rewards for Business MasterCard® credit card here.
Katrina Gutierrez is a writer at GET.com. Email: firstname.lastname@example.org.Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Eileen Szymanski Clifton
Please note my rating in comments above.
September 18 2015 at 18:58
what about bankamericard better balance rewards platinum plus master card?
June 09 2015 at 13:15