Bank of America Credit Cards

We found 49 Bank of America credit cards. Read on to get more insights.

By Hanna Volkava
Updated November 01, 2024

Best Credit Cards in November 2024

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Bank of America Business Advantage Unlimited Cash Rewards
Annual fee:
$0
Regular APR:
18.49% - 28.49% Variable
Our Rating:
4.45
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on all purchases.
  • Intro Offer:
    • $300 Statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 9 billing cycles following the opening of your account
  • Balance Transfer APR:
    18.49% - 28.49% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America Business Advantage Unlimited Cash Rewards Credit Card earns $300 as a statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

    The Card offers 1.5% Cash Back on all purchases.

    The Business Advantage Unlimited Cash Rewards Card has no annual fee. The card's APR: 0% for 9 billing cycles, then 18.49% - 28.49% (Variable APR).

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $300 statement credit (after you make at least $3,000 in purchases in the first 90 days of your account opening);
    • 1.5% Cash Back on all purchases;
    • Up to 75% more cash back on every purchase;
    • Flexible Redemption Options;
    • Travel and Emergency Services;
    • Zero liability protection.
Card detail
Bank of America Wake Forest University
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
    • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Wake Forest University Credit Card earns a $200 cash bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.

    The Card offers 3% Cash Back in the category of your choice (on the first $2,500 each quarter), and 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter). Plus, earn 1% Cash Back on all other purchases.

    The Wake Forest University Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 statement closing dates on purchases and balance transfers made within 60 days of account opening. After that, the variable APR is 18.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
    • High APR
  • Benefits:
    • $200 Cash rewards bonus (after making at least $1,000 in purchase(s) within the first 90 days of account opening);
    • 3% Cash Back in the category of your choice (on the first $2,500 each quarter);
    • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter);
    • 1% Cash Back on all other purchases.
Card detail
Bank of America University of Virginia
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
    • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The University of Virginia Credit Card earns a $200 cash bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening. The Card offers 3% Cash Back in the category of your choice (on the first $2,500 each quarter), and 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter). Plus, earn 1% Cash Back on all other purchases.

    The University of Virginia Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 statement closing dates on purchases and balance transfers made within 60 days of account opening. After that, the variable APR is 18.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 Cash rewards bonus (after making at least $1,000 in purchase(s) within the first 90 days of account opening);
    • 3% Cash Back in the category of your choice (on the first $2,500 each quarter);
    • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter);
    • 1% Cash Back on all other purchases.
Card detail
Bank of America Columbia University
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back in the category of your choice, like online shopping. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 2% Cash Back at grocery stores and wholesale clubs. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America Columbia University Credit Card earns a $200 cash bonus after making at least $1,000 in purchases in the first 90 days of account opening. The Columbia University Credit Card offers 3% back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 2% back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Plus, earn 1% back on all other purchases.

    The Columbia University Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 billing cycles on purchases and balance transfers made within 60 days of account opening. After that, the variable APR is 18.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening;
    • 3% back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases);
    • 2% back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases);
    • 1% back on all other purchases.
Card detail
Bank of America NEA® Customized Cash Rewards
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back in the category of your choice (gas, online shopping, drug stores, home improvement & furnishings, dining or travel).
    • 2% Cash Back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
    • 1% Cash Back on purchases everywhere, every time.
  • Intro Offer:
    • $200 Amazon.com gift card bonus after making $500 in purchase(s) within the first 90 days. Students not eligible.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America NEA® Customized Cash Rewards Credit Card earns 3% Cash Back in the category of your choice, 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter). The Card offers 1% Cash Back on all other purchases.

    Get a $200 Amazon.com gift card bonus after making $500 in purchase(s) within the first 90 days.

    The Card has a 0% introductory APR period for 15 statement closing dates on purchases and balance transfers. After that, the variable APR is 18.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 Amazon.com gift card bonus after making $500 in purchase(s) within the first 90 days (Students not eligible);
    • 3% Cash Back in the category of your choice (gas, online shopping, drug stores, home improvement & furnishings, dining or travel);
    • 2% Cash Back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter;
    • 1% Cash Back on purchases everywhere, every time.
Card detail
Bank of America® Premium Rewards® Elite
Annual fee:
$550 annually
Regular APR:
21.24% - 29.24% Variable
Our Rating:
3.42
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 2x Points for every $1 spent on travel and dining purchases.
    • 1.5x Points for every $1 spent on all other purchases.
  • Intro Offer:
    • 75,000x Bonus points after you make at least $5,000 in purchases in the first 90 days of account opening.
  • Balance Transfer APR:
    21.24% - 29.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America® Premium Rewards® Elite Credit Card earns 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening. The Card offers 2x points for every $1 spent on travel and dining purchases, 1.5x points for every $1 spent on all other purchases.

    The Card comes with an annual fee of $550. The card's APR: 21.24% - 29.24% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
  • Benefits:
    • 75,000 bonus points (after you make at least $5,000 in purchases in the first 90 days of account opening);
    • 2x points for every $1 spent on travel and dining purchases;
    • 1.5x points for every $1 spent on all other purchases;
    • 25% - 75% more points on every purchase;
    • Free unlimited access to airport lounges worldwide with your complimentary Priority Pass™ Select Membership.
Card detail
Bank of America Texas Exes Customized Cash Rewards
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back in the category of your choice, like online shopping. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 2% Cash Back at grocery stores and wholesale clubs. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Texas Exes Customized Cash Rewards Credit Card is a no annual fee credit card from Bank of America.

    The Card earns a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. Plus, earn 3% Cash Back in the category of your choice, 2% Cash Back at grocery stores and wholesale clubs and 1% Cash Back on all other purchases.

    The Card has a 0% introductory APR period for 15 Statement Closing Dates on purchases and balance transfers made within 60 days of account opening. After that, the variable APR is 18.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 cash rewards bonus (after making at least $1,000 in purchases in the first 90 days of account opening);
    • 3% Cash Back in the category of your choice;
    • 2% Cash Back at grocery stores and wholesale clubs;
    • 1% Cash Back on all other purchases.
Card detail
Bank of America Unlimited Cash Rewards
Annual fee:
$0
Regular APR:
19.24% - 29.24% Variable
Our Rating:
4.81
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on all purchases.
  • Intro Offer:
    • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Balance Transfer APR:
    19.24% - 29.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America Unlimited Cash Rewards Credit Card earns a $200 cash bonus after making at least $1,000 in purchases in the first 90 days of your account opening. The Card offers 1.5% Cash Back on all purchases.

    The Unlimited Cash Rewards Card doesn't charge an annual fee.

    The Card has a 0% Intro APR period for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 19.24% to 29.24% will apply.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Penalty APR
    • High APR
    • Foreign Transaction Fee
  • Benefits:
    • $200 bonus (after making at least $1,000 in purchases in the first 90 days of your account opening);
    • 1.5% Cash Back on all purchases;
    • Digital Wallet;
    • $0 Liability Guarantee.
Card detail
Bank of America® Customized Cash Rewards Secured
Annual fee:
$0
Regular APR:
29.24% Variable
Our Rating:
4.91
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 3% Cash Back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%).
    • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%).
    • 1% Cash Back on all other purchases.
  • Balance Transfer APR:
    29.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America® Customized Cash Rewards Secured Credit Card earns 3% Cash Back in the category of your choice (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%), 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%) and 1% Cash Back on all other purchases.

    The Card doesn't charge an annual fee. The APR for purchases and balance transfers is 29.24% Variable.

  • Pros:
    • 3% Cash Back in your preferred category
    • No minimum credit score
    • No annual fee
    • Reports to three major credit bureaus
  • Cons:
    • High APR
    • Balance transfer and foreign transaction fees
    • Relatively high minimum deposit
    • $2,500 combined limit
  • Benefits:
    • 3% Cash Back in the category of your choice (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%);
    • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%);
    • 1% Cash Back on all other purchases;
    • FICO® Score for Free;
    • Digital Wallet Technology.
Card detail
Bank of America Business Advantage Unlimited Cash Rewards Secured
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.61
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 1.5% Cash Back on all purchases.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America Business Advantage Unlimited Cash Rewards Secured Credit Card earns 1.5% Cash Back on all purchases. Open your account with a security deposit (minimum $1,000). Upon approval your credit line will be equal to your deposit account.

    The Card doesn't charge an annual fee. The APR for purchases and balance transfers is 28.49% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • No welcome bonus
    • No Intro APR period
    • Foreign Transaction Fee
    • High APR
  • Benefits:
    • 1.5% Cash Back on all purchases;
    • Cash Flow Management Tools;
    • Travel and Emergency Services;
    • Zero Liability Protection.
Card detail

Bank of America credit cards pros and cons

Pros

  • Wide selection. There are several cards to choose from that will allow you to meet a variety of needs, whether you’re a frequent shopper, dining out lover, or traveler, business owner, or someone who needs to pay off a debt.
  • Your photo on the credit card. If you own a Visa Preferred, Gold, or Platinum Plus credit card, BofA’s Photo Expressions feature allows you to add a personal photo on the front of your card.
  • Sign-up bonuses. Some Bank of America credit cards come with a sign-up bonus. The most enticing welcome bonus is for the BofA Premium Rewards credit card, where you get 50,000 bonus points. You get these points when you spend $3,000 on eligible purchases within 90 days of opening the account.
  • Preferred Rewards program. You can join the Preferred Rewards program when your BofA and/or Merrill Edge investment accounts have a combined minimum balance of $20,000. Through this program, you can earn 25%-75% more in cash back and credit card rewards when you make a qualifying purchase.

Cons

  • Annual fee. Some credit cards charge an annual fee. For example, you will have to pay $95 annually if you have the Premium Rewards credit card (the fee is not waived for the first year).
  • Good-to-excellent credit requirement. To be approved for BofA’s credit card, you need a good-to-excellent credit rating.

How to Choose the Right Bank of America Credit Card?

Sometimes, choosing the right credit card from a specific credit card issuer can be hard. Considering Bank of America, there are three steps that will make your decision process easier.

First and foremost, you need to figure out your current credit score. It will be from "Poor” to “Excellent”, and the higher your score is, the better Bank of America options of credit cards are available to you.

Secondly, you have to understand why you want a Bank of America credit card and determine the most important aspects your future credit card should have. If you search for a credit card to improve your credit score, then look for the ones with large grace period and no annual fee. If your goal is to not spend money on interest, Bank of America credit cards with the lowest interest and introductory rates are your best choice. In case you need a credit card with cashback, check the rewards program offered by Bank of America.

As a third step, compare the Bank of America credit cards you find the best for you, but now considering all the aspects. Overall, the best credit card meet the following characteristics: near-zero interest rate, no fees, extended credit limit, the finance charge calculations include one billing cycle only, and great rewards and sign-up bonuses. You can easily compare Bank of America credit cards in the table below.

Side-by-Side Comparison of Bank of America Credit Cards

Card Name APR Annual fee Rewards Intro offer
Cash Rewards 19.24% - 29.24% Variable $0
  • 3% Cash Back rewards in a selected purchase category.
  • 2% Cash Back at grocery stores and wholesale clubs.
  • 1% Cash Back on all other purchases.
  • $200 Online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Travel Rewards 19.24% - 29.24% Variable $0
  • 1.5x Unlimited points per dollar on all qualifying purchases.
  • 25,000x Bonus points ($250 value toward travel purchases) if you make $1,000 in purchases within 90 days of opening the account.
  • Premium Rewards® 21.24% - 29.24% Variable $95
  • 2x Points per $1 spent on travel purchases.
  • 2x Points per $1 spent on dining purchases.
  • 1.5x Points per $1 spent on all other purchases.
  • 60,000x Bonus points (a $600 value) when you spend $4,000 in first 90 days.
  • Cash Rewards for Students 19.24% - 29.24% Variable $0
  • 3% Cash Back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings.
  • 2% Cash Back at grocery stores and wholesale clubs.
  • 1% Cash Back on all other purchases.
  • $200 Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
  • BankAmericard® 16.24% - 26.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Susan G. Komen® Customized Cash Rewards Visa® 19.24% - 29.24% Variable $0
  • 3% Cash Back in the category of your choice.
  • 2% Cash Back at grocery stores and wholesale clubs.
  • 1% Cash Back on all other purchases.
  • $200 Сash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
  • Alaska Airlines Visa® 20.24% - 28.24% Variable $75
  • 3x MIles for every $1 spent on eligible Alaska Airlines purchases.
  • 1x Mile for every $1 spent on all other purchases.
  • 60,000x Bonus miles after you make $3,000 or more in purchases within the first 90 days of your account opening.
  • Business Advantage Cash Rewards Mastercard® 18.49% - 28.49% Variable $0
  • 3% Cash Back in the category of your choice. You'll earn 2% and 3% Cash Back on up to $50,000 in combined purchases in those categories each calendar year, then 1% thereafter.
  • 2% Cash Back on dining.
  • 1% Cash Back on all other purchases.
  • $300 Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
  • BankAmericard® Secured 26.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Air France KLM World Elite Mastercard® 20.24% - 28.24% Variable $89
  • 3x Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases.
  • 1.5x Miles per $1 on all other purchases.
  • 70,000x Bonus miles after making $3,000 in purchases within 90 days.
  • Unlimited Cash Rewards Secured 29.24% Variable $0
  • 1.5% Cash Back on all purchases.
  • No current offer.
  • Norwegian Cruise Line® World Mastercard® 19.24% - 29.24% Variable $0
  • 3x Points per $1 spent on Norwegian Cruise Line purchases.
  • 2x Points per $1 spent on eligible Airline & Hotel purchases.
  • 1x Point per $1 spent on all other purchases.
  • 20,000x Bonus Points after making at least $1,000 in purchases in the first 90 days of account opening.
  • Allegiant World Mastercard® 20.24% - 28.24% Variable $59
  • 3x Points per $1 on Allegiant purchases (air, hotel, car rental and attractions).
  • 2x Points per $1 on qualifying dining purchases.
  • 1x Point per $1 on all other purchases.
  • 25,000x Bonus Points (equal to $250) after you make $1,000 or more in purchases within the first 90 days of account opening.
  • Sandals® Visa Signature® 18.24% - 28.24% Variable $0
  • 3x Points on Sandals and Beaches purchases.
  • 1x Point for each dollar spent on all other purchases.
  • 20,000x Apply online today and use your card to make at least $1,000 in purchases within the first 90 days of account opening to receive your bonus points.
  • Platinum Plus® Mastercard® Business 16.49% - 27.49% Variable $0
  • This card doesn't offer cash back, miles or points.
  • $300 Statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
  • Celebrity Cruises® Visa Signature® 18.24% - 28.24% Variable $0
  • 2x Points per $1 spent on qualifying purchases with Celebrity Cruises.
  • 1x Point per $1 on all other purchases.
  • 30,000x Points after making at least $1,000 in purchases within the first 90 days of account opening.
  • Travel Rewards for Students 19.24% - 29.24% Variable $0
  • 1.5x Points for every $1 you spend on all purchases everywhere, every time and no expiration on points.
  • 25,000x Online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases.
  • Sonesta World Mastercard® 18.24% - 28.24% Variable $75
  • 30,000x Bonus points on your Account Anniversary, if you spend at least $7,500 on purchases every year.
  • 3x Points on eligible Sonesta purchases.
  • 2x Points on eligible airfare, car rental and dining purchases.
  • 1x Point for every $1 spent on all other purchases.
  • 60,000x Bonus points after spending at least $1,000 on purchases within your first 90 days of account opening.
  • 5,000x Additional points after adding an authorized user within your first 90 days of account opening.
  • Free Spirit® Travel Mastercard® 20.24% - 28.24% Variable $0
  • 5,000x Points each anniversary after making at least $10,000 in purchases within the prior anniversary year.
  • 2x Points per dollar spent on eligible Spirit purchases.
  • 1x Point per dollar spent on all other purchases.
  • 10,000x Bonus Points after making at least $500 in purchases within the first 90 days of account opening.
  • Royal Caribbean Visa Signature® 18.24% - 28.24% Variable $0
  • 2x MyCruise® Points for every $1 spent on qualifying Royal Caribbean purchases.
  • 1x Point per $1 on purchases everywhere else.
  • 30,000x Bonus points after you make $1,000 or more in purchases within 90 days of opening your account.
  • $50 Discount on Royal Caribbean's Air2Sea program after making at least $3,500 in card purchases within the first 90 days of account opening (students are not eligible).
  • Free Spirit® Travel More World Elite Mastercard® 21.24% - 29.24% Variable $79
  • 3x Points per $1 spent on eligible Spirit purchases.
  • 2x Points per $1 spent on eligible dining and grocery store purchases.
  • 1x Point per $1 spent on all other purchases.
  • 50,000x Bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.
  • Business Advantage Travel Rewards World Mastercard® 18.49% - 28.49% Variable $0
  • 3x Points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center.
  • 1.5x Points for every $1 you spend on all purchases.
  • 30,000x Bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining-related purchases.
  • University of Miami Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice.
  • 2% Cash Back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.
  • 1% Cash Back on all other purchases.
  • $200 Online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • NYUAA Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice.
  • 2% Cash Back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.
  • 1% Cash Back on all other purchases.
  • $200 Online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • Alaska Airlines Visa® Business 21.24% - 29.24% Variable $50
  • 3x Miles for every $1 spent on eligible Alaska Airlines purchases.
  • 1x Mile for every $1 spent on all other purchases.
  • 50,000x Get 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
  • Customized Cash Rewards Secured 29.24% Variable $0
  • 3% Cash Back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%).
  • 1% Cash Back on all other purchases.
  • No current offer.
  • Business Advantage Unlimited Cash Rewards Secured 28.49% Variable $0
  • 1.5% Cash Back on all purchases.
  • No current offer.
  • Unlimited Cash Rewards 19.24% - 29.24% Variable $0
  • 1.5% Cash Back on all purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
  • BankAmericard® for Students 16.24% - 26.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • AMSA Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice, like online shopping (on the first $2,500 each quater, then 1%).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quater, then 1%).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days.
  • Business Advantage Unlimited Cash Rewards 18.49% - 28.49% Variable $0
  • 1.5% Cash Back on all purchases.
  • $300 Statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
  • Texas Exes Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice, like online shopping. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
  • 2% Cash Back at grocery stores and wholesale clubs. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • Premium Rewards® Elite 21.24% - 29.24% Variable $550
  • 2x Points for every $1 spent on travel and dining purchases.
  • 1.5x Points for every $1 spent on all other purchases.
  • 75,000x Bonus points after you make at least $5,000 in purchases in the first 90 days of account opening.
  • NEA® Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (gas, online shopping, drug stores, home improvement & furnishings, dining or travel).
  • 2% Cash Back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
  • 1% Cash Back on purchases everywhere, every time.
  • $200 Amazon.com gift card bonus after making $500 in purchase(s) within the first 90 days. Students not eligible.
  • Columbia University 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice, like online shopping. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
  • 2% Cash Back at grocery stores and wholesale clubs. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • University of Virginia 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Wake Forest University 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • University of Houston 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Indiana University 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • University of North Carolina 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • UNC Charlotte Alumni Association Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • University of Southern California Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • 200% Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Fordham University Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • University of Iowa 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • University of Michigan 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Brown Alumni Association Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Cal Alumni Association Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Iowa State University Alumni Association Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Auburn University Customized Cash Rewards 18.24% - 28.24% Variable $0
  • 3% Cash Back in the category of your choice (on the first $2,500 each quarter).
  • 2% Cash Back at grocery stores and wholesale clubs (on the first $2,500 each quarter).
  • 1% Cash Back on all other purchases.
  • $200 Cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
  • Conclusion

    Today, Bank of America has a wide range of credit cards with different options, yet it’s important to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us