Consumers will have to hold specific credit cards from Bank of America to cash in on its credit card deals for the holidays.

With the BankAmericard Cash Rewards card, customers earn 2 percent cash back on groceries and 3 percent cash back on gas station purchases up to $1,500 per quarter. They earn 1 percent cash back on all other purchases made with the card. New customers qualify for $50 in bonus cash back when they spend $100 within 60 days of opening the account.

With the Upromise World MasterCard credit card from Bank of America, consumers can earn 11 percent cash back for college when doing their holiday shopping online through Upromise.com through Dec. 31.

That 11 percent cash-back holiday promotion is in addition to cash-back offers of 10 percent or more available online from Upromise retail partners such as Best Buy, Target, Gap, Nordstrom and Apple, according to a press release from Sallie Mae for Upromise.

Spokeswoman Betty Riess says Bank of America is offering select cardholders an opportunity to earn bonus points or cash back on purchases made at toy stores, department stores, electronics stores, sporting goods stores and book stores through Dec. 31.