Bank of America Credit Cards - Offers of December 2025

Best for Bank of America customers

Bank of America® Unlimited Cash Rewards credit card

3.6

Bankrate review

Apply now

on Bank of America's secure site

Good to Excellent (670 – 850)

Recommended Credit

$200

Intro offer

1.5% - 2%

Rewards rate

Annual fee

17.74% - 27.74% Variable APR on purchases and balance transfers

Regular APR

- 2% Earn 2% cash back on all purchases for the first year from account opening
- 1.5% Earn 1.5% cash back on all purchases after the first year from account opening
“If I find a good BankAmeriDeal, I’ll use this card for extra cash back. It also pairs nicely with other Bank of America products.” – Harlan Vaughn, Bankrate credit cards senior editor
Learn more: Bank of America Unlimited Cash Rewards benefits guide
Alternatives: If you don’t qualify for Bank of America’s boosted cash back rates, the Wells Fargo Active Cash® Card may be your best choice for earning flat-rate cash rewards on general spending.
Pros

Bank of America Preferred Rewards® members can boost their cash rewards earnings by 25 to 75 percent, greatly increasing the card’s rewards potential.

The card offers additional features with its intro APR on purchases and balance transfers.

Cons

This card is light on benefits and perks compared to other cash back cards.

The lowest tier for a boosted cash back rate requires at least a $20,000 average balance across qualifying accounts, which may be hard to reach for many people.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- 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 17.74% - 27.74% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for savers

Good to Excellent (670 – 850)

Recommended Credit

60,000 points

Intro offer

$600

Offer valuation

1.5X - 2X

Rewards rate

$95

Annual fee

19.74% - 27.74% Variable APR on purchases and balance transfers

Regular APR

- 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
- 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.
“The Bank of America Premium Rewards card is my go-to cash rewards card for all-around spending. I turbocharge the gains by 75 percent by being part of Bank of America’s preferred client program, making this a perfect card for any non-specialized spending category. It’s also great for international travel, since it doesn’t charge foreign transaction fees.” – James Royal, Ph.D., Bankrate investing and wealth management principal writer

Learn more: The Bank of America Premium Rewards Card benefits guide

Alternatives: The Chase Sapphire Preferred® Card may be a better alternative since you’ll get many of the same travel perks and protections for the same annual fee, but it has more valuable points.
Pros

The annual fee is easy to offset with statement credits for airline incidentals.

Having Preferred Rewards status can significantly boost this card’s earning power.

Cons

You won’t get a break on interest charges if you carry a balance since it doesn’t have intro APR offers on purchases or balance transfers.

To get the most out of this card, you need to have eligible savings or investment accounts with Bank of America or Merrill Lynch.
- 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.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
- 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 the Bank of America Travel Center.
- 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 online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for flexible cash back

Bank of America® Customized Cash Rewards credit card

3.8

Bankrate review

Apply now

on Bank of America's secure site

Good to Excellent (670 – 850)

Recommended Credit

$200

Intro offer

1% - 6%

Rewards rate

Annual fee

17.74% - 27.74% Variable APR on purchases and balance transfers

Regular APR

- 6% Earn 6% cash back for the first year in the category of your choice.
- 3% Earn 3% cash back after the first year from account opening in your choice category.
- 2% Earn 2% cash back at grocery stores and wholesale clubs. 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. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- 1% Earn 1% cash back on all other purchases.
“The Bank of America Customized card lets me focus and supercharge my cash rewards, particularly on the categories where I spend the most — groceries and restaurants. I also use the Bank of America preferred client plan to juice those rewards by a further 75 percent — giving me the highest regular cash rewards on these specialized categories.” – James Royal, Ph.D., investing and wealth management principal writer

Learn more: Is the Bank of America Customized Cash Rewards credit card worth it?

Alternatives: This card’s cash back limits may hold you back compared to other cards’ reward programs. Heavy spenders may earn more with a card that offers an unlimited flat rewards rate on all purchases, such as the Citi Double Cash® Card.
Pros

You can swap your choice category once per calendar month to maximize rewards based on your spending habits.

It’s one of the few cards that earn bonus rewards year-round at both grocery stores and wholesale clubs (a hard-to-find bonus category).

Cons

The spending cap on your highest earning categories could hamper your earning potential.

It carries a high sign-up bonus spending requirement (twice as high as some rivals in the cash back card category).
- Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. 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.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 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 17.74% - 27.74% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for Alaska lounge access

Good to Excellent (670 – 850)

Recommended Credit

Limited time online offer – 80,000 bonus points + a 25,000-point Global Companion Award

Intro offer

$800

Offer valuation

1 point - 3 points

Rewards rate

$395

Annual fee

19.74% - 27.74% Variable APR on purchases and balance transfers

Regular APR

- 3 points Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases.
- 1 point Earn unlimited 1 point per $1 spent on all other purchases.
This card offers a solid mix of practical perks that should make it easily worth it if you travel with Alaska Airlines and its partners. Along with the eight Alaska lounge passes each year (two per calendar quarter), the card’s Global Companion Award can offer tremendous value for frequent travelers.
Learn more: Alaska Airlines travel partners
Alternatives: If you rent, the Bilt Mastercard could be a solid alternative since it not only earns rewards on rent, dining and travel, but also features a robust list of airline and hotel transfer partners, including Alaska Airlines.
Pros

The card is easily worth it if you take advantage of perks like the companion fare.

You can use Atmos points across oneworld travel partners, so you shouldn’t have trouble redeeming rewards for both domestic and international flights.

Cons

You only get 2 Alaska lounge passes per calendar quarter and passes expire at the end of the quarter, so the perk may disappoint if you often travel with more than one person.

The Global 100k Companion Award, though generous, requires $60,000 or more on purchases each anniversary year, which may put it out of reach for many cardholders.
- Limited time online offer – 80,000 bonus points!
- Earn 80,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $4,000 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 every calendar year (2 per quarter) – a $520 value.
- 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.
- Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
- Receive an airport security 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 online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Best for low-cost Companion Fare

Good to Excellent (670 – 850)

Recommended Credit

Limited time online offer – 60,000 bonus points + a 30% global flight discount code

Intro offer

$660

Offer valuation

1 point - 3 points

Rewards rate

$95

Annual fee

19.74% - 27.74% Variable APR on purchases and balance transfers

Regular APR

- 3 points Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases.
- 2 points Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases.
- 1 point Earn unlimited 1 point per $1 spent on all other purchases.
Though this card doesn’t carry a ton of perks, it can still be a great deal if you’re able to score the Companion Fare, which could save you a couple hundred dollars on its own. Plus, you can get a 10 percent rewards bonus if you have an eligible Bank of America® account.
Learn more: Pros and cons of travel credit cards
Alternatives: The Atmos™ Rewards Summit Visa Infinite® Credit Card may be a better value overall for frequent travelers thanks to its much longer list of perks, including eight Alaska Lounge passes per year (2 per calendar quarter), Global Entry or TSA Check credits, flight Wi-Fi passes and more.
Pros

The Annual $99 Companion Fare (plus taxes and fees from $23) should be relatively easy to earn if you put a decent chunk of your travel and everyday spending on the card.

If you frequently fly Alaska Airlines or Hawaiian Airlines, the card can easily be worth it based on the value of the complimentary checked bag perk alone.

Cons

It has fewer perks and less flexibility than some other mid-tier travel cards. Many offer benefits like a credit for TSA PreCheck and more point transfer options.

The welcome offer has a relatively high spending requirement.
- Limited time online offer – 60,000 bonus points + a 30% global flight discount code.
- Receive a 30% global flight discount code for a qualifying future flight after opening your new account. Additionally, earn 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 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.
- Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare 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 online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Best for intro APR

Good to Excellent (670 – 850)

Recommended Credit

25,000 points

Intro offer

$250

Offer valuation

1.5X - 3X

Rewards rate

Annual fee

17.74% - 27.74% Variable APR on purchases and balance transfers

Regular APR

- 3X Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
“I applied for this card shortly ahead of a family reunion in Italy, knowing I'd spend enough on the trip to get the bonus points and not have to worry about any foreign transaction fees. I don't travel very much, so I was happy to learn that those points wouldn't ever expire, and I wouldn't have to pay an annual fee on an account I wasn't charging often. At the time I was a Preferred Rewards member, too, which meant I'd get additional bonus points. I love extra perks like that.” – Suzanne De Vita, Bankrate home lending senior editor

Learn more: Bank of America Travel Rewards guide

Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.
Pros

Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.

No annual fees or foreign transaction fees sweeten this offer.

Cons

It only offers elevated rewards rates on travel booked directly through Bank of America, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.

The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
- 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 all 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 the Bank of America Travel Center.
- 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 17.74% - 27.74% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best student card bonus

Good to Excellent (670 – 850)

Recommended Credit

25,000 points

Intro offer

1.5X - 3X

Rewards Rate

Annual fee

17.74% - 27.74% Variable APR on purchases and balance transfers

Regular APR

- 3X Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
What we love: Starter cards aren’t known for having stellar welcome offers, but this card’s sign-up bonus is worth even more than the bonuses you’ll find on some of the best no-annual-fee cards. The waived foreign transaction fee also makes this card one of the best picks for students traveling or studying abroad.

Welcome offer:Value: $250 per Bankrate valuations (25,000 online points)Required spending: $1,000Spend time frame: First 90 daysReturn on spend: 25%
Alternatives: The Bank of America® Unlimited Cash Rewards credit card for Students provides similar features and sign-up bonus rewards, but its flat 1.5 percent cash back rate may be a better fit if you don’t plan on traveling much.
Pros

You can redeem points for a remarkable variety of travel purchases — even from 12 months ago.

Students with enough savings could enjoy one of the best flat rewards rates via Preferred Rewards.

Cons

Points are worth 0.6 cents apiece toward cash, so a cash back card may be better if you don’t travel often.

It doesn’t have any notable student or travel perks, but some rivals offer travel insurance or rideshare credits.
- 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 all 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 the Bank of America Travel Center.
- 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 17.74% - 27.74% 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 4%. 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.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

* The information about the Bank of America® Customized Cash Rewards Credit Card for Students has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Compare Bankrate's best Bank of America credit cards

Card Name	Our pick for	APR	Bankrate Review Score
Bank of America® Travel Rewards credit card	Travel beginners	Regular APR: 17.74% - 27.74% Variable APR on purchases and balance transfers	4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Bank of America's secure site
Bank of America® Customized Cash Rewards credit card	Category variety	Regular APR: 17.74% - 27.74% Variable APR on purchases and balance transfers	3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Bank of America's secure site
Bank of America® Premium Rewards® credit card	Premium benefits	Regular APR: 19.74% - 27.74% Variable APR on purchases and balance transfers	4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Bank of America's secure site
Bank of America® Unlimited Cash Rewards credit card	Cash back	Regular APR: 17.74% - 27.74% Variable APR on purchases and balance transfers	3.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Bank of America's secure site
Bank of America® Travel Rewards credit card for Students	Students	Regular APR: 17.74% - 27.74% Variable APR on purchases and balance transfers	3.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Bank of America's secure site
BankAmericard® Credit Card	Balance transfers	Regular APR: 14.74% - 24.74% Variable APR on purchases and balance transfers

Bank of America® credit cards of December 2025

+ Show Summary

Bank of America® Unlimited Cash Rewards credit card

Bank of America® Premium Rewards® credit card

Bank of America® Customized Cash Rewards credit card

Atmos™ Rewards Summit Visa Infinite® Credit Card

Atmos™ Rewards Ascent Visa Signature® Credit Card

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card for Students

Compare Bankrate's best Bank of America credit cards