In our opinion, Bank of America credit cards are some of the most wide-ranging in the US, 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 US by assets.
Since Bank of America offers such a huge variety of credit cards, I have narrowed this down to their 3 most popular cards for people with excellent credit, and summarized their most important features. You can request 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.
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 cash reward bonus after you make at least $500 in purchases in the first 90 days of account opening (this offer is online-exclusive). As for cash rewards, you will receive 2% cash back at grocery stores and 3% cash back on gas on the first $1,500 you spend on combined grocery store 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. Bank of America customers will get a 10% customer bonus each time they redeem cash back into a Bank of America® checking or savings account. You’ll enjoy 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days. After that, the variable APR for purchases and balance transfers is 12.99%-22.99%. Balance transfer fees equal 3% of each transaction (minimum $10). See terms and conditions for fees that apply to other transaction types. See Terms.
Read our review of the BankAmericard Cash Rewards™ credit card.
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 10,000 bonus points if you use your new credit card account to make at least $500 in purchases within 90 days of the account open date (this is an online exclusive offer). 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. 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. You’ll enjoy 0% introductory APR on purchases for the first 12 billing cycles. After the first 12 billing cycles, the variable APR for purchases is 14.99% - 22.99%. 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). See Terms.
Read our review of the BankAmericard Travel Rewards® credit card.
BankAmericard® Visa® Card. This is the card to get if you want a 0% intro APR on purchases and qualifying balance transfers for the longest period of time of all of the BankAmericard cards. You’ll enjoy 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days. After that, the variable APR for purchases and balance transfers is 10.99% - 20.99%. Balance transfer fees equal 3% of each transaction (minimum $10). See their terms and conditions for fees that apply to other transaction types. This card also comes with a $0 Liability Guarantee so you won't be responsible for fraudulent purchases made with your card. Chip technology provides better security when you use your card at chip-enabled terminals. No annual fee. See Terms.
Read our review of the BankAmericard® Visa® card.