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Bank of America® Premium Rewards® credit card
On Bank of America's Website
2.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Up to 2X Reward Rate
Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Earn 1.5 points for every $1Read More
Welcome Bonus
60,000 points
Annual Fee
$95
Regular APR
20.24% - 27.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Editorial Review
Spending on travel and dining earns you 2 points per dollar, and the card comes with a nice suite of travel perks. Preferred Rewards clients score an extra 25%-75% cash back bonus.
Pros & Cons
- No foreign transaction fee
- TSA PreCheck® credit
- Visa Signature Concierge benefit
- Flexible reward redemption options
- High penalty APR
- High balance transfer fee
- High standard APR and cash advance APR
- No airport lounge perks
Card Details
- 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.
- Low $95 annual fee.
- 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.
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
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Bank of America Credit Cards of 2024
Best Secured Card With Cash Back
Bank of America® Unlimited Cash Rewards Secured Credit Card *
4.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Unlimited 1.5% Reward Rate
Earn unlimited 1.5% cash back on all purchases
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
28.24% variable
Credit Score
Bad/Poor(0 - 649)
Why We Picked It
Earns an easy-to-manage 1.5% cash back on all your spending without tracking categories or spending caps.
Pros & Cons
- Simple rewards structure is easy to manage
- Potential to graduate to an unsecured card with good payment behavior
- Free access to your FICO Score
- There are other secured cards that may earn you higher rewards.
- There’s a foreign transaction fee
- Minimum deposit of at least $200 required
Card Details
- Earn unlimited 1.5% cash back on all purchases
- Cash rewards don’t expire
- Establish, strengthen or rebuild your credit
- No annual fee
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flat-Rate Rewards for Students
Bank of America® Unlimited Cash Rewards credit card for Students
On Bank of America's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Unlimited 1.5% Reward Rate
Earn unlimited 1.5% cash back on all purchases.
Welcome Bonus
$200 bonus
Annual Fee
$0
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
Enjoy a welcome bonus, flat-rate rewards, and more than a year of intro APR on purchases and balance transfers.
Pros & Cons
- No annual fee
- Introductory APR on purchases and balance transfers
- Solid rewards earning
- Welcome bonus
- No major benefits
- High balance transfer fee
- High foreign transaction fee
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No annual fee.
- No limit to the amount of cash back you can earn 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 18.24% – 28.24% 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%.
- 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. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
No Rewards
The BankAmericard® credit card does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
Great for those who need a lengthy introductory APR offer to pay off other card balances or finance a major purchase.
Pros & Cons
- No penalty APR
- No annual fee
- No rewards program
- Foreign transaction fee
- Fee on balance transfers
Card Details
- 0% Intro APR for 18 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 16.24% – 26.24% 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%.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Maximizing Business Spending
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
On Bank of America Small Business New Account's Website
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America Small Business New Account's Website
Up to 3% Cash Back
Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cashRead More
Welcome Bonus
$300
Annual Fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Credit Score
Excellent Credit(750 - 850)
Why We Picked It
For business owners who max out the 50k annual spending on the bonus categories, the rewards are substantial for a no-annual-fee card. Preferred Rewards for Business members can make out like a bandit with the 25-75% rewards bonus. The foreign transaction fee means it’s best to keep this card at home when traveling overseas.
Pros & Cons
- Introductory APR offer on purchases
- 3% cashback rate on the spending category of your choice
- Preferred Rewards for Business members earn a 25-75% bonus
- Foreign transaction fee
- 2% and 3% bonus categories have a combined annual spending cap of $50,000
- No intro APR offer for balance transfers
Card Details
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You’ll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Students Who Want to Maximize Rewards
Bank of America® Customized Cash Rewards credit card for Students
On Bank of America's Website
4.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Choose your 3% category
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More
Welcome Bonus
$200 bonus
Annual Fee
$0
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Excellent/Good(700 - 749)
Why We Picked It
This card scores an ‘A+’ for students in need of an intro APR offer and no annual fee, while still earning impressive cash-back rewards.
Pros & Cons
- Free FICO® Score access
- Intro APR offer with a generous term
- Competitive cash-back reward rates
- Solid welcome bonus
- 3% foreign transaction fee
- Higher penalty APR applies to late payments
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
- 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 18.24% – 28.24% 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%.
- 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. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Secured Card for Spending Bonuses
Bank of America® Customized Cash Rewards Secured Credit Card *
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3% Reward Rate
Earn 3% cash back in the category of your choice: gas and EV charging, online shopping, dining, travel, drug storesRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
28.24% variable
Credit Score
New to Credit
Why We Picked It
A secured card with no annual fee and the ability to earn rewards, this Bank of America card can provide a way forward for those needing to build their credit profile.
Pros & Cons
- No annual fee
- Earns cash-back rewards on eligible purchases
- Potential for an upgrade to an unsecured card
- The rewards system can be complicated to track
- An opening deposit of $200 is required
- There’s a foreign transaction fee
Card Details
- Earn 3% cash back in the category of your choice: gas and EV charging, online shopping, dining, travel, drug stores, or home improvement & furnishings
- Earn 2% cash back at grocery stores and wholesale clubs
- Earn unlimited 1% cash back on all other purchases
- You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
- A minimum refundable security deposit of $200 (maximum of $5,000) is required to open this account
- Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
- No annual fee
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Students Who Want to Travel
Bank of America® Travel Rewards credit card for Students
On Bank of America's Website
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
1.5X Reward Rate
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees andRead More
Welcome Bonus
25,000 bonus points
Annual Fee
$0
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
Students studying abroad will pay no foreign transaction fees (and no annual fee) while earning flat-rate rewards points with flexible travel redemption options. Plus, the intro APR offer makes this a good card for any students who need to make a big purchase or move debt over from another card.
Pros & Cons
- Flexible rewards redemption options
- Unlimited 1.5 points per $1 on all spending
- No foreign transaction fee
- Easy-to-earn welcome bonus
- High balance transfer fee.
- No bonus categories to boost rewards.
- High penalty APR and late fee.
Card Details
- 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.
- 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.
- 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 18.24% – 28.24% 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%.
- 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. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Up to 3X Reward Rate
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent onRead More
Welcome Bonus
70,000 bonus miles
Annual Fee
$95
Regular APR
20.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
For West Coast frequent fliers, the Alaska Airlines card is worth a serious look. You’ll snag the prized annual Companion Fare when you spend $6,000 in the prior anniversary year, plus a free checked bag, Visa Signature benefits and other perks, which easily offset the annual fee.
Pros & Cons
- Redeem miles for flights with over 30 airline global partners
- Free checked bag on Alaska Airlines
- Annual Companion fare (earned with $6,000 or more in spending the prior anniversary year)
- No foreign transaction fees
- Limited flight options on the East Coast and in the Midwest
- Companion ticket is limited to Alaska Airlines flights
Card Details
- LIMITED TIME ONLINE OFFER – 70,000 Bonus Miles!
- Get 70,000 bonus miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
- Get Alaska’s Famous Companion Fare™ ($99 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 flights booked on alaskaair.com.
- Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
- Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
- With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
- 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.
Get 70,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Airline Lounge Access
Bank of America® Premium Rewards® Elite credit card *
3.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 2X Reward Rate
Earn 2X points per dollar spent on travel and dining purchases; Earn 1.5X points per dollar on all other purchases.
Welcome Bonus
75,000 points
Annual Fee
$550
Regular APR
20.24% - 27.24% variable
Credit Score
Excellent(750 - 850)
Editorial Review
If you value lounge access and travel perks, this card has you covered. Plus, you’ll get lifestyle credits for things like rideshares, food delivery and streaming service with select merchants. You’ll get the best deal if you’re a Preferred Rewards member, which returns a 25% to 75% bonus on all the points you earn.
Pros & Cons
- Top-notch rewards rate for those at the highest tier of Preferred Rewards
- Airline benefits including lounge access
- Up to a $150 annual lifestyle credit
- Can get the same rewards on a card with a lower annual fee
- Without Preferred Rewards, earn rate is just so-so
- No travel transfer partners
Card Details
- Receive 75,000 online bonus points — a $750 value — after you make at least $5,000 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 per $1 spent on all other purchases
- Earn up to $300 in Airline Incidental Statement Credits annually on qualifying transactions and TSA Pre✓®/Global Entry Statement Credits of up to $100, every four years
- Earn up to $150 in lifestyle statement credits annually on qualifying rideshare, food delivery, streaming service and fitness transactions at select merchants
- Receive 20% off the cost of airfare when redeeming points through the Bank of America Travel Center
- Enrolled cardholders receive 12-month Priority Pass Select membership to access airport VIP lounges worldwide
Earn 75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Simple Cash Back
Bank of America® Unlimited Cash Rewards credit card
On Bank of America's Website
3.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
1.5% Reward Rate
Earn unlimited 1.5% cash back on all purchases
Welcome Bonus
$200
Annual Fee
$0
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
The Bank of America® Unlimited Cash Rewards credit card is simple: The card offers an unlimited 1.5% cash back on all purchases, redeemable as a credit card statement credit or a deposit into an eligible Bank of America account, with no minimum redemption amount, no limit on the amount of rewards and no annual fee.
Pros & Cons
- Simple cash-back rewards
- No minimum cash-back redemptions
- Cash-back rewards do not expire as long as your account remains open
- Card can earn up to 2.62% cash back for Platinum Honors Preferred Rewards
- No annual fee
- Base cash back of 1.5% is market-lagging
- Cash back cannot be credited to an account at another bank
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn 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 18.24% – 28.24% 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%.
- 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.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Rebuilding Credit
BankAmericard® Secured credit card *
3.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The BankAmericard® Secured credit card does not earn rewards.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
26.24% variable
Credit Score
Bad/Poor(0 - 649)
Why We Picked It
While there are many credit cards designed to help you rebuild your credit, most have high annual fees and other charges. This card has no annual fee and offers a pathway to upgrade to an unsecured card with time. Also included is a free monthly credit score to help you track your progress.
Pros & Cons
- Build credit with no annual fee
- Online FICO score for free
- Pathway to upgrade to a standard unsecured card
- No penalty APR
- Minimum $200 deposit required
- 3% foreign transaction fee
- Very high APR
- No rewards program or welcome bonus
Card Details
- No annual fee
- Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
- A minimum refundable security deposit of $200 (maximum of $5,000) is required to open this account
- Your maximum credit limit will be determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established
- Now with chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries
- Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Flexible Redemption Options
Bank of America® Premium Rewards® credit card
On Bank of America's Website
2.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Up to 2X Reward Rate
Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Earn 1.5 points for every $1Read More
Welcome Bonus
60,000 points
Annual Fee
$95
Regular APR
20.24% - 27.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
Spending on travel and dining earns you 2 points per dollar, and the card comes with a nice suite of travel perks. Preferred Rewards clients score an extra 25%-75% cash back bonus.
Pros & Cons
- No foreign transaction fee
- TSA PreCheck® credit
- Visa Signature Concierge benefit
- Flexible reward redemption options
- High penalty APR
- High balance transfer fee
- High standard APR and cash advance APR
- No airport lounge perks
Card Details
- 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.
- Low $95 annual fee.
- 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.
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
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Family Pooling
Free Spirit® Travel More World Elite Mastercard® *
2.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3 points per dollar
Earn 3 points per dollar spent on eligible Spirit purchases; 2 points per dollar spent on eligible dining and groceryRead More
Welcome Bonus
50,000 bonus points
Annual Fee
$0 intro annual fee for the first year; $79 thereafter
Regular APR
20.24% - 28.24% variable
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
If you like to fly with Spirit, the Free Spirit Travel More card can make your travels a bit more comfy. With a points rebate and potential to earn higher elite status and a companion voucher, it’s best for those who dedicate a lot of their flying to the airline.
Pros & Cons
- Ability to spend towards elite status
- Anniversary spend bonus
- Zone 2 boarding
- Access to points pooling
- Annual fee after first year
- No luggage benefit
Card Details
- Earn 50,000 bonus points, plus a $100 Companion Flight Voucher after spending $1,000 in purchases within the first 90 days of account opening
- Earn 3 points per dollar spent on eligible Spirit purchases, 2 points per dollar spent on eligible dining and grocery store purchases and 1 point per dollar spent on all other purchases
- Receive a $100 companion flight voucher each anniversary after qualifying purchases
- $0 intro annual fee for the first yea; $79 thereafter
Earn 50,000 bonus points plus a $100 Companion Flight Voucher after spending $1,000 in purchases within the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Earning Rewards Where You Spend the Most
Bank of America® Customized Cash Rewards credit card
On Bank of America's Website
2.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Choose your 3% category
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
While offering solid rewards for moderate spenders, the card really shines for Bank of America Preferred Rewards clients, who get a 25%-75% boost in cashback earnings.
Pros & Cons
- Bank of America Preferred Rewards clients earn 25% to 75% more cash back
- Decent rewards earning potential
- Option to change 3% bonus category monthly
- Bonus rewards have quarterly caps
- High balance transfer fee
- Foreign transaction fee
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- 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 18.24% – 28.24% 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%.
- 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.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for International Travel
Air France KLM World Elite Mastercard® *
2.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3X Reward Rate
Earn 3 miles per $1 spent on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases; 1.5 milesRead More
Welcome Bonus
50,000 bonus miles
Annual Fee
$89
Regular APR
20.24% - 28.24% variable
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
While many airline credit cards only offer one mile per dollar spent on general purchases, the Air France KLM World Elite Mastercard® lets you earn 50% more. As part of the SkyTeam Alliance, points can be redeemed for flights on an impressive set of partner airlines. One downside is the lack of flight benefits with cardmembership — those come by earning XP points and gaining Elite status.
Pros & Cons
- Redeem points for travel on Air France, KLM and other SkyTeam partners
- Generous base earning rate
- No foreign transaction fee
- High regular APR
- The Flying Blue program often charges a lot of miles for award flights
- No flight perks included with card
Card Details
- Earn 50,000 bonus miles after spending $2,000 in purchases within the first 90 days of opening the account
- Earn 3 miles per $1 spent on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases and 1.5 miles per $1 spent on all other purchases
- Earn 5,000 miles every year on your account anniversary after spending $50 on purchases within the anniversary year
Earn 50,000 bonus miles after spending $2,000 in purchases within the first 90 days of opening the account
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for Companion Travel
Alaska Airlines Visa® Business Credit Card *
2.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3X Reward Rate
Earn 3X miles for every $1 spent directly on Alaska Airlines purchases; Earn 2X miles for every $1 spent onRead More
Welcome Bonus
50,000 bonus miles + Alaska's Famous Companion Fare™
Annual Fee
$70 for the company and $25 per card
Regular APR
21.24% - 29.24% variable APR on purchases and balance transfers
Credit Score
Excellent Credit(750 - 850)
Why We Picked It
This card is a must-have for business owners based on the West Coast or traveling there frequently on Alaska Airlines. Aside from the bonus companion fare with eligible yearly spend, what stands out are the stellar redemption values for business and first-class travel on its airline partners.
Pros & Cons
- No foreign transaction fee
- Welcome bonus includes the prized companion fare
- Exceptional mileage redemption value within its airline partner network
- Base rewards rate is only 1 mile per $1 spent
- No status-related perks
- No intro APR offer
- Alaska’s flight hubs are all on the West coast
Card Details
- Earn 50,000 bonus miles and Alaska’s Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) after spending $3,000 or more in purchases within the first 90 days of opening your account
- Earn another Alaska’s Famous Companion Fare™ each year on your credit card account anniversary after spending $6,000 or more on purchases within the anniversary year
- Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases
- Free checked bag on Alaska flights for you and up to six guests on the same reservation
- Earn 20% back on all Alaska Airlines inflight purchases paid with the card
Earn 50,000 bonus miles and Alaska's Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) after spending $3,000 or more in purchases within the first 90 days of opening your account
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Earning Unlimited Travel Rewards
Bank of America® Travel Rewards credit card
On Bank of America's Website
2.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
1.5x Rewards Rate
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees andRead More
Welcome Bonus
25,000 points
Annual Fee
$0
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
The Bank of America® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. And since it has no foreign transaction fees, it’s also a great card to use when traveling.
Pros & Cons
- Earn unlimited rewards
- Bank of America Preferred Rewards clients earn 25%-75% more points on every purchase
- No foreign transaction fees
- No bonus categories to boost reward earnings
- APR can be high, depending on creditworthiness
Card Details
- 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.
- 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.
- 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 18.24% – 28.24% 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%.
- 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.
- 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.
25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Allegiant Flyers
Allways Rewards Visa® Credit Card *
2.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3X Reward Rate
Earn 3 points per dollar spent on Allegiant purchases; 2 points per dollar spent on qualifying dining purchases; and 1Read More
Welcome Bonus
15,000 Bonus Points Online Offer
Annual Fee
$59
Regular APR
20.24% - 28.24% variable APR on purchases and balance transfers
Credit Score
Excellent/Good(700 - 749)
Why We Picked It
Allegiant flies to many vacation destinations, and the Allways Rewards Visa can boost your points balance toward your next award trip. The buy-one-get-one perk for free airfare on qualifying vacation packages can make the annual fee worthwhile if you’ll use it.
Pros & Cons
- The Allways Rewards Visa Credit Card offers the ability to earn Allways points, which can be redeemed at Allegiant.com
- Priority boarding and one complimentary beverage every time you fly Allegiant and show your card
- Earn buy one, get one free airfare when you use the Allways Rewards Visa Credit Card to purchase a vacation package from Allegiant with four or more hotel nights or seven or more car rental days on the same itinerary
- Fees such as checked and even carry-on bag fees still apply to cardholders
- Low earning rate on the majority of purchase categories
- Annual fee is not waived the first year
Card Details
- Earn 15,000 bonus points after spending $1,000 in purchases within the first 90 days of account opening
- Earn 3 points per $1 on Allegiant purchases (air, hotel, car rental and attractions)
- Earn 2 points per $1 on qualifying dining purchases
- Earn 1 point per $1 on all other purchases
Earn 15,000 Bonus Points after spending $1,000 in purchases within the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.