Best Bank of America credit cards

When it comes to credit cards, you’ve got a choice. Do you want top-tier travel rewards earnings, or more cash back for every dollar spent? Are you looking to maximize small business spending, or make travel less expensive for employees? Bank of America makes it easy to get the bonuses and benefits you want when you want them with a host of credit options. The challenge? Picking your perfect fit.

Our team has compiled the list below of the best credit cards for Bank of America.

Best Bank of America credit card for flat-rate travel rewards: Bank of America® Travel Rewards Visa® credit card

Bank of America® Travel Rewards Visa® credit card
Bank of America® Travel Rewards Visa® credit card
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.

Why it’s the best

Get travel rewards your way with 1.5 points for every dollar you spend with the Bank of America® Travel Rewards Visa® credit card. Your points won’t expire, and they can be redeemed for statement credit anytime — you’re not limited to specific websites or booking programs that have blackout dates and restrictions. Instead, you’re free to book how, when and where you want to get the trip you deserve. Plus, you can earn even more points with Preferred Rewards. Based on your combined Bank of America account balances, you could earn up to 2.62 points for every purchase.

Bonus points:

  • Get 25,000 bonus points by spending at least $1,000 on purchases in the first 90 days after account opening. Redeem these points for a $250 statement credit toward any travel purchases.
  • Enjoy 0% APR on purchases for the first 12 billing cycles, letting you earn maximum rewards points without worrying about interest charges. After that, the variable APR will be 16.49% – 24.49%.

Best Bank of America credit card for all-around travel: Bank of America® Premium Rewards® Visa® credit card

Bank of America® Premium Rewards® Visa® credit card
Bank of America® Premium Rewards® Visa® credit card
Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.

Why it’s the best

If travel is your priority, the Bank of America®Premium Rewards® Visa® credit card can help get you where you’re going — faster. Earn two points for every dollar you spend on travel and dining purchases, plus 1.5 points for your dollars spent on everything else. There are no point limits and your points don’t expire. You can also redeem points as cash back into your Bank of America checking or savings account, a statement credit or gift cards and other rewards through the Bank of America Travel Center.

Bonus points:

  • Grab 50,000 points when you spend $3,000 or more in the first 90 days after account opening.
  • Enjoy $200 in travel statement credit rewards — $100 annually for qualifying purchases such as seat upgrades and baggage fees, and $100 toward TSA PreCheck or Global Entry applications every four years.
  • Visa Signature Hotel Collection and Concierge access provide premium hotel benefits and trip-planning advice.

Best Bank of America credit card for ultra-low-budget travelers: Spirit Airlines World Mastercard®

Why it’s the best

Traveling doesn’t have to break the bank — make the most of your miles with the Spirit Airlines World Mastercard® from Bank of America. You get two miles for every $1 spent on every purchase; flight redemptions start from as low as 2,500 miles, and there are no blackout dates on any reward tickets. Cardholders also enjoy a $0 annual fee for their first year and just $59 after that.

Bonus points:

  • Make your first purchase and get 15,000 reward miles. Spend at least $500 in the first 90 days after account opening and get another 15,000 miles to help shorten the time until your next trip.
  • Get 5,000 bonus Free Spirit miles every year when you spend at least $10,000 in purchases annually.

Best Bank of America credit card for flexible cash rewards: Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card
Bank of America® Cash Rewards credit card
No annual fee.

Why it’s the best

Streamline your cash back earning with flexible rewards. The Bank of America® Cash Rewards credit card offers 3% cash back up to $2,500 in whatever category you choose each quarter. Options include home improvement/furnishings, travel, drug stores, dining, online shopping or gas stations. Plus, you get 2% cash back at grocery stores and wholesale clubs, and 1% on everything else.

Worth noting? There’s some maintenance required to maximize your cash back if your spending habits change. Use the Bank of America Online Banking or Mobile Banking app to change your category once each calendar month as needed; otherwise, your category stays the same.

Bonus points:

  • If you spend at least $1,000 in the first 90 days, you get $200 cash back for statement credits or direct deposits.
  • With 0% APR on any purchases made in the first 15 months and balance transfers in the first 60 days after opening, it’s easy to start earning rewards before paying interest. After that, the variable APR will be 15.49%- 25.49%.

Best Bank of America credit card for flexible business bonus categories: Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don't expire.

Why it’s the best

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card lets you earn reliable cash back on regular purchases and maximize your small business cash back with flexible bonus categories. Everyday purchases earn 1% unlimited cash back, dining gets you 2% and you enjoy 3% cash back in the category you choose. Options include business consulting services, computer services, TV/telecom and wireless services, travel, office supply stores and gas stations.

You can change categories once each calendar month through the Bank of America Mobile Banking or Online app. After spending $50,000 in combined dining/flexible category purchases each year, you earn 1% cash back.

Bonus points:

  • With no annual fee and 0% APR on purchases in the first nine months, this card helps you get your business up and running while earning cash back. After that, the variable APR will be 13.74% – 23.74%.
  • Enjoy $300 in statement credits after you spend at least $3,000 in net purchases within 90 days of account opening.

Best Bank of America credit card for everyday business expenses: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.

Why it’s the best

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card goes the extra mile for your business, letting you earn 1.5 points for every dollar you spend and 3x points for travel bookings through the Bank of America® Travel Center. Points never expire, and you can redeem them for business-related flights and hotel bookings — or reward yourself with a much-needed vacation.

Bonus points:

  • Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases.
  • With no annual fees, no international transaction fees and no blackout dates, this card makes it easy to boost your business travel budget.

Doug Bonderud

An award-winning finance, technology and security writer, Doug has a knack for distilling complex concepts down into actionable, readable copy that generates interest and drives engagement