Best Bank of America Credit Cards [March 2026]
14 active cards • Updated March 2026
All Bank of America Credit Cards Ranked
Showing all 14 active Bank of America cards. Annual fees range from $0 to $550 — 7 cards have no annual fee.
Card details are subject to change. Verify rates and fees with Bank of America before applying.
Bank of America Credit Cards Comparison
| Card | Annual Fee | Best Rate | Signup Bonus | Best For |
|---|---|---|---|---|
| Premium Rewards | $95/yr | Up to 2x | $600 | General rewards |
| Premium Rewards Elite | $550/yr | Up to 2x | — | General rewards |
| Atmos Rewards Summit | $395/yr | Up to 5x | — | General rewards |
| Atmos Rewards Ascent | $95/yr | Up to 4x | — | General rewards |
| Atmos Rewards Business | $95/yr | Up to 4x | — | General rewards |
| Air France KLM | $89/yr | Up to 3x | — | General rewards |
| Free Spirit | $79/yr | Up to 3x | — | General rewards |
| Business Advantage Customized Cash | No fee | Up to 3x | — | General rewards |
| Business Advantage Travel Rewards | No fee | Up to 3x | — | General rewards |
| Business Advantage Unlimited Cash | No fee | 1.5x | — | General rewards |
| Unlimited Cash Rewards | No fee | 1.5x | — | General rewards |
| Platinum Plus | No fee | 1.0x | — | General rewards |
| Customized Cash Rewards | No fee | Up to 3x | — | General rewards |
| Travel Rewards | No fee | 1.5x | — | General rewards |
How to Maximize Bank of America Rewards
- Bank of America Preferred Rewards members earn 25-75% more rewards on every purchase.
- BankAmericard cards offer some of the longest 0% APR intro periods available.
- Bank of America travel cards include no foreign transaction fees and travel benefits.
Frequently Asked Questions
What is the best Bank of America credit card?
The best Bank of America card depends on your spending habits. Frequent travelers should look for bonus categories matching their spending; everyday spenders benefit most from flat-rate rewards.
How do I apply for a Bank of America credit card?
Visit Bank of America's official website or use the apply links above. Most applications return a decision within 60 seconds. You may need to call to reconsider a denial.
What credit score do I need for a Bank of America card?
Most Bank of America rewards cards require good to excellent credit (670+). Premium cards typically require 740+. No-annual-fee and secured cards may be available for lower scores.
Does Bank of America do a hard pull on my credit?
Yes. All credit card applications result in a hard inquiry which may temporarily lower your credit score by a few points.
How do I redeem Bank of America rewards?
Redeem through your card's online account or mobile app. Options include statement credits, direct deposit, travel bookings, gift cards, or transfers to partner programs depending on your card.