Looking for the right Bank of America credit card? The lineup covers flat-rate cash back, customizable categories, travel points, a long 0% intro APR, and a secured card for building credit. The trick is matching the card to how you actually spend.
Here is every major Bank of America consumer card, with numbers current as of July 2026.
Bank of America Credit Card Lineup at a Glance
| Card | Annual fee | Rewards | Welcome offer (as of July 2026) |
|---|---|---|---|
| Customized Cash Rewards | $0 | 3% choice category, 2% grocery and wholesale clubs, 1% else | $200 after $1,000 in 90 days |
| Unlimited Cash Rewards | $0 | 1.5% on everything | $200 after $1,000 in 90 days |
| Travel Rewards | $0 | 1.5 points per $1 | 25,000 points after $1,000 in 90 days |
| Premium Rewards | $95 | 2x travel and dining, 1.5x else | 60,000 points after $4,000 in 90 days |
| Premium Rewards Elite | $550 | 2x travel and dining, 1.5x else | 75,000 points after $5,000 in 90 days |
| BankAmericard | $0 | No rewards | 0% intro APR for 21 billing cycles |
All of these cards are issued by Bank of America, N.A., and most run on the Visa network, so they work anywhere Visa is accepted. Offers rotate, so confirm terms before you apply.
Cash Back: Customized Cash vs. Unlimited Cash
The Customized Cash Rewards card is the flexible pick. You earn 3% in a category you choose (gas and EV charging, online shopping, dining, travel, drug stores, or home improvement), plus 2% at grocery stores and wholesale clubs. The 3% and 2% rates apply to your first $2,500 in combined choice-category, grocery, and wholesale purchases each quarter, then drop to 1%.
The Unlimited Cash Rewards card keeps it simple: a flat 1.5% on every purchase, no caps, no categories to track. As of July 2026, Bank of America has also been advertising first-year rate boosts for new cardholders, so check the current offer page.
Both cards charge no annual fee, and each offers a $200 online cash rewards bonus after $1,000 in purchases in the first 90 days, as of July 2026. Both also carry a 3% foreign transaction fee.
Travel Cards: Three Levels
The no-annual-fee Travel Rewards card earns 1.5 points per $1 on everything. Points are worth 1 cent each as statement credits against travel and dining purchases, and the current bonus is 25,000 points (a $250 value) after $1,000 in purchases in 90 days. There is no foreign transaction fee.
The Premium Rewards card ($95 annual fee) earns 2 points per $1 on travel and dining and 1.5 points on everything else. As of July 2026, the welcome offer is 60,000 points (worth $600) after $4,000 in purchases in 90 days. It adds up to $100 per year in airline incidental credits plus a Global Entry or TSA PreCheck credit every four years, which can more than offset the fee.
The Premium Rewards Elite ($550 annual fee) keeps the same earn rates and adds 75,000 bonus points after $5,000 in 90 days, $300 in annual airline incidental credits, $150 in annual lifestyle credits, Priority Pass airport lounge access, and 20% savings on airfare booked with points, as of July 2026.
BankAmericard: The 0% Intro APR Specialist
No rewards, one job. The BankAmericard offers a 0% intro APR for 21 billing cycles on purchases and on balance transfers made within the first 60 days, as of July 2026. After that, a variable APR of 14.99% to 25.99% applies, and there is no annual fee and no penalty APR.
A balance transfer fee applies (3% for transfers in the first 60 days, then 4%, as of July 2026). That window is one of the longest from a major bank, making this a strong debt-paydown tool. Just build a payoff plan before the clock runs out.
Building Credit: The Secured Option
Bank of America also offers a secured version of the Customized Cash Rewards card. You provide a refundable security deposit (starting around $200, as of July 2026), earn the same 3/2/1 cash back structure, and pay no annual fee.
Bank of America reviews secured accounts periodically. With consistent on-time payments, you may graduate to an unsecured card and get your deposit back.
BofA Rewards Can Boost Earnings Up to 75%
This program is the lineup's real superpower. In May 2026, Bank of America replaced its Preferred Rewards program with BofA Rewards, which boosts credit card rewards based on your combined Bank of America banking and Merrill investment balances:
- Member: 10% rewards boost
- Preferred Plus: 25% boost (starting around $20,000 in combined balances)
- Preferred Honors: 50% boost (around $100,000)
- Premier: 75% boost (around $1 million)
The top 75% tier now requires roughly $1 million in combined balances, a big jump from the old $100,000 threshold, while $100,000 now earns 50%. Even a 50% boost turns the Unlimited Cash card's 1.5% into 2.25% on everything, which beats most flat-rate cards anywhere.
What Credit Score Do You Need?
Bank of America's rewards cards generally target good to excellent credit, which usually means a score around 690 or higher. Every application triggers a hard inquiry, and approval depends on your full profile, including income and existing debt. APRs vary by creditworthiness, and terms and conditions apply.
If Approval Is a Concern, Start Smaller
If your score is not there yet, applying costs you a hard inquiry with little chance of approval. A smarter path is a card designed for thinner credit, used lightly for six to twelve months.
The Aspire® Cash Back Rewards Mastercard is an unsecured card for less-than-perfect credit that still earns cash back, with no security deposit required — the on-time history it builds is exactly what Bank of America's rewards cards want to see. Read our full Aspire Mastercard review for the details.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Prefer to avoid a hard credit check at all? The Perpay Credit Card builds payment history through purchases repaid from your paycheck, reporting to the major bureaus as you go — no security deposit and no credit score required to start.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
A third no-deposit option: the Arro Card skips the hard credit check entirely, starts you at up to $300 with growth to $2,500 as you complete in-app tasks, and pays 1% back on gas and groceries.
Terms apply to each, and no approval is guaranteed.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
Frequently Asked Questions
Which Bank of America credit card is best for cash back?
The Customized Cash Rewards card pays more if you spend heavily in one category, like online shopping or gas. The Unlimited Cash Rewards card wins for simple flat-rate earning, especially with a BofA Rewards boost.
What credit score do you need for a Bank of America credit card?
Most of the bank's rewards cards target good to excellent credit, typically around 690 or higher. The secured Customized Cash Rewards card is the realistic option for lower scores.
Do Bank of America credit cards charge foreign transaction fees?
The Travel Rewards, Premium Rewards, and Premium Rewards Elite cards charge no foreign transaction fee. The cash back cards and BankAmericard charge 3%, so choose a credit card for international travel when spending abroad.
Is the Bank of America welcome bonus worth it?
As of July 2026, the cash back cards offer $200 after $1,000 in purchases in 90 days, and the travel cards offer 25,000 to 75,000 points. Those are competitive offers, as long as the spending requirement fits your normal budget.
The Bottom Line
Bank of America's lineup rewards loyalty above all. Pick Customized Cash or Unlimited Cash for everyday spending, a Premium Rewards card if you travel, or the BankAmericard for 21 billing cycles of breathing room on a balance. If your credit is not ready, build it first with a starter card, then come back for the bonus.
