Best Bank of America Credit Cards (2026)
Bank of America credit cards shine for Preferred Rewards members, who earn up to 75% more on every purchase. The Customized Cash Rewards card lets you pick your highest-earning category each month.
Up to 75% rewards boost for Preferred Rewards members
Customizable cash back category changed monthly
Travel Rewards card earns unlimited 1.5x on all purchases
Top Pick
Air France KLM World Elite Mastercard
Spend $3,000 in 3 months
More Bank of America Cards
Atmos Rewards
Atmos Rewards Summit
100,000 points bonus · ~$1000 value
Atmos Rewards
Atmos Rewards Ascent
85,000 points bonus · ~$850 value
Bank of America Travel Rewards
Bank of America Premium Rewards
60,000 points bonus · ~$600 value
Free Spirit
Free Spirit Travel More World Elite Mastercard
65,000 points bonus · ~$150 value
Free Spirit
Free Spirit Travel World Mastercard
10,000 points bonus · ~$30 value
Atmos Rewards
Atmos™ Rewards Visa Signature® Business Card
70,000 points bonus · ~$11 value
Bank of America Travel Rewards
Bank of America® Premium Rewards® Elite Credit Card
75,000 points bonus · ~$8 value
Bank of America Cash Rewards
Bank of America Business Advantage Customized Cash Rewards Mastercard
$500 statement credit · ~$5 value
Allways Rewards
Allways Rewards Visa Card
40,000 points bonus · ~$4 value
Bank of America Cash Rewards
Bank of America Business Advantage Unlimited Cash Rewards Mastercard
$500 statement credit · ~$3 value
Bank of America Travel Rewards
Bank of America Travel Rewards
$500 statement credit · ~$2 value
Bank of America Cash Rewards
Bank of America Unlimited Cash Rewards
$200 statement credit · ~$2 value
Bank of America Cash Rewards
Bank of America Customized Cash Rewards
$200 statement credit
Bank of America Travel Rewards
Bank of America Business Advantage Travel Rewards World Mastercard
50,000 points bonus
Bank of America Cash Rewards
Bank of America Platinum Plus Mastercard Business
$300 statement credit
Not sure which Bank of America card is right for you?
Compare side by side →Frequently Asked Questions
What is the best Bank of America credit card?
The Air France KLM World Elite Mastercard is currently the top-rated Bank of America card, offering a $89/yr annual fee and a strong welcome offer for new cardholders.
Does Bank of America have a credit card with no annual fee?
Yes — the Free Spirit Travel World Mastercard has no annual fee and earns 1x base rewards on purchases.
What credit score do you need for a Bank of America card?
Most Bank of America credit cards require good to excellent credit (typically 670+). Premium travel cards like the Atmos Rewards Summit generally require a score of 720 or higher for the best approval odds.
What rewards do Bank of America credit cards earn?
Up to 75% rewards boost for Preferred Rewards members
Are Bank of America credit card points worth it?
Bank of America points and miles offer strong value, especially when redeemed for travel. Up to 75% rewards boost for Preferred Rewards members
How do I apply for a Bank of America credit card?
You can apply directly through https://www.bankofamerica.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.
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