Last updated: May 2026
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5.0
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
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on Bank of America's application
BankAmericard® credit card
Welcome Bonus
N/A
Rewards Rate
N/A
Annual Fee
$0
Recommended Credit Score
Regular APR
14.99% - 25.99% Variable
Intro APR
0% Intro APR for 21 billing cycles
Summary
Editor's Review
Card Features
Pros & Cons
The BankAmericard is a no-frills credit card designed mainly for balance transfers and financing large purchases, offering one of the longest 0% intro APR periods available. It’s a strong choice if you're focused on paying down debt while avoiding interest, especially with no annual fee and no penalty APR. However, it lacks rewards, making it best used alongside a rewards card once the intro period ends.
4.8
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Bank of America's application
Bank of America® Customized Cash Rewards Credit Card
Welcome Bonus
$200 cash rewards bonus offer
Rewards Rate
1%-6%
Annual Fee
$0
Recommended Credit Score
Regular APR
17.49%-27.49% Variable
Intro APR
0% Intro APR for 15 billing cycles for purchases
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
6%
Earn 6% cash back for the first year in the category of your choice.
3%
Earn 3% cash back after the first year from account opening in your choice category.
2%
Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
1%
Earn 1% cash back on all other purchases.
4.7
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Bank of America's application
Bank of America® Travel Rewards Credit Card
Welcome Bonus
25,000 points offer
Rewards Rate
1.5x-3x
Annual Fee
$0
Recommended Credit Score
Regular APR
17.49%-27.49% Variable
Intro APR
0% Intro APR for 15 billing cycles
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
3X
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
1.5X
Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
4.6
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Bank of America's application
Bank of America® Premium Rewards® Credit Card
Welcome Bonus
60,000 points offer
Rewards Rate
1.5x-2x
Annual Fee
$95
Recommended Credit Score
Regular APR
19.49%-27.49% Variable
Intro APR
N/A
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
2x
Earn unlimited 2 points for every $1 spent on travel and dining purchases.
1.5x
Earn unlimited 1.5 points for every $1 spent on all other purchases.
4.4
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Bank of America's application
Bank of America® Unlimited Cash Rewards Credit Card
Welcome Bonus
$200 cash rewards bonus offer
Rewards Rate
1.5%-2%
Annual Fee
$0
Recommended Credit Score
Regular APR
17.49%-27.49% Variable
Intro APR
0% Intro APR for 15 billing cycles
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
2%
Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
1.5%
Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
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Editorial Reviews
