Featured Partner Offer
Bank of America® Premium Rewards® credit card
On Bank of America's Website
4.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Up to 2X Reward Rate
Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Earn 1.5 points for every $1Read More
Welcome Bonus
60,000 points
Annual Fee
$95
Regular APR
21.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Editorial Review
Spending on travel and dining earns you 2 points per dollar, and the card comes with a nice suite of travel perks. Preferred Rewards clients score an extra 25%-75% cash back bonus.
Pros & Cons
- No foreign transaction fee
- TSA PreCheck® or Global Entry fee credit
- Visa Signature concierge benefit
- Flexible reward redemption options
- High penalty APR
- High balance transfer fee
- High standard APR and cash advance APR
- No airport lounge perks
Card Details
- Low $95 annual fee.
- Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Bank of America Credit Cards of 2024
Best secured card from Bank of America
Bank of America® Customized Cash Rewards Secured Credit Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3% Reward Rate
Earn 3% cash back in the category of your choice: gas and EV charging, online shopping, dining, travel, drug storesRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
28.24% variable
Credit Score
New to Credit
Our Expert Take
A secured card with no annual fee and the ability to earn rewards, this Bank of America card can provide a way forward for those needing to build their credit profile.
Pros & Cons
- No annual fee
- Earns cash-back rewards on eligible purchases
- Potential for an upgrade to an unsecured card
- The rewards system can be complicated to track
- An opening deposit of $200 is required
- There’s a foreign transaction fee
Card Details
- Earn 3% cash back in the category of your choice: gas and EV charging, online shopping, dining, travel, drug stores, or home improvement & furnishings
- Earn 2% cash back at grocery stores and wholesale clubs
- Earn unlimited 1% cash back on all other purchases
- You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
- A minimum refundable security deposit of $200 (maximum of $5,000) is required to open this account
- Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
- No annual fee
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best secured card with flat-rate cash back
Bank of America® Unlimited Cash Rewards Secured Credit Card *
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Unlimited 1.5% Reward Rate
Earn unlimited 1.5% cash back on all purchases
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
28.24% variable
Credit Score
Bad/Poor(0 - 649)
Our Expert Take
Earns an easy-to-manage 1.5% cash back on all your spending without tracking categories or spending caps.
Pros & Cons
- Simple rewards structure is easy to manage
- Potential to graduate to an unsecured card with good payment behavior
- Free access to your FICO Score
- There are other secured cards that may earn you higher rewards.
- There’s a foreign transaction fee
- Minimum deposit of at least $200 required
Card Details
- Earn unlimited 1.5% cash back on all purchases
- Cash rewards don’t expire
- Establish, strengthen or rebuild your credit
- No annual fee
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for travelers building credit
Bank of America® Travel Rewards Secured Credit Card *
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
1.5X Reward Rate
1.5 points per dollar on all other purchases and 3 points per dollar on purchases made through the Travel Center.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
28.24% variable
Credit Score
Limited, Bad, Fair(0 - 649)
Our Expert Take
If you’re looking to rebuild your credit, the Bank of America® Travel Rewards Secured Credit Card* offers rewards and no annual fee while doing so, which is a rare combination.
Pros & Cons
- Unlimited 3 points per dollar on purchases made through the Travel Center and 1.5 points per dollar on all other purchases
- No blackout dates or restrictions on travel rewards
- Points never expire as long as the card stays open
- $0 foreign transaction fee
- Requires a deposit
- High variable APR
- Poor cash-back redemption rate
Card Details
- No annual fee or foreign transaction fees
- Earn 1.5 points per dollar spent on general purchases with a bonus for purchases through the Bank of America Travel Center
- Security deposits of $200 – $5,000 required
- Periodic account reviews with the potential to qualify for a returned security deposit
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best student card from Bank of America
Bank of America® Customized Cash Rewards credit card for Students
On Bank of America's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Choose your 3% category
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More
Welcome Bonus
$200 cash rewards bonus
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
This card scores an ‘A+’ for students in need of an intro APR offer and no annual fee, while still earning impressive cash-back rewards.
Expert Commentary
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Emily Moore
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Credit Cards Writer
This card offers valuable cash-back rewards to responsible students with good to excellent credit. The savviest cardholders will pay close attention to their top spending category to maximize their quarterly 3% cash back option.
Pros & Cons
- Free FICO® Score access
- Intro APR offer with a generous term
- Competitive cash-back reward rates
- Solid welcome bonus
- 3% foreign transaction fee
- Higher penalty APR applies to late payments
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best balance transfer card from Bank of America
BankAmericard® credit card
On Bank of America's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
No Rewards
The BankAmericard® credit card does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Great for those who need a lengthy introductory APR offer to pay off other card balances or finance a major purchase.
Pros & Cons
- No penalty APR
- No annual fee
- No rewards program
- Foreign transaction fee
- Fee on balance transfers
Card Details
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% – 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for flexible cash-back rewards
Bank of America® Customized Cash Rewards credit card
On Bank of America's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Choose your 3% category
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
While offering solid rewards for moderate spenders, the card really shines for Bank of America Preferred Rewards clients, who get a 25%-75% boost in cashback earnings.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
It’s all about choice with the Bank of America® Customized Cash Rewards credit card. Not only do you get to choose your top bonus category, but you can change it every month if you want. You’ll find the most value in this card if you’re also a member of Bank of America’s Preferred Rewards program by receiving a 25%-75% earning bonus on everything you buy.
Pros & Cons
- Bank of America Preferred Rewards clients earn 25% to 75% more cash back
- Decent rewards earning potential
- Option to change 3% bonus category monthly
- Bonus rewards have quarterly caps
- High balance transfer fee
- Foreign transaction fee
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for flexible redemption options
Bank of America® Premium Rewards® credit card
On Bank of America's Website
4.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Up to 2X Reward Rate
Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Earn 1.5 points for every $1Read More
Welcome Bonus
60,000 points
Annual Fee
$95
Regular APR
21.24% - 29.24% Variable APR on purchases and balance transfers
Our Expert Take
Spending on travel and dining earns you 2 points per dollar, and the card comes with a nice suite of travel perks. Preferred Rewards clients score an extra 25%-75% cash back bonus.
Expert Commentary
Ben Luthi
Contributor
Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.
Ben Luthi
Ben Luthi
Contributor
Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.
Contributor
The best travel credit cards make it easy to earn back the annual fee every year, and the Premium Rewards credit card is one of those. It’s also a rewards powerhouse for Bank of America Preferred Rewards customers.
Pros & Cons
- No foreign transaction fee
- TSA PreCheck® or Global Entry fee credit
- Visa Signature concierge benefit
- Flexible reward redemption options
- High penalty APR
- High balance transfer fee
- High standard APR and cash advance APR
- No airport lounge perks
Card Details
- Low $95 annual fee.
- Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best flat-rate rewards card for students
Bank of America® Unlimited Cash Rewards credit card for Students
On Bank of America's Website
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Unlimited 1.5% Reward Rate
Earn unlimited 1.5% cash back on all purchases.
Welcome Bonus
$200 cash rewards bonus
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
Enjoy a welcome bonus, flat-rate rewards, and more than a year of intro APR on purchases and balance transfers.
Pros & Cons
- No annual fee
- Introductory APR on purchases and balance transfers
- Solid rewards earning
- Welcome bonus
- No major benefits
- High balance transfer fee
- High foreign transaction fee
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for students who want to travel
Bank of America® Travel Rewards credit card for Students
On Bank of America's Website
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
1.5X Reward Rate
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees andRead More
Welcome Bonus
25,000 points
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Good/Excellent(700 - 749)
Editorial Review
Students studying abroad will pay no foreign transaction fees (and no annual fee) while earning flat-rate rewards points with flexible travel redemption options. Plus, the intro APR offer makes this a good card for any students who need to make a big purchase or move debt over from another card.
Pros & Cons
- Flexible rewards redemption options
- Unlimited 1.5 points per $1 on all spending
- No foreign transaction fee
- Easy-to-earn welcome bonus
- No bonus categories to boost rewards
- High penalty APR and late fee
Card Details
- 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 as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Air France/KLM flyers
Air France KLM World Elite Mastercard® *
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3X Reward Rate
Earn 3 miles per $1 spent on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases; 1.5 milesRead More
Welcome Bonus
70,000 bonus miles + up to 100 XP
Annual Fee
$89
Regular APR
20.24% - 28.24% variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
While many airline credit cards only offer one mile per dollar spent on general purchases, the Air France KLM World Elite Mastercard® lets you earn 50% more. As part of the SkyTeam Alliance, points can be redeemed for flights on an impressive set of partner airlines. One downside is the lack of flight benefits with cardmembership — those come by earning XP points and gaining Elite status.
Pros & Cons
- Redeem points for travel on Air France, KLM and other SkyTeam partners
- Generous base earning rate
- No foreign transaction fee
- High regular APR
- The Flying Blue program often charges a lot of miles for award flights
- No flight perks included with card
Card Details
- Limited time offer: Earn 70,000 bonus miles and 40 Experience Points after spending $3,000 in purchases within the first 90 days of opening the account. Plus, earn 60 Experience Points upon approval
- Earn 3 miles per $1 spent on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases and 1.5 miles per $1 spent on all other purchases
- Earn 5,000 miles every year on your account anniversary after spending $50 on purchases within the anniversary year
Limited time offer: Earn 70,000 bonus miles and 40 Experience Points after spending $3,000 in purchases within the first 90 days of opening the account. Plus, earn 60 Experience Points upon approval.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for companion pass
Alaska Airlines Visa Signature® credit card
On Bank of America's Website
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Up to 3X Reward Rate
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent onRead More
Welcome Bonus
60,000 bonus miles
Annual Fee
$95
Regular APR
20.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
For West Coast frequent fliers, the Alaska Airlines card is worth a serious look. You’ll snag the prized annual Companion Fare when you spend $6,000 in the prior anniversary year, plus a free checked bag, Visa Signature benefits and other perks, which easily offset the annual fee.
Pros & Cons
- Redeem miles for flights with over 30 airline global partners
- Free checked bag on Alaska Airlines
- Annual Companion fare (earned with $6,000 or more in spending the prior anniversary year)
- No foreign transaction fees
- Limited flight options on the East Coast and in the Midwest
- Companion ticket is limited to Alaska Airlines flights
Card Details
- LIMITED TIME ONLINE OFFER—60,000 Bonus Miles!
- Get 60,000 bonus miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
- Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
- Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
- Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
- With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
- Plus, no foreign transaction fees and a low $95 annual fee.
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for airline lounge access
Bank of America® Premium Rewards® Elite credit card *
3.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 2X Reward Rate
Earn 2X points per dollar spent on travel and dining purchases; Earn 1.5X points per dollar on all other purchases.
Welcome Bonus
75,000 points
Annual Fee
$550
Regular APR
20.24% - 27.24% variable
Credit Score
Excellent(750 - 850)
Our Expert Take
If you value lounge access and travel perks, this card has you covered. Plus, you’ll get lifestyle credits for things like rideshares, food delivery and streaming service with select merchants. You’ll get the best deal if you’re a Preferred Rewards member, which returns a 25% to 75% bonus on all the points you earn.
Pros & Cons
- Top-notch rewards rate for those at the highest tier of Preferred Rewards
- Airline benefits including lounge access
- Up to a $150 annual lifestyle credit
- Can get the same rewards on a card with a lower annual fee
- Without Preferred Rewards, earn rate is just so-so
- No travel transfer partners
Card Details
- Receive 75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- Earn up to $300 in Airline Incidental Statement Credits annually on qualifying transactions and TSA Pre✓®/Global Entry Statement Credits of up to $100, every four years
- Earn up to $150 in lifestyle statement credits annually on qualifying rideshare, food delivery, streaming service and fitness transactions at select merchants
- Receive 20% off the cost of airfare when redeeming points through the Bank of America Travel Center
- Enrolled cardholders receive 12-month Priority Pass Select membership to access airport VIP lounges worldwide
Earn 75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for simple cash back
Bank of America® Unlimited Cash Rewards credit card
On Bank of America's Website
3.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
1.5% Reward Rate
Earn unlimited 1.5% cash back on all purchases
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The Bank of America® Unlimited Cash Rewards credit card is simple: The card offers an unlimited 1.5% cash back on all purchases, redeemable as a credit card statement credit or a deposit into an eligible Bank of America account, with no minimum redemption amount, no limit on the amount of rewards and no annual fee.
Pros & Cons
- Simple cash-back rewards
- No minimum cash-back redemptions
- Cash-back rewards do not expire
- Card can earn up to 2.62% cash back for Platinum Honors Preferred Rewards
- No annual fee
- Base cash back of 1.5% is market-lagging
- Cash back cannot be credited to an account at another bank
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for rebuilding credit
BankAmericard® Secured credit card *
3.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The BankAmericard® Secured credit card does not earn rewards.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
26.24% variable
Credit Score
Bad/Poor(0 - 649)
Our Expert Take
While there are many credit cards designed to help you rebuild your credit, most have high annual fees and other charges. This card has no annual fee and offers a pathway to upgrade to an unsecured card with time. Also included is a free monthly credit score to help you track your progress.
Pros & Cons
- Build credit with no annual fee
- Online FICO score for free
- Pathway to upgrade to a standard unsecured card
- No penalty APR
- Minimum $200 deposit required
- 3% foreign transaction fee
- Very high APR
- No rewards program or welcome bonus
Card Details
- No annual fee
- Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
- A minimum refundable security deposit of $200 (maximum of $5,000) is required to open this account
- Your maximum credit limit will be determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established
- Now with chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries
- Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for earning travel rewards
Bank of America® Travel Rewards credit card
On Bank of America's Website
2.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
1.5x Rewards Rate
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees andRead More
Welcome Bonus
25,000 points
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
The Bank of America® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. And since it has no foreign transaction fees, it’s also a great card to use when traveling.
Pros & Cons
- Earn unlimited rewards
- Bank of America Preferred Rewards clients earn 25%-75% more points on every purchase
- No foreign transaction fees
- No bonus categories to boost reward earnings
- APR can be high, depending on creditworthiness
Card Details
- 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 as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.