Bank of America Credit Cards 2025Bank of America (BoA) offers some of the most versatile credit cards in the U.S., catering to cashback lovers, travelers, and premium users. With perks like Preferred Rewards bonuses and low annual fees, BoA cards are ideal for everyday spending. This guide dives into eligibility, rewards, hidden benefits, and how BoA stacks up against competitors like Chase and Citi.
Key Features of Bank of America Credit Cards
1. Customized Cash Rewards
- Earn 3% cashback in a category of your choice (gas, online shopping, dining, etc.).
- 2% at grocery stores/wholesale clubs and 1% on all other purchases.
2. Preferred Rewards Program
- Earn 10-75% more rewards if you’re a BoA/Merrill client with $20k+ in deposits.
3. Low Annual Fees
- Most BoA cards have 0–95 annual fees, except premium options like the Premium Rewards® card ($95).
4. Introductory APR Offers
- 0% APR for 15 billing cycles on purchases/balance transfers (e.g., BankAmericard®).
5. Travel Benefits
- Premium Rewards® Card: $100 annual airline credit, Global Entry/TSA PreCheck fee credit.
Pros and Cons of Bank of America Credit Cards
Advantages
- Flexible rewards categories (Customized Cash Rewards).
- No foreign transaction fees on premium cards.
- Strong mobile app (4.8/5 on App Store).
Drawbacks
- Lower rewards rates compared to Amex Gold or Chase Sapphire.
- Balance transfer fees (3% of the amount).
Comparison of Top Bank of America Credit Cards
| Card Name | Rewards | Annual Fee | Intro APR | Best For |
|---|---|---|---|---|
| Customized Cash Rewards | 3% in chosen category, 2% groceries | $0 | 0% for 15 months | Cashback enthusiasts |
| Premium Rewards® | 2x points on travel/dining | $95 | N/A | Frequent travelers |
| Travel Rewards® | 1.5x points on all purchases | $0 | 0% for 15 billing cycles | Simple travel rewards |
| BankAmericard® | N/A (Balance transfer card) | $0 | 0% APR for 18 months | Debt consolidation |
Bank of America vs. Competitors
| Feature | Bank of America | Chase Freedom Flex | Citi Double Cash |
|---|---|---|---|
| Cashback Rate | Up to 3% + 75% bonus | 5% rotating categories | 2% on all purchases |
| Annual Fee | 0–95 | $0 | $0 |
| Foreign Fees | 0% on premium cards | 3% | 3% |
| Sign-Up Bonus | 200–500 | $200 | None |
How to Apply for a Bank of America Credit Card
Eligibility Requirements
- Credit Score: 670+ (Good to Excellent).
- Income: Minimum $20k/year recommended.
Step-by-Step Application
- Visit Bank of America’s credit card page.
- Choose a card and click “Apply Now.”
- Provide personal details (SSN, income, employment).
- Receive instant approval or a follow-up decision.
Bank of America Customer Care and Services
Contact Information
- Phone: 1-800-732-9194 (24/7 support).
- Lost/Stolen Cards: 1-866-266-0212.
- Mobile App: Manage payments, track rewards, and lock/unlock cards.
Key Services
- Balance Transfers: Transfer debt from other cards (3% fee).
- Virtual Cards: Generate temporary card numbers for online safety.
- Fraud Protection: $0 liability guarantee.
Bank of America Credit Card FAQs
- What’s the best Bank of America credit card for cashback?
The Customized Cash Rewards card offers 3% in your top category. - Does Bank of America charge foreign transaction fees?
Only on non-premium cards (3%). - How do I redeem Bank of America rewards?
Use points for cashback, travel, gift cards, or statement credits. - What’s the minimum credit limit?
Typically $500+ based on income and credit score. - Can I upgrade my BoA credit card?
Yes, call customer service to discuss options.
Why Choose Bank of America Credit Cards?
- Preferred Rewards Boost: Earn up to 75% more rewards with a BoA/Merrill account.
- Low Fees: Most cards have no annual fee.
- Travel Perks: Premium cards include airport lounge access and annual credits.
Conclusion
Bank of America credit cards are ideal for those seeking flexible rewards, low fees, and strong customer support. While they may not match premium competitors in luxury perks, their Customized Cash Rewards and Preferred Rewards bonuses make them a top choice for budget-conscious users.
Bank of America’s 2025 credit cards shine for:
- Cashback Lovers: Customized Cash Rewards with 5.25% potential.
- Travelers: Premium Rewards®’ luxury perks.
- Debt Managers: BankAmericard®’s 0% APR.
Avoid BoA cards if you prioritize travel insurance (e.g., Chase Sapphire) or global acceptance (Amex Platinum).
