Best Bank of America Credit Cards of May 2026

BCC Editor's Pick 2026

Bank of America® Travel Rewards credit card

5.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Visa®

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.
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.
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Among no annual fee travel cards, this one has one of the largest welcome offers
Earn a generous rewards rate of unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center
No foreign transaction fees and flexible redemption options

Cons

You will need Excellent, Good credit to qualify for this card

Bank of America® Customized Cash Rewards credit card

5.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Rewards Rate

6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back 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

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Visa®

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
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, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Powerful cash back program that allows you to choose your bonus category
Generous sign up bonus to kickstart your cash back earning
No annual fee and a lengthy intro APR on purchases and balance transfers

Cons

There is a 3% foreign transaction fee
There is a balance transfer fee of 3% for 60 days from account opening, then 5%

BankAmericard® credit card

5.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

—

Rewards Rate

N/A

Intro APR

0% Intro APR for 21 billing cycles for purchases and 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days, then 14.99% - 25.99% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

New! 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Save on interest with this card's lengthy 0% intro APR periods.
Cardholders don't have to pay an annual fee.
There is no penalty APR – paying late won't automatically raise your interest rate.

Cons

This card does not offer a rewards program on purchases.
There is a balance transfer fee of 5% of the amount of each transaction.

Bank of America® Customized Cash Rewards credit card for Students

5.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back 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

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
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, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
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.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Flexible and customizable cash back program
A bountiful sign up bonus
An extensive intro APR period

Cons

You need Excellent/Good credit for this card

Bank of America® Unlimited Cash Rewards credit card

4.5 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

2% cash back on all purchases for the first year from account opening and 1.5% cash back on all purchases after the first year from account opening

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
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.
Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
No annual fee.
Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Enjoy no-hassle rewards with unlimited 2% cash back on all purchases for the first year from account opening and 1.5% cash back on all purchases after the first year from account opening
Earn a hefty $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
No annual fee and a lengthy period of low interest on purchases and balance transfers

Cons

There is a balance transfer fee of 3% for 60 days from account opening, then 5%
A 3% foreign transaction fee applies when using your card overseas

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

4.5 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

$500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.

Rewards Rate

3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases

Intro APR

0% Intro APR for 7 billing cycles and N/A, then 16.74% - 26.74% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent

Card Brand

Mastercard®

$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Pay no annual fee
Flexible cash back program helps you earn rewards where it matters most
Enjoy a low intro APR period on purchases

Cons

There is no intro APR period on balance transfers
There is a foreign transaction fee of 3% of the U.S. dollar amount of each transaction

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

4.5 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.

Rewards Rate

1.5 points for every $1 spent on all purchases everywhere, every time

Intro APR

0% Intro APR for 7 billing cycles and N/A, then 16.74% - 26.74% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent

Card Brand

Mastercard®

50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No limit to the amount of points you can earn and points don't expire as long as your account remains open.
No annual fee and no international transaction fees.
Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Earn a solid rewards rate on all your business purchases
Jumpstart your rewards earning with a generous sign up bonus
Pay no annual fee and no foreign transaction fees

Cons

There is no intro APR on balance transfers
No ability to transfer points to frequent flyer programs

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.5 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

$500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.

Rewards Rate

1.5% cash back on purchases

Intro APR

0% Intro APR for 7 billing cycles and N/A, then 16.74% - 26.74% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent

Card Brand

Mastercard®

$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Unlimited cash back with no restrictions or bonus categories to worry about
Earn a big sign up bonus for new cardholders
Pay no annual fee and enjoy a lengthy intro APR on purchases

Cons

No intro APR on balance transfers
There is a foreign transaction fee of 3% of the U.S. dollar amount of each transaction

Atmos™ Rewards Ascent Visa Signature® credit card

4.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days of opening your account. Additionally, receive a 50% flight discount code for a qualifying future flight after opening your new account.

Rewards Rate

3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases, unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases, and unlimited 1 point per $1 spent on all other purchases

Intro APR

N/A, then 19.49% - 27.49% Variable APR on purchases

Annual Fee

$95

Credit Score Needed

Excellent/Good

Card Brand

Visa

Limited-time online offer – 80,000 bonus points + a 50% flight discount code.
Receive a 50% flight discount code for a qualifying future flight after opening your new account. Additionally, earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days of opening your account.
Get a $99 Companion 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 and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 point per $1 spent on all other purchases. Points don’t expire on active accounts.
Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
Earn and redeem across 1,000+ destinations worldwide with oneworld® Alliance member airlines and 30+ global air partners.
Plus, no foreign transaction fees and a low $95 annual fee.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Cardholders can earn a large welcome offer
Earn points on every purchase and elevated points in select categories
Free checked bag on Alaska Airlines and Hawaiian Airlines

Cons

Alaska Airlines and Hawaiian Airlines primarily serve the West Coast
There is a balance transfer fee of 5% of the amount of each transaction

Atmos™ Rewards Summit Visa Infinite® credit card

4.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account. Additionally, receive a 50% flight discount code for a qualifying future flight after opening your account.

Rewards Rate

3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases

Intro APR

N/A, then 19.49% - 27.49% Variable APR on purchases

Annual Fee

$395

Credit Score Needed

Excellent/Good

Card Brand

Visa

Limited-time online offer – 100,000 bonus points + a 50% flight discount code.
Receive a 50% flight discount code for a qualifying future flight after opening your account. Additionally, earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account.
Each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points.
Additionally, receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases each anniversary year.
Receive 8 Alaska Lounge passes and 8 Wi-Fi passes every year (2 of each per calendar quarter).
Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
Get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
Receive an airport security credit up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+.
Plus, no foreign transaction fees and a competitive $395 annual fee.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Cardholders can earn a massive welcome offer
Free checked bag on Alaska Airlines and Hawaiian Airlines, plus 8 Alaska Lounge passes each year
Earn elevated points for eligible foreign transactions and pay no foreign transaction fee

Cons

Alaska Airlines and Hawaiin Airlines primarily serve the West Coast
There is a balance transfer fee of 5% of the amount of each transaction

BankAmericard® credit card for Students

4.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

—

Rewards Rate

N/A

Intro APR

0% Intro APR for 21 billing cycles for purchases and 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days, then 14.99% - 25.99% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

New! 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Save on interest with this card's lengthy 0% intro APR periods.
There is no penalty APR or annual fee.
Build your credit history with responsible use.

Cons

This card does not offer a rewards program on purchases.
There is a balance transfer fee of 5% of the amount of each transaction.

Bank of America® Travel Rewards credit card for Students

4.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

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.

Rewards Rate

1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

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.
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.
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
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.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Unlimited points on every purchase
No annual fee or foreign transaction fee
Big welcome offer

Cons

You need Excellent/Good credit for this card

Bank of America® Unlimited Cash Rewards credit card for Students

4.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

2% cash back on all purchases for the first year from account opening and 1.5% cash back on all purchases after the first year from account opening

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
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.
Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
No annual fee.
Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
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.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Unlimited cash back on every purchase
A large welcome offer
This card can help you build your credit history
No annual fee

Cons

There is a foreign transaction fee