Best Credit Cards in November 2024Best
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Best Bank of America Credit Cards in 2024

Written by
Glen Luke Flanagan
Kristen Grau, staff writer for LendingTreeWritten by
Kristen Grau
Robin Ratcliff, managing editor for LendingTreeEdited by
Robin Ratcliff
Updated on:
Content was accurate at the time of publication.
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Best Overall

Bank of America<sup>®</sup> Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

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on Bank Of America's secure site

The Bank of America® Customized Cash Rewards credit card is our top pick for the overall best Bank of America credit card. It charges a $0 annual fee, offers a generous sign-up bonus and comes with a flexible cash back program that lets you choose your 3% earning category from six different options.

Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.

Best Bank of America Credit Cards in 2024

Bank of America issues a wide range of credit cards, including cash back credit cards, cards for college students, cards for business owners and more. The best one for you will depend on what type of annual fee, rewards rate, APR and sign-up bonus you’re looking for.

Bank of America also offers the Preferred Rewards program. With Preferred Rewards, members get special benefits based on qualifying combined balances in Bank of America deposit accounts and Merrill investment accounts. If you qualify and have an eligible credit card, that adds a 25%, 50% or 75% bonus to your card’s rewards rate.

Winner

Bank of America® Customized Cash Rewards credit card

Bank of America<sup>®</sup> Customized Cash Rewards credit card Bank of America<sup>®</sup> Customized Cash Rewards credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
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on Bank Of America's secure site

Earning rate: 1% to 3% cash back
3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
Annual Fee$0
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Regular Purchase APRXX.XX% - XX.XX% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Customizable cash back
  • Large sign-up bonus
  • $0 annual fee
  • Intro APR on balance transfers and purchases
  • Cash back cap on bonus categories
  • Foreign transaction fee

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

The Bank of America® Customized Cash Rewards credit card is a cash rewards credit card that offers you a flexible and valuable rewards rate. It lets you choose your top earning categories on a monthly basis. This is a great $0-annual-fee card for people whose expenses may vary throughout the year.

It comes with a generous sign-up bonus, solid intro APRs on purchases and balance transfers, and lets you switch your 3% cash back earnings between the following categories:

  • Gas
  • Online shopping
  • Cable, streaming, internet and phone services
  • Dining
  • Travel
  • Drugstores
  • Home improvement/furnishings
  • $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.
  • X% Intro APR for XX 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 XX.XX% - XX.XX% will apply. A X% 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 X%.
  • 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.

Intro APR on purchases and balance transfers

BankAmericard® credit card*

BankAmericard<sup>®</sup> credit card BankAmericard<sup>®</sup> credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
Learn More

Intro APR on balance transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days followed by a 15.74% - 25.74% Variable APR on balance transfers
Annual Fee$0
Intro Purchase APR0% Intro APR for 18 billing cycles for purchases
Regular Purchase APR15.74% - 25.74% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Long intro APR on purchases and balance transfers
  • $0 annual fee
  • No rewards program
  • Foreign transaction fees
  • Minimal benefits

If you need to make a big purchase and want to enjoy a long interest-free period, or if you’re looking to transfer high-interest credit card debt, the BankAmericard® credit card is an excellent choice.

It offers one of the longest intro APRs on purchases and balance transfers: 0% Intro APR for 18 billing cycles for purchases and 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After, a 15.74% - 25.74% Variable APR applies. You’ll get a year-and-a-half of no interest, providing plenty of breathing room to pay down your debt.

  • 0% Introductory 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 15.74% - 25.74% Variable APR will apply. A 3% fee applies to all balance transfers.
  • 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.
*The information related to the BankAmericard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Travel benefits

Bank of America® Premium Rewards® credit card

Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> credit card Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.9
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on Bank Of America's secure site

Earning rate: 1.5X to 2X points

Earn 2 points for every $1 spent on travel and dining purchases. 1.5 points for every $1 spent on all other purchases.

Annual Fee$95
Intro Purchase APRXX.XX% - XX.XX% Variable APR
Regular Purchase APRXX.XX% - XX.XX% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Bonus points on travel and dining
  • High flat rate on other purchases
  • Generous sign-up bonus
  • Foreign transaction fee: None
  • Up to $100 in Airline Incidental Statement Credits annually
  • Global Entry/TSA PreCheck credit
  • $95 annual fee

Sign-up bonus: 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.

If you frequently travel by air, the Bank of America® Premium Rewards® credit card might just be the credit card you want in your wallet — especially if you’re a Preferred Rewards member.

It comes with many travel perks that can cover its $95 annual fee. You’ll get a generous sign-up bonus, up to $100 in airline incidental statement credits annually, a statement credit for Global Entry/TSA Precheck and bonus rewards on travel and dining.

If you take full advantage of the annual travel credit, that’s more than enough value to recoup the annual fee.

  • 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.

Beginners

Bank of America® Unlimited Cash Rewards Secured Credit Card*

Bank of America® Unlimited Cash Rewards Secured Credit Card Bank of America® Unlimited Cash Rewards Secured Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

2.4
Review Coming Soon

Secure a high credit limit with no annual fee
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR28.74%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
N/A
Get Your Free Credit Score
  • $0 annual fee
  • High credit limit for a secured card ($5,000 maximum)
  • Simple rewards rate
  • Minimum $200 security deposit
  • No intro APR

The Bank of America® Unlimited Cash Rewards Secured Credit Card is an excellent choice for people who are new to building credit. With its $0 annual fee, you can get a solid start to your credit journey if you use the card responsibly. Plus, you’ll earn a high rate of cash back on every purchase that you make.

  • $0 annual fee
  • Earn unlimited 1.5% cash back on all purchases
  • Secure up to a $5,000 balance
  • Free monthly FICO score
*The information related to the Bank of America® Unlimited Cash Rewards Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Travel with no annual fee

Bank of America® Travel Rewards credit card

Bank of America<sup>®</sup> Travel Rewards credit card Bank of America<sup>®</sup> Travel Rewards credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.3
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on Bank Of America's secure site

Earning rate: 1.5X points

Earn 1.5 points per $1 spent on all purchases.

Annual Fee$0
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Regular Purchase APRXX.XX% - XX.XX% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Simple rewards on every purchase
  • Large sign-up bonus
  • $0 annual fee
  • Foreign transaction fees: None
  • Intro APR on purchases
  • Limited travel benefits
  • There are more rewarding travel rewards cards

Sign-up bonus: Earn 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

The Bank of America® Travel Rewards credit card is an easy-to-use travel rewards credit card with a $0 annual fee. You’ll earn a flat rewards rate, or an even higher rate if you’re a Bank of America Preferred Rewards® member.

You can redeem your points for statement credits against travel purchases for a value of 1 cent per point. For example, 2,500 points would be worth $25 redeemed that way.

You can also redeem points for cash back, in which case they’re worth a little over half a cent each — 2,500 points translates to $15 worth of cash back. This is a subpar value, however, so we instead recommend redeeming points for travel credits to maximize what you’re getting from your rewards.

  • 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.
  • X% Intro APR for XX 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 XX.XX% - XX.XX% will apply. A X% 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 X%.
  • 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.

Flat-rate cash back

Bank of America® Unlimited Cash Rewards credit card

Bank of America<sup>®</sup> Unlimited Cash Rewards credit card Bank of America<sup>®</sup> Unlimited Cash Rewards credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
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on Bank Of America's secure site

Earning rate: 1.5% cash back

Earn 1.5% cash back on all purchases.

Annual Fee$0
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Regular Purchase APRXX.XX% - XX.XX% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Simple cash back on every purchase
  • Large sign-up bonus
  • $0 annual fee
  • Intro APR on purchases and balance transfers
  • Foreign transaction fees
  • There are higher earning cash back cards

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

The Bank of America® Unlimited Cash Rewards credit card offers an elevated flat rewards rate, which is great for people who don’t want to keep track of bonus categories. This $0-annual-fee card also comes with a sign-up bonus and long intro APR on purchases and balance transfers.

  • $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.
  • X% Intro APR for XX 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 XX.XX% - XX.XX% will apply. A X% 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 X%.
  • 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.

College students

Bank of America® Customized Cash Rewards Credit Card for Students*

Bank of America® Customized Cash Rewards Credit Card for Students Bank of America® Customized Cash Rewards Credit Card for Students
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.9
Learn More

Earning rate: 1% to 3% cash back

Earn 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.

Annual Fee$0
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Regular Purchase APR18.74% - 28.74% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Customizable cash back
  • Large sign-up bonus
  • $0 annual fee
  • Intro APR on purchases and balance transfers
  • Foreign transaction fees
  • Cap on bonus categories

Sign-up bonus: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

The Bank of America® Customized Cash Rewards Credit Card for Students is a unique student credit card with a customizable rewards rate. Most other student cards either have a flat rate or a tiered rate with permanent categories.

With the Bank of America® Customized Cash Rewards Credit Card for Students, you have an opportunity to build credit and earn cash back at the same time.

You can choose from the following categories for your 3% cash back category each month:

  • Gas/EV charging
  • Online shopping
  • Dining
  • Travel
  • Drugstores
  • Home improvement/furnishings
  • $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 18.74% - 28.74% Variable APR 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.
*The information related to the Bank of America® Customized Cash Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Building credit

Bank of America® Customized Cash Rewards Secured Credit Card*

Bank of America® Customized Cash Rewards Secured Credit Card Bank of America® Customized Cash Rewards Secured Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

2.6
Review Coming Soon

Earning rate: 1% to 3% cash back
Earn 3% cash back in a category of your choice each month, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR28.74% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-600
Limited / Poor
Get Your Free Credit Score
  • Customizable cash back
  • $0 annual fee
  • Free FICO Score
  • Requires a security deposit
  • Cap on bonus categories
  • High APR
  • Foreign transaction fees

If you have less-than-stellar credit and need a secured card to help rebuild your credit score, the Bank of America® Customized Cash Rewards Secured Credit Card can help you do that. Plus, it comes with an excellent cash back program, while some secured cards don’t offer rewards at all.

The categories you can choose from to earn 3% on each month include:

  • Gas
  • Online shopping
  • Dining
  • Travel
  • Drugstores
  • Home improvement/furnishings

Like most secured credit cards, it charges a $0 annual fee and requires a $200 minimum security deposit. However, Bank of America periodically reviews your account and your overall credit history to see if you qualify to get your security deposit refunded. Though there’s no timeline for reviews, you can always get your deposit back once you close the card, minus any fees or balance owed.

  • Earn 3% cash back in a category of your choice each month
  • Secure a credit limit up to $5,000
  • Periodic account reviews to have your security deposit refunded
  • Free monthly FICO® Score
*The information related to the Bank of America® Customized Cash Rewards Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Airline miles and benefits

Alaska Airlines Visa Signature® credit card*

Alaska Airlines Visa Signature<sup>®</sup> credit card Alaska Airlines Visa Signature<sup>®</sup> credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.8
Learn More

Earning rate: 1X to 3X miles
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases including ride share. 1 mile for every $1 spent on all other purchases.
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR21.24% - 29.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Bonus miles on Alaska airfare and everyday spending
  • Generous sign-up bonus
  • Companion fare offer
  • Additional perks for Alaska Airlines customers
  • Foreign transaction fees: None
  • $95 annual fee
  • Limited redemption options outside of Alaska Airlines

Sign-up bonus: Get 50,000 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.

The Alaska Airlines Visa Signature® credit card can be worth the $95 annual fee for frequent Alaska Airlines flyers. Its perks and sign-up bonus alone can cover the cost of the annual fee. You’ll get an annual companion fare from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more within the prior year. Plus, it has solid travel protections and no foreign transaction fees.

Alaska Airlines might not be as big a name in the travel world as, say, Delta, but it can still get you to numerous destinations throughout the United States, as well as Belize, Canada, Costa Rica and Mexico. However, because of its $95 annual fee, this card isn’t for the occasional traveler.

  • LIMITED TIME ONLINE OFFER—50,000 Bonus Miles!
  • Get 50,000 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.
*The information related to the Alaska Airlines Visa Signature® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Small business owners

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

Bank of America<sup>®</sup> Business Advantage Customized Cash Rewards Mastercard<sup>®</sup> credit card Bank of America<sup>®</sup> Business Advantage Customized Cash Rewards Mastercard<sup>®</sup> credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.2
Learn More

Earning rate: 1% to 3% cash back
Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 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
Annual Fee$0
Intro Purchase APR0% Introductory APR on purchases for the first 9 billing cycles
Regular Purchase APR18.49% - 28.49% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Customizable cash back
  • Generous sign-up bonus
  • $0 annual fee
  • Intro APR on purchases
  • Foreign transaction fees
  • Cap on bonus categories

Sign-up bonus: Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers customizable categories for business owners whose expenses change frequently. For a $0 annual fee card, it also offers a decent sign-up bonus.

Going through a period where you have to drive a lot for business trips? Select the gas station category to earn 3% on. No longer driving as much? Perhaps earning 3% back at office supply stores instead would be a better fit.

Here’s the full list of categories you can select from for 3% cash back:

  • Gas stations
  • Office supply stores
  • Travel
  • TV, telecom and wireless
  • Computer services
  • Business consulting services
  • Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
  • Earn 3% cash back in the category of your choice: gas 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% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. 
  • 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 Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire. 
  • 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 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% - 28.49% Variable APR 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.
*The information related to the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The information related to the BankAmericard® credit card, Bank of America® Unlimited Cash Rewards Secured Credit Card, Bank of America® Customized Cash Rewards Credit Card for Students, Bank of America® Customized Cash Rewards Secured Credit Card, Alaska Airlines Visa Signature® credit card and Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Glen Luke Flanagan

  • Expertise: Personal finance, credit scoring, credit cards
  • Education: Radford University, East Carolina University

 

 

Glen Luke Flanagan is a former senior credit card writer for LendingTree. He joined the team in June 2019, and covered topics that included new credit cards, how your credit score works and what you need to know about credit card interest.
 
Before joining LendingTree, Glen worked in journalism and government communications. As a journalist at newspapers in North Carolina and South Carolina, his reporting won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.
 
Glen earned his bachelor’s degree in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. He also earned a master’s degree in English with a concentration in technical and professional communication, as well as a graduate certificate in marketing, from East Carolina University in May 2022.

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