Cards by issuer · October 2026
Best Bank of America credit cards, ranked
We track 24 Bank of America credit cards in our database (store-only cards excluded), and this page ranks every one of them by the same overall score we use across YourBestCards. Annual fees run from $0 to $550 (the Bank of America Premium Rewards Elite Credit Card), and 16 of the 24 charge no annual fee. By type, the lineup includes 10 intro-APR, 7 travel, 6 cash back and 5 airline cards (a card can carry more than one tag). Networks: Visa (18) and Mastercard (6).
Right now the highest-scoring Bank of America card is the Atmos™ Rewards Ascent Visa Signature® (score 65, #49 of 242 cards overall), followed by the Bank of America® Customized Cash Rewards for Students (63) and the Bank of America® Unlimited Cash Rewards credit card (63). 20 of these cards list a welcome offer in our data and 12 list an intro APR period.
All 24 Bank of America cards by score
- #1
Atmos™ Rewards Ascent Visa Signature®
Score 65- Unlimited 3 points for every $1 spend 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 purchases, including rideshare
- Unlimited 1 point for every $1 spent on all other purchases
- Annual fee
- $95
- Welcome offer
- Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2,500 or more on purchases within the first 90 days of opening your account.
- #2
Bank of America® Customized Cash Rewards for Students
Score 63- 6% cash back first year in choice category (then 3%)
- 2% at grocery stores and wholesale clubs
- 1% on all other purchases
- Annual fee
- $0
- Welcome offer
- $200 cash rewards bonus after $1,000 spend in 90 days
- Intro APR
- purchases 15 months · balance transfers 15 months
- Unlimited 1.5% cash back on all purchases.
- Annual fee
- $0
- Welcome offer
- $250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening
- Intro APR
- purchases 15 months · balance transfers 15 months
- #4
Air France KLM World Elite Mastercard®
Score 62- 3 Miles per $1 spent directly on Air France, KLM, and other SkyTeam member airlines
- 1.5 Miles per $1 spent on all other purchases
- Annual fee
- $89
- Welcome offer
- Online offer: 50,000 Bonus Miles + 100 Experience Points (XP) after you make $2,000 or more in purchases within the first 90 days of your account opening
- #5
Atmos™ Rewards Summit Visa Infinite® Credit Card
Score 62- 3 points per $1 on Alaska Airlines, Hawaiian Airlines, foreign transactions and dining
- 1 point 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
- Annual fee
- $395
- Welcome offer
- Limited time online offer: Earn 80,000 bonus points and a 25,000 point Global Companion Award. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
- 3% cash back + 3% first-year cash back bonus in the category of your choice including gas and EV charging station, online shopping/cable/streaming/internet/phone plans, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- Annual fee
- $0
- Welcome offer
- Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening and 6% cash back in the category of your choice – for the first year.
- Intro APR
- purchases 15 months · balance transfers 15 months
- #7
BankAmericard® Credit Card
Score 60- none
- Annual fee
- $0
- Intro APR
- purchases 21 months · balance transfers 21 months
- #8
BankAmericard® Credit Card for Students
Score 60- none
- Annual fee
- $0
- Intro APR
- purchases 21 months · balance transfers 21 months
- #9
Business Advantage Customized Cash Rewards credit card
Score 58- 3% cash back in the category of your choice
- 2% cash back on dining purchases and unlimited 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.
- Annual fee
- $0
- Welcome offer
- $500 cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening
- Intro APR
- purchases 7 months
- #10
Royal ONE Plus™ Visa Signature® Credit Card
Score 56- 4 points per dollar spent on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
- 2 points per dollar spent on eligible airline, hotel, dining, grocery, gas and EV charging station purchases
- 1 point per dollar spent on all other purchases
- Annual fee
- $99
- Welcome offer
- Limited-time online offer: 60,000 bonus points, redeemable for $600 in onboard credit or cruise discounts, after spending $2.500 on purchases within the first 90 days of account opening
- #11
Atmos™ Rewards Visa Signature® Business Card
Score 54- 3 points per $1 spent on Alaska Airlines and Hawaiian Airlines
- 2 points on gas/EV/shipping/transit
- 1 point on all other purchases
- Annual fee
- $70
- Welcome offer
- Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
- #12
Royal ONE™ Visa Signature® Credit Card
Score 53- 3 points per dollar spent on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
- 2 points per dollar spent on eligible grocery, gas and EV charging station purchases
- 1 point per dollar spent on all other purchases
- Annual fee
- $0
- Welcome offer
- Online offer: 30,000 bonus points, redeemable for $300 in onboard credit or cruise discounts, after spending $1,500 on purchases within the first 90 days of account opening
- #13
Bank of America® Customized Cash Rewards Secured Credit Card
Score 51- 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
- 1% on all other purchases
- Annual fee
- $0
- #14
Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Score 49- Unlimited 1.5% cash back on all purchases
- Annual fee
- $0
- Welcome offer
- $500 statement credit after $3,000 spend in 90 days
- Intro APR
- purchases 7 months
- #15
Allways Rewards Visa® Card
Score 49- 3 points per $1 spent on Allegiant purchases (air, hotel, car rental and attractions)
- 2 points per $1 spent on qualifying dining purchasesl 1 point per $1 spent on all other purchases
- Annual fee
- $59
- Welcome offer
- 30,000 Bonus Points, equal to $300 off a future Allegiant trip, after you make $1,500 or more in purchases within the first 90 days of account opening.
- #16
Bank of America Business Advantage Travel Rewards World Mastercard
Score 48- 1.5 points per $1 on all purchases (3x when booking through BofA Travel Center)
- Annual fee
- $0
- Welcome offer
- 50,000 points after $5,000 spend in 90 days
- Intro APR
- purchases 7 months
- #17
Bank of America® Premium Rewards® Credit Card
Score 47- 2 points per $1 on travel and dining
- 1.5 points per $1 on all other purchases
- Annual fee
- $95
- Welcome offer
- 60,000 bonus points after $4,000 spend in 90 days
- #18
Bank of America® Unlimited Cash Rewards for Students
Score 46- 2% cash back on all purchases first year, then unlimited 1.5%
- Annual fee
- $0
- Welcome offer
- $200 cash rewards bonus after $1,000 spend in 90 days
- Intro APR
- purchases 15 months · balance transfers 15 months
- #19
Norwegian Cruise Line® World Mastercard®
Score 45- 3 WorldPoints® points for every $1 spent on Norwegian purchases
- 2 WorldPoints® points per $1 spent on eligible air and hotel purchases
- 1 WorldPoints® point per $1 spent on all other purchases.
- Annual fee
- $0
- Welcome offer
- Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise.
- #20
Bank of America® Premium Rewards® Elite Credit Card
Score 44- 2 points per $1 on travel and dining
- 1.5 points per $1 on all other purchases
- Annual fee
- $550
- Welcome offer
- 75,000 bonus points after $5,000 spend in 90 days
- #21
Bank of America® Travel Rewards Credit Card
Score 41- 1.5 points per $1 on all purchases
- Annual fee
- $0
- Welcome offer
- 25,000 bonus points after $1,000 spend in 90 days
- Intro APR
- purchases 15 months · balance transfers 15 months
- #22
Bank of America® Travel Rewards Credit Card for Students
Score 41- 1.5 points per $1 on all purchases
- Annual fee
- $0
- Welcome offer
- 25,000 bonus points after $1,000 spend in 90 days
- Intro APR
- purchases 15 months · balance transfers 15 months
- #23
Platinum Plus® Mastercard® Business Credit Card
Score 38- none
- Annual fee
- $0
- Welcome offer
- $300 online cash rewards bonus after you make at least $3,000 in purchases in the first 90 days of your account opening
- Intro APR
- purchases 7 months
- #24
Bank of America® Unlimited Cash Rewards Secured Credit Card
Score 34- Unlimited 2% cash back first year then 1.5% cash back on all purchases
- Annual fee
- $0
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
How we rank Bank of America cards
The order is our overall card score (final blended score), the same number the home page ranks by. It weighs rewards value at typical spending, the welcome offer, fees and credits, intro APR terms and approval odds; see our methodology. Store-only cards are left out, and duplicate listings of the same card are shown once. Card details come from our database, checked against Bank of America’s own site; fees and offers are shown as stored and terms apply. Issuers can’t pay to be included or ranked higher.
Frequently asked questions
How many Bank of America credit cards does YourBestCards rank?
24 cards, excluding store-only cards. Each is scored with the same overall score used across the site; this page lists them from the highest score to the lowest.
Which Bank of America credit card ranks highest?
The Atmos Rewards Ascent Visa Signature, with an overall score of 65 (#49 of 242 cards we rank). Next is the Bank of America Customized Cash Rewards for Students (63).
Which Bank of America credit cards have no annual fee?
16 of them: Bank of America Customized Cash Rewards for Students, Bank of America Unlimited Cash Rewards credit card, Bank of America Customized Cash Rewards Credit Card, BankAmericard Credit Card, BankAmericard Credit Card for Students, Business Advantage Customized Cash Rewards credit card, Royal ONE Visa Signature Credit Card and Bank of America Customized Cash Rewards Secured Credit Card, plus 8 more listed below.
Do any Bank of America credit cards have an intro APR?
12 list an intro APR period in our data: Bank of America Customized Cash Rewards for Students (purchases 15 months · balance transfers 15 months), Bank of America Unlimited Cash Rewards credit card (purchases 15 months · balance transfers 15 months), Bank of America Customized Cash Rewards Credit Card (purchases 15 months · balance transfers 15 months), BankAmericard Credit Card (purchases 21 months · balance transfers 21 months), BankAmericard Credit Card for Students (purchases 21 months · balance transfers 21 months) and Business Advantage Customized Cash Rewards credit card (purchases 7 months), among others. Terms apply; check the issuer’s site for the current rate and fees.
What is the highest annual fee on a Bank of America card?
$550, on the Bank of America Premium Rewards Elite Credit Card.
Other card issuers
- Chase credit cards (41)
- American Express credit cards (26)
- Barclays credit cards (22)
- Capital One credit cards (20)
- Citi credit cards (13)
- U.S. Bank credit cards (12)
- Navy Federal Credit Union credit cards (9)
- Synchrony credit cards (6)
- TD Bank credit cards (6)
- Wells Fargo credit cards (7)
- USAA credit cards (5)
- All card issuers
Rankings by card type: cash back · travel · business · 0% intro APR · no annual fee · premium travel · sign-up bonuses.