Discover The Finest Credit Cards Of August 2023
Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
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Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
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Dining Rewards
BEST FOR TRAVEL
Bank Of America® Travel Rewards Credit Card
see rates & fee
Recommended credit
670-850 (Good to Excellent)
Rewards rate
1.5X
1.5 points per $1 spent on all purchases
Intro offer
25,000 points
Annual fee
$0
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Read the full review
Pros
- No need to worry about bonus categories, earning caps or maximizing redemption options
- Introductory APR offer on purchases and balance transfers completed within the first 60 days for new cardholders.
Cons
- Modest travel perks compared to some competitors
- May not be worth it for those not eligible to sign up for Bank of America Preferred Rewards
Bottom Line
This no-frills, no-annual-fee card is a strong option for people looking to begin their travel points journey without the hassle of maximizing their rewards. While it offers significant benefits to beginners and existing Bank of America customers, more frequent fliers may want to look for something more rewarding.
Highlights
- 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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
View All Bank of America® Travel Rewards credit card Details
BEST FOR CASH BACK
Bank Of America® Customized Cash Rewards Credit Card
see rates & fee
Recommended credit
670-850 (Good to Excellent)
Rewards rate
3%
3% cash back in the category of your choice
2%
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%
1% cash back on all other purchases
Intro offer
$200
Annual fee
$0
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Read the full review
Pros
- No need to keep up with rotating bonus categories
- High sign-up bonus for a no-annual-fee card ($200 online cash rewards if you spend $1,000 in your first 90 days)
Cons
- There’s a $2,500 combined spend limit on 2% and 3% categories each quarter.
- You’ll pay a 3% foreign transaction fee.
Bottom Line
For consumers looking for a flexible everyday cash back card, the Bank of America Customized Cash Rewards card checks a lot of boxes, although cardholders need to be aware of the spending cap on bonus category rewards
Highlights
- $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 – now with expanded categories, 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.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- 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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
View All Bank of America® Customized Cash Rewards credit card Details
BEST BANK OF AMERICA BUSINESS CARD FOR FLEXIBLE CASH BACK CATEGORIES
Bank Of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card
see rates & fee
Recommended credit
740-850 (Excellent)
Rewards rate
3%
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%
2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter)
1%
1% cash back on all other purchases
Intro offer
$300
Annual fee
$0
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Read the full review
Pros
- You can earn bonus cash back on your choice of one of the following categories: gas stations & EV charging stations, office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services.
- 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 the highest Preferred Rewards for Business tier.
Cons
- There is a $50,000 spending cap each calendar year on combined spending on the 3% category of your choice and the 2% dining purchases category (you earn 1% thereafter), which may prove to be limiting.
- This card requires excellent credit to qualify for.
Bottom Line
If you are looking for a flexible cash back card for your business and your current spending matches up with one or more of the bonus category options, this card could prove to be quite rewarding, especially if you boost your rewards rate through the Preferred Rewards for Business program.
Highlights
- 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 & 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 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 Preferred Rewards for Business Platinum Honors 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 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 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 9 billing cycles for purchases
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Details
Bank of America® Travel Rewards credit card
See Rates & Fees
Rewards Rate
1.5X
1.5 points per $1 spent on all purchases
Intro offer
25,000 points
Annual fee
$0
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
highlights
- 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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
View All Bank of America® Travel Rewards credit card Details
Pros
- No need to worry about bonus categories, earning caps or maximizing redemption options
- Introductory APR offer on purchases and balance transfers completed within the first 60 days for new cardholders.
Cons
- Modest travel perks compared to some competitors
- May not be worth it for those not eligible to sign up for Bank of America Preferred Rewards
Bank of America® Premium Rewards® credit card
See Rates & Fees
Rewards Rate
2X
1.5X
2 points for every $1 spent on travel and dining purchases
1.5 points for every $1 spent on all other purchases
Intro offer
60,000 points
Annual fee
$95
Regular APR
20.24% – 27.24% Variable APR on purchases and balance transfers
Pros
- Generous rewards system and sign-up bonus
- Impressive list of travel perks and credits
Cons
- There’s a $95 annual fee, not waived the first year.
- Earned points are not transferable.
highlights
- 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.
- Low $95 annual fee.
- 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.
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
20.24% – 27.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Premium Rewards® credit card Details
Alaska Airlines Visa® credit card
See Rates & Fees
Rewards Rate
3 miles
2 miles
1 mile
Earn unlimited 4% cash rewards on 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
Intro offer
Limited Time Online Offer – 60,000 Bonus Miles
Annual fee
$95
Regular APR
20.24% – 28.24% Variable APR on purchases and balance transfers
Pros
- The free checked bag applies to you and up to six guests on the same reservation.
- There’s a generous sign-up bonus associated with this card.
Cons
- There is a $95 annual fee associated with this card.
- Reward seats might be limited on certain flights.
highlights
- 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 co-applicants and 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.
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
20.24% – 28.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Alaska Airlines Visa® credit card Details
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
See Rates & Fees
Rewards Rate
1.5X
1.5 rewards points for every $1 spent on all purchases
Intro offer
30,000 points
Annual fee
$0
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Pros
- This card lets you earn 3X points on travel when you book your travel (car, hotel, airline) through the Bank of America® Travel Center.
- Bank of America Preferred Rewards members can earn 25% to 75% more points on every purchase, meaning you could earn up to 2.62 points on every purchase.
Cons
- This card requires excellent credit to qualify for.
- There is no introductory APR for balance transfers.
highlights
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, 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 Preferred Rewards for Business Platinum Honors 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.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 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% to 28.49% 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 9 billing cycles for purchases
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Details
Bank of America® Customized Cash Rewards credit card
See Rates & Fees
Rewards Rate
3%
2%
1%
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
Intro offer
$200
Annual fee
$0
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
highlights
- $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 – now with expanded categories, 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.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- 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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
View All Bank of America® Customized Cash Rewards credit card Details
Pros
- No need to keep up with rotating bonus categories
- High sign-up bonus for a no-annual-fee card ($200 online cash rewards if you spend $1,000 in your first 90 days)
Cons
- There’s a $2,500 combined spend limit on 2% and 3% categories each quarter.
- You’ll pay a 3% foreign transaction fee.
MORE BUSINESS CARDS FROM BANK OF AMERICA
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
See Rates & Fees
Rewards Rate
3%
2%
1%
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)
1% cash back on all other purchases
Intro offer
$300
Annual fee
$0
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Pros
- You can earn bonus cash back on your choice of one of the following categories: gas stations & EV charging stations, office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services.
- 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 the highest Preferred Rewards for Business tier.
Cons
- There is a $50,000 spending cap each calendar year on combined spending on the 3% category of your choice and the 2% dining purchases category (you earn 1% thereafter), which may prove to be limiting.
- This card requires excellent credit to qualify for.
highlights
- 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 & 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 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 Preferred Rewards for Business Platinum Honors 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 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 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 9 billing cycles for purchases
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Details
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
See Rates & Fees
Rewards Rate
3%
2%
1%
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)
1% cash back on all other purchases
Intro offer
$300
Annual fee
$0
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Pros
- You can earn bonus cash back on your choice of one of the following categories: gas stations & EV charging stations, office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services.
- 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 the highest Preferred Rewards for Business tier.
Cons
- There is a $50,000 spending cap each calendar year on combined spending on the 3% category of your choice and the 2% dining purchases category (you earn 1% thereafter), which may prove to be limiting.
- This card requires excellent credit to qualify for.
highlights
- 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 & 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 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 Preferred Rewards for Business Platinum Honors 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 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 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 9 billing cycles for purchases
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Details
BEST BANK OF AMERICA CARD FOR ONLINE BUSINESS SERVICES
Bank of America® Platinum Plus® Mastercard® Business card
See Rates & Fees
Rewards Rate
4%
Earn unlimited 4% cash rewards on purchases
Intro offer
$200 Cash Rewards
Annual fee
$0
Regular APR
20.24%, 25.24%, Or 29.99% Variable APR
Bank of America® Platinum Plus® Mastercard® Business card
Recommended credit
670-850 (Good To Excellent)
Pros
- This card comes with a suite of online services, including automatic payments, transfers and downloading transactions into QuickBooks.
- Travel benefits include $100,000 in travel accident insurance and auto rental insurance, emergency ticket replacement and lost-luggage assistance.
Cons
- You do not earn any rewards when using this credit card for purchases.
- The intro APR period is relatively short compared to some competitors.
highlights
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Save on interest with a competitive purchase APR.
- No annual fee.
- 0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 16.49% to 27.49% will apply.
- Get employee cards at no additional cost to you and with credit limits you set.
- 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 7 billing cycles for purchases
Regular APR
16.49% – 27.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Platinum Plus® Mastercard® Business card Details
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
See Rates & Fees
Rewards Rate
1.5X
1.5 rewards points for every $1 spent on all purchases
Intro offer
30,000 points
Annual fee
$0
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Pros
- This card lets you earn 3X points on travel when you book your travel (car, hotel, airline) through the Bank of America® Travel Center.
- Bank of America Preferred Rewards members can earn 25% to 75% more points on every purchase, meaning you could earn up to 2.62 points on every purchase.
Cons
- This card requires excellent credit to qualify for.
- There is no introductory APR for balance transfers.
highlights
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, 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 Preferred Rewards for Business Platinum Honors 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.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 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% to 28.49% 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 9 billing cycles for purchases
Regular APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Details
MORE CARDS FROM BANK OF AMERICA
BEST FOR FLAT RATE CASH BACK
Bank of America® Unlimited Cash Rewards credit card
See Rates & Fees
Rewards Rate
1.5%
1.5% cash back on all purchases.
Intro offer
$200
Annual fee
$0
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Pros
- Bank of America Preferred Rewards® members earn 25% to 75% more cash back on every purchase, meaning you could earn up to 2.62% cash back on every purchase.
- This card has no annual fee and you don’t need to enroll in or track cash back categories.
Cons
- Depending on your spending habits, you might be able to earn more with a cash back credit card that features rotating bonus categories.
- You’ll need at least $20,000 across Bank of America and/or Merrill accounts to be eligible for any Preferred Rewards boost.
highlights
- $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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
View All Bank of America® Unlimited Cash Rewards credit card Details
BEST FOR SIGN-UP BONUS
Bank of America® Premium Rewards® credit card
See Rates & Fees
Rewards Rate
2X
1.5X
2 points for every $1 spent on travel and dining purchases
1.5 points for every $1 spent on all other purchases
Intro offer
60,000 points
Annual fee
$95
Regular APR
20.24% - 27.24% Variable APR on purchases and balance transfers
Pros
- Generous rewards system and sign-up bonus
- Impressive list of travel perks and credits
Cons
- There’s a $95 annual fee, not waived the first year.
- Earned points are not transferable.
highlights
- 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.
- Low $95 annual fee.
- 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.
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
20.24% - 27.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Premium Rewards® credit card Details
BEST FOR FREQUENT ALASKA AIRLINES FLYERS
Alaska Airlines Visa® credit card
See Rates & Fees
Rewards Rate
3 miles
2 miles
1 mile
Earn unlimited 4% cash rewards on 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
Intro offer
Limited Time Online Offer - 60,000 Bonus Miles
Annual fee
$95
Regular APR
20.24% - 28.24% Variable APR on purchases and balance transfers
Pros
- The free checked bag applies to you and up to six guests on the same reservation.
- There’s a generous sign-up bonus associated with this card.
Cons
- There is a $95 annual fee associated with this card.
- Reward seats might be limited on certain flights.
highlights
- 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 co-applicants and 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.
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
20.24% - 28.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Alaska Airlines Visa® credit card Details
BEST BUSINESS CREDIT CARD
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
See Rates & Fees
Rewards Rate
1.5%
1.5% cash back on all purchases
Intro offer
$300
Annual fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Pros
- The card charges no annual fee.
- The sign-up bonus has a reasonable spending requirement: Earn a $300 statement credit after you spend at least $3,000 on net purchases in your first 90 days.
Cons
- The card charges a pricey 4% balance transfer fee.
- The threshold for earning up to a 75% boost on rewards is quite high ($100,000 minimum balance in qualifying Bank of America accounts).
highlights
- 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 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 Preferred Rewards for Business Platinum Honors 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 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 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 9 billing cycles for purchases
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Details
Prime Choice For Flat-Rate Cash Rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
See Rates & Fees
Rewards Rate
1.5X
1.5 rewards points for every $1 spent on all purchases
Intro offer
30,000 points
Annual fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Pros
- This card lets you earn 3X points on travel when you book your travel (car, hotel, airline) through the Bank of America® Travel Center.
- Bank of America Preferred Rewards members can earn 25% to 75% more points on every purchase, meaning you could earn up to 2.62 points on every purchase.
Cons
- This card requires excellent credit to qualify for.
- There is no introductory APR for balance transfers.
highlights
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, 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 Preferred Rewards for Business Platinum Honors 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.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 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% to 28.49% 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 9 billing cycles for purchases
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Details
BEST BANK OF AMERICA CARD FOR ONLINE BUSINESS SERVICES
Bank of America® Platinum Plus® Mastercard® Business card
See Rates & Fees
Rewards Rate
4%
Earn unlimited 4% cash rewards on purchases
Intro offer
$200 Cash Rewards
Annual fee
$0
Regular APR
20.24%, 25.24%, Or 29.99% Variable APR
Bank of America® Platinum Plus® Mastercard® Business card
Recommended credit
670-850 (Good To Excellent)
Pros
- This card comes with a suite of online services, including automatic payments, transfers and downloading transactions into QuickBooks.
- Travel benefits include $100,000 in travel accident insurance and auto rental insurance, emergency ticket replacement and lost-luggage assistance.
Cons
- You do not earn any rewards when using this credit card for purchases.
- The intro APR period is relatively short compared to some competitors.
highlights
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Save on interest with a competitive purchase APR.
- No annual fee.
- 0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 16.49% to 27.49% will apply.
- Get employee cards at no additional cost to you and with credit limits you set.
- 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.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 7 billing cycles for purchases
Regular APR
16.49% - 27.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A
View All Bank of America® Platinum Plus® Mastercard® Business card Details
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Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.