Bank of America Credit Card Offerings

Below are the primary personal credit cards available to U.S. consumers. Each delivers unique benefits—whether you prioritize travel, cash back, or premium services.

Premium Rewards® Elite Credit Card

• Rewards: 2 pts/US$1 on travel & dining; 1.5 pts on all other purchases.
• Welcome Bonus: 75,000 pts after US$5,000 spend in 90 days (worth US$750) The Points GuyBank of America
• Annual Fee: US$550; offsets include US$450 annual statement credits (airline & lifestyle) and TSA PreCheck/Global Entry credit.
• Differentiators: All‑metal design, four Priority Pass™ lounge memberships, bespoke concierge.
• Ideal For: High‑spenders seeking premium perks and travel protections.

Premium Rewards® Credit Card

• Rewards: 2 pts/US$1 on travel & dining; 1.5 pts on other purchases.
• Welcome Bonus: 60,000 pts after US$4,000 spend in 90 days (worth US$600) The Points GuyBankrate
• Annual Fee: US$95; includes US$100 airline incidentals and US$100 Global Entry/TSA PreCheck credits.
• Differentiators: Elevated points without exorbitant fees; no foreign transaction fees.
• Ideal For: Frequent travelers wanting premium benefits at moderate cost.

Customized Cash Rewards® Credit Card

• Rewards: 3% cash back in one chosen category (gas, online shopping, dining, travel, drug stores, home improvement) up to US$2,500/quarter; 2% at grocery & wholesale; 1% elsewhere.
• Welcome Bonus: US$200 cash bonus after US$1,000 spend in 90 days The Points Guy
• Annual Fee: US$0.
• Differentiators: Monthly category selection; partner cards donate to charities (e.g., Susan G. Komen).
• Ideal For: Those who want flexibility to match evolving spending.

Travel Rewards® Credit Card

• Rewards: Unlimited 1.5 pts/US$1 on all purchases; points never expire.
• Welcome Bonus: 25,000 pts after US$1,000 spend in 90 days (worth US$250 travel credit) Bank of America
• Annual Fee: US$0; no foreign transaction fees.
• Differentiators: Flat-rate travel earnings; boost to 3 pts/US$1 when booking through the Bank of America Travel Center.
• Ideal For: Casual travelers wanting simple, fee‑free rewards.

Unlimited Cash Rewards® Credit Card

• Rewards: Unlimited 1.5% cash back on all purchases;
• Bonus: US$200 cash bonus after US$1,000 spend in 90 days NerdWallet: Finance smarter
• Annual Fee: US$0.
• Differentiators: Preferred Rewards members earn up to 2.625% back; 0% Intro APR for 15 billing cycles on purchases & balance transfers.
• Ideal For: Loyal BofA clients seeking hassle‑free, flat cash back.

BankAmericard® Credit Card

• APR Offer: 0% Intro APR for 18 billing cycles on purchases & balance transfers (first 60 days).
• Annual Fee: US$0.
• Differentiators: Longest 0% APR term for debt consolidation; ideal for financing big purchases.
• Ideal For: Those seeking low‑cost financing without rewards focus NerdWallet: Finance smarter.

Alaska Airlines Visa Signature® Credit Card

• Rewards: 3 miles/US$1 on Alaska Airlines purchases; 2 miles on gas, EV charging, cable, streaming, transit; 1 mile elsewhere.
• Welcome Bonus: 60,000 miles + 30% flight discount code + Companion Fare after US$3,000 spend in 90 days The Points Guy
• Annual Fee: US$95; includes free checked bag, partner lounge access.
• Ideal For: Frequent Alaska flyers seeking companion fares.

Air France KLM World Elite Mastercard®

• Rewards: 3 miles/US$1 on SkyTeam flights; 1.5 miles on all other purchases.
• Welcome Bonus: 50,000 miles after US$2,000 spend in 90 days The Points Guy
• Annual Fee: US$89; no foreign transaction fees.
• Ideal For: Travelers loyal to Air France, KLM, and SkyTeam alliances.

Step-by-Step: Download the Mobile Banking App

1. Open App Store/Google Play on your smartphone.
2. Search for “Bank of America Mobile Banking.”
3. Verify the publisher: Bank of America, N.A.
4. Tap Install/Get, then Open.
5. Enroll using your Online Banking ID and follow security prompts (PIN, biometric).
6. Enable Erica® and push notifications for real‑time alerts.

Frequently Asked Questions

Q1: Which Bank of America card offers the highest rewards boost?
The Premium Rewards Elite card paired with Preferred Rewards Platinum Honors yields up to 2.625 pts/cash back on every dollar.

Q2: How do I qualify for Preferred Rewards?
Maintain a three‑month average combined balance of at least US$20,000 across Bank of America and Merrill accounts. NerdWallet: Finance smarter

Q3: Are there foreign transaction fees?
Most travel and premium cards (Premium Rewards, Travel Rewards, Elite) waive foreign transaction fees.

Q4: Can I upgrade my card within Bank of America?
Yes. Responsible use can trigger automatic upgrade offers—e.g., Customized Cash Rewards to Premium Rewards after meeting spend and credit criteria.