Bank of America offers a wide range of credit cards to suit various consumer needs. Whether you’re looking for cash back rewards, travel perks, or a card with no annual fee, Bank of America has a credit card that can fit your lifestyle.
In this article, I will guide you through the best Bank of America credit cards available, highlighting their features, benefits, and rewards programs to help you find the perfect card for your wallet.
1. Alaska Airlines Visa® credit card
Best for Alaska Airlines Flyers
The Alaska Airlines Visa® credit card (review) offers valuable perks for frequent Alaska flyers, including a free checked bag and an annual companion fare from $122 when meeting spending requirements. This card excels with its ability to earn hard-to-get Alaska miles, which provide exceptional value when redeeming for partner airline flights, especially in premium cabins. Welcome Bonus: Receive 60,000 Miles plus Alaska’s Famous Companion Fare after making $3,000 in purchases within the first 90 days; Additionally, receive a 30% flight discount code after account opening. Earning Miles: 3x miles on Alaska Airlines purchases; 2x miles at gas stations, cable, streaming services, and local transit (rideshare, trains, tolls, etc.); 1x miles on all other purchases. Card Benefits: Free first checked bag and priority boarding for you and up to six travel companions, annual companion fare, 20% in-flight savings, 10% rewards bonus with a Bank of America account, $100 off Alaska Lounge+ Membership, no foreign transaction fees, and Visa Signature benefits.
2. Alaska Airlines Visa® Business card
Best Business Card for Alaska Airlines Flyers
The Alaska Airlines Visa® Business card (review) rewards Alaska Airlines purchases nicely while offering practical perks like priority boarding and free checked bags for you and up to 6 companions. Though the card has modest earning rates on other purchases, the companion fare benefit and flexibility to redeem miles on partner airlines make it worth considering.
Welcome Bonus: Get 75,000 bonus miles and Alaska’s Famous Companion Fare™ ($99 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.
Earn Rewards: 3x miles on Alaska Airlines purchases; 2x miles on eligible gas, EV charging, shipping, and local transit (including rideshare) purchases; 1x miles on all other eligible purchases.
Card Benefits: Free checked bag for you an up to 6 travel companions, priority boarding when you pay with your card , annual companion fare if you spend $6,000 or more each year, 20% back on in-flight purchases, $100 off an Alaska Lounge+ Membership, 10% rewards bonus on all miles earned from purchases if your company has an eligible Bank of America account, and no foreign transaction fees.
3. Bank of America® Premium Rewards® credit card
Best Starter Travel Card
The Bank of America® Premium Rewards® credit card is a travel rewards card offering a $100 airline fee credit, Global Entry/TSA PreCheck credit, and nice travel and purchase protections.
Welcome Bonus: bonus_miles_full
Earn Rewards: 2x points on travel and dining purchases; 1.5x points on all other purchases.
Card Benefits: $100 annual Airline Incidental Fee statement credit, Global Entry or TSA PreCheck credit, travel insurance (trip delay, trip cancellation, baggage delay, secondary rental car, and lost luggage), purchase protection, extended warranty, and return protection.
4. Air France KLM World Elite Mastercard®
Best for Flying to Europe
The Air France KLM World Elite Mastercard® (review) gives travelers a simple way to earn Flying Blue miles through everyday spending and airline purchases. This card is a solid choice for frequent Air France and KLM flyers who want to supplement their Flying Blue miles earnings, though it lacks common airline card perks like free checked bags. Welcome Bonus: Earn 70,000 Bonus Miles plus 40 XP (Experience Points) after you make $3,000 or more in purchases within the first 90 days of your account opening. Plus get 60 XP upon approval! Earning Rewards: 3x miles on purchases directly with Air France, KLM, and SkyTeam member airlines; 1.5x miles on all other purchases. Card Benefits: Earn 5,000 bonus miles each account anniversary after spending $50 during a cardmember year; earn 20 XP elite points each account anniversary and 40 XP after spending $15,000 in a cardmember year; no foreign transaction fees; and Mastercard World Elite benefits.
5. Bank of America® Travel Rewards credit card
Best No Annual Fee Card
The Bank of America® Travel Rewards credit card is a no annual fee card that earns 1.5x points on all purchases and an intro APR offer on purchases and balance transfers.
Welcome Bonus: bonus_miles_full
Earn Rewards: Unlimited 1.5x points on all eligible purchases.
Card Benefits: No foreign transaction fees, secondary rental car insurance, roadside dispatch, and 0% Intro APR for your first 15 billing cycles for purchases and for any balance transfers made within the first 60 days of opening your account, after that a reg_apr,reg_apr_type applies
6. Bank of America® Customized Cash Rewards credit card
Best for Cash Back
The Bank of America® Customized Cash Rewards credit card is a no annual fee cash back card that allows you to earn 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.
Welcome Bonus: bonus_miles_full
Earn Rewards: 3% in your top category consisting of gas and EV charging stations, online shopping (including cable, internet, phone plans and streaming), dining, travel, drug stores and pharmacies, or home improvement and furnishings; 2% cash back at grocery stores and wholesale clubs; 1% cash back on all other eligible purchases. (3% and 2% categories are limited to the first $2,500 in combined purchases each quarter at each level, then 1% thereafter).
Card Benefits: 0% Intro APR for your first 15 billing cycles for purchases and balance transfers made within the first 60 days of opening your account, after that a reg_apr,reg_apr_type.
7. Sonesta World Mastercard®
The Sonesta World Mastercard® is the only credit card that earns Sonesta TravelPass points and offers nice perks such as Gold Elite status, 3x points on Sonesta purchases, and no foreign transaction fees.
Welcome Bonus: Earn 60,000 points after spending at least $1,000 within your first 90 days; 5,000 additional points after adding an authorized user within your first 90 days.
Earn Rewards: 3x points on purchases at Sonesta Hotels; 2x points on eligible airfare, car rental, and dining purchases; 1x points on all other eligible purchases.
Card Benefits: Sonesta Gold Elite status, no foreign transaction fees, and 30,000 bonus points on your Account Anniversary if you spend at least $7,500 on purchases in a year.
Our Methodology
When curating our list of the best credit cards, we employ a comprehensive review process that reviews over 150 cards to ensure we provide recommendations that suit a wide array of financial needs and preferences. Our methodology is data-driven and consumer-focused, taking into account the following key factors:
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Welcome Bonuses: We assess the value of the welcome bonuses offered by credit cards, understanding that a substantial initial bonus can significantly enhance the cardholder’s value proposition.
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Fees: It’s essential to consider the cost of owning a credit card. We evaluate annual fees, balance transfer fees, and foreign transaction fees, among others, to determine how they might offset the card’s benefits.
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Rewards: We analyze the rewards structure of each card, looking at the earning rate on purchases, the variety of categories that earn rewards, the overall value of the rewards points or miles, and redeeming points, miles, or cash back.
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Travel Benefits: For cards tailored towards travelers, we review all of the cards’ travel benefits including, airport lounge access, travel insurance, and no foreign transaction fees, to judge the card’s utility for frequent travelers.
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Purchase Benefits: We also consider purchase benefits such as extended warranty, purchase protection, cell phone insurance, and return protection, which can provide additional value and peace of mind for cardholders.
Our selections are regularly updated to reflect the most current offers and card features, ensuring our readers have access to the most relevant and beneficial credit card options on the market.
