Best Bank of America Credit Cards
April 2024
Bank of America is the second largest bank in the U.S. and offers a wide range of financial services. Unsurprisingly, it has quite a lineup of credit cards which includes 21 for personal use and 11 for small businesses. With so many options, finding the most beneficial one for your situation can be a challenge. So, with that, we present to you the best Bank of America credit cards picks.
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Jason Gaughan, credit card executive at Bank of America, says, “Consumers should choose a rewards credit card that best suits their needs. For example, if you travel frequently, a flexible travel rewards credit card that offers cardholders unlimited points on all purchases, such as the Bank of America Travel Rewards credit card, is a great choice.”
To save you research time, we’ve highlighted the best Bank of America credit cards currently available.
Find the best credit card for your needs
Bank of America offers a wide selection of credit cards with some standout offers, but it's not the only issuer you should check. There are many other companies with competitive offers which that could be a better fit for your shopping habits and lifestyle. By comparing offers from multiple issuers, you can ensure you get the most out of your card.
Not sure how to get started on your research? Head over to SuperMoney's Credit Card Review Page where you can apply filters to see the cards that match your specifications. Then, compare the rates and terms side-by-side.
FAQs on Bank of America Credit Cards
What credit score is needed for Bank of America credit card?
Your Bank of America credit card approval odds are best if you have a credit score of 750 or higher. Most Bank of America credit cards require excellent credit for approval.
Does Bank of America pre-qualify credit cards?
Pre-qualification doesn't affect your credit at all since it uses a soft inquiry. But if you want to apply for a card, Bank of America will do a hard inquiry, which will cause a temporary score dip. This decrease is easily fixed with a few months of responsible card use, though.
How long does it take to get a credit card from Bank of America?
Bank of America® doesn't expedite new cards, but you can request rush delivery on replacement cards. Otherwise, you'll have to wait for 7-10 business days.
Does Bank of America increase credit limits automatically?
If you are able to stick to paying off your bills on time and not maxing out your credit card, you might receive an automatic credit limit increase after about six months or a year.
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SuperMoney
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