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Last fact checked: Oct. 7, 2026
Best Bank of America Credit Cards of October 2026
Bank of America offers one of the most flexible credit card lineups among big banks, covering everything from flat-rate cash back to premium travel rewards and secured and student cards. The BofA Rewards™ program is a key differentiator: qualifying Bank of America banking and Merrill customers can earn a 10% to 75% bonus on rewards with eligible cards. Below, compare Bank of America credit cards side by side so you can match the right card to how you actually spend.
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The Bank of America card portfolio can offer additional value for customers who already bank with Bank of America, but there are strong standalone picks too. The suits people who want to choose their top earning category; the works well for simple, fee-free travel earning; and the targets shoppers who want premium travel perks without a $500+ annual fee.
Considerations:
Before applying, consider whether you have an eligible Bank of America checking, savings, or Merrill account. BofA Rewards™ status can meaningfully change which cards give you the best return. If you're new to Bank of America, a standalone cash rewards or travel rewards card with no annual fee is usually the safest starting point.
Frequently Asked Questions:
What credit score do I need for a Bank of America credit card?
Most Bank of America cash rewards and travel cards are aimed at applicants with good to excellent credit. The is more accessible for building or building credit.
What is the BofA Rewards™ program?
BofA Rewards™ is a loyalty program for Bank of America banking and Merrill customers. Your tier is based on your combined account balances, with higher balances unlocking higher tiers. Members can earn a 10% to 75% bonus on rewards with eligible credit cards, which can significantly boost overall earnings.
Does Bank of America let you pre-qualify without a hard inquiry?
Yes. Bank of America offers a pre-qualification tool on their website that uses a soft credit check, so it won't affect your credit score. Pre-qualification is not a guarantee of approval, but it's a low-risk way to see which cards you're likely to be approved for.
Can I have multiple Bank of America credit cards?
Yes, it's possible to have multiple Bank of America credit cards. Some cardholders use different cards to maximize rewards. For example, pairing a cash rewards card for category spending with a flat rate card for everyday purchases. Bank of America will evaluate total credit exposure on each application.
How long does Bank of America take to approve a credit card application?
Some applicants receive an instant decision online. If your application needs further review, Bank of America may take several business days to respond. You can check your application status online or by calling the number provided after you apply.
Bank of America
Guides & Insights
The Scale Behind the Name
Bank of America is one of the four institutions that anchor the U.S. financial system. Here's a plain-language look at its size, reach, and how it got here.
How Americans Are Spending and Borrowing Right Now
Bank of America's proprietary data gives an unusually real-time read on the U.S. consumer. Paired with Federal Reserve figures, it paints a clear picture of spending, debt, and financial health.
How BankAmericard Helped Shape the Modern Credit Card
How a San Francisco bank built for immigrants created the modern credit card — and grew into one of the largest financial institutions in the world.
Inside Bank of America's Digital Machine
Bank of America is one of the four institutions that anchor the U.S. financial system. Here's a plain-language look at its size, reach, and how it got here.
