How Do Bank of America Cards Stack Up?

Bank of America cards are a great choice for people who have good to excellent credit. They have a variety of cards with a lot of benefits tailored for individual uses. Below you will find a more in-depth discussion of the various types of cards offered.

Are Bank of America cards the right ones for you?

Obviously, everybody knows who Bank of America is - only one of the largest banks in the country. However, many people aren't as aware that, besides providing banking services and loan options, they also have their own credit cards as well.

So what are the varieties of credit cards that Bank of America offers? They offer rewards and cash back cards, plus travel and business cards. The also offer secured cards to help their banking customers rebuild their credit and various cards for college students including cash back and travel rewards.

In particular, some of the main ones you should look into are rewards cards, as these give you points to use on great services or products such as TV's, airline tickets, gift cards and much more. If you do a lot of traveling, I'd highly recommend considering one of their rewards credit cards.

Remember, you're going to be spending the money either way, so why not get a benefit every time you do. As long as you don't go out of your way to spend more in order to accumulate more points (which would defeat the purpose), you will definitely benefit from these credit cards. Any rewards you earn can be managed through the BankAmericard Rewards portal.

Bank of America also offers co-branded credit cards which support various charities, highlight sports teams, and offer additional points on select airlines and cruise ships. Be sure to inquire about all the cards available to you before you fill out your application.

There are distinct benefits and perks for each Bank of America credit card offer, so it’s important to compare the differences before making a decision.  

So what does a Bank of America credit card come with?

With the cash rewards card, you'll earn cash back on your everyday purchases. And you can change cash back categories every three months. If you like to travel, they also offer various travel rewards cards that let you earn points for every purchase. Their travel cards also offer sign up bonuses for both the personal and business travel cards.

Also, you receive a zero percent introductory APR with the Bankamericard, another huge benefit. As with most cards nowadays, there is no yearly fee (except on the Premium Rewards Card), so this isn't a huge selling point. But again, it's something worth considering.

You can be very confident that you won't be liable if your card gets stolen, as they have a $0 liability guarantee against fraudulent use of your card.

Final Thoughts

If you qualify for certain Bank of America credit cards and are enrolled in their preferred rewards program, you can also earn additional rewards. 

Of course, keep in mind that these cards aren't available to just anybody, but if you qualify, the rewards are more than worth it. Generally, you will need to have a good credit score in order to qualify for these cards (at least 670 or above). So it’s a good idea to check your credit score before you apply.  

Article by William Perry

In addition to the Bank of America cards, you can learn more about credit cards issued by the following banks:

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