Which boa credit card is the best

Students looking to build their credit while also earning cash back or travel rewards can benefit from a Bank of America Student credit card. Bank of America offers many credit cards with no annual fee. Bank of America generally requires good or excellent credit for the majority of its consumer and business cards. A good to excellent FICO credit score ranges from to Bank of America does consider those with no credit history for its student card options and those with lower scores for its non-rewards and secured card options.

To apply for a Bank of America credit card, you can complete an online application and get a response in as little as 60 seconds. You will be asked to fill in some demographic information name, address , information about your citizenship including Social Security number , as well as employment information including your total annual income and primary source of income. Once you have submitted all of your information, you will receive one of four decision messages.

One is that your application has been approved. In this case, you can expect to receive your credit card within 10 days. You might also receive a message saying your application has been approved, but for a different card. Finally, you may receive a notice saying you have been declined. Bank of America received a score of out of 1, points in the J. Power U. Credit Card Satisfaction Study and ranked third out of 11 major national credit card issuers. The average score among major issuers was Its mobile app was ranked above average for consumer satisfaction, scoring fifth in a J.

Power survey. Bank of America can trace its roots to the Bank of Italy, started by an Italian immigrant to serve his community in Bank of America launched the BankAmericard in , which was the second universal credit card ever offered, with Diners Club being the first. The card network behind the BankAmericard eventually evolved into Visa after being spun off from the bank in the s.

To choose the best Bank of America credit cards, we filtered our list of nearly credit cards. We looked at credit card features including rewards, bonus offers, interest rates, fees, and benefits. We also considered the security of the card and the level of customer service provided. A weighted algorithm was used to determine which cards would be included in our final list. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One.

Prior to Investopedia, he managed credit card content for CreditCards. Power Finds. Your Privacy Rights. To change or withdraw your consent choices for Investopedia. You can also redeem points for restaurant purchases. If you can take advantage of the Preferred Rewards program bonus or you travel infrequently and want to avoid an annual fee, this card is an excellent choice.

The card has a low sign-up bonus compared with some of the top travel cards on the market. Earn unlimited 1. Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions. Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.

After the intro APR ends, That means you could earn up to 2. It comes with a bevy of travel perks that make it well worth the annual fee. Earn 2 points per dollar spent on travel and dining and 1. Points are worth the same whether you redeem them for travel or cash back. Points can't be transferred to partner airline or hotel programs for potentially greater value, as is the case with several competing cards.

Earn 1. No limit to the points you can earn and your points don't expire. That means you could earn up to 3. This card doesn't offer rewards, and there's little incentive to use it after you've paid off your balance.

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By Ben Luthi. Ben Luthi has been writing about personal finance since , helping people understand how to make the most of credit card rewards and make smart financial decisions. Learn about our editorial policies. Updated September 23, Verified by Marisa Figat. Article Verified January 26, Learn about our Financial Review Board. Fact checked by Michael Rosenston.

This card will give you the freedom to change your rewards every month to maximize your spending , and then revert back to other spending categories once you are traveling and going to work again. Earning rate: 2x on travel and dining, and 1. Plus, earn 2x points on grocery store purchases- now through the end of Why you should apply: For such a low annual fee, this Bank of America card packs a punch.

Plus, the fact that you earn 1. If you already have high-value accounts with Bank of America, then getting this card is a no-brainer. If not, establishing a new banking relationship — like The Points Guy, Brian Kelly, did — may be a profitable move. Related: The 5 credit cards The Points Guy is using the most in Earning rate: 3x on eligible Alaska Airlines purchases and 1x on other purchases. Why you should apply: Alaska miles open up some exciting redemption options. TPG values Alaska miles at 1.

Alaska miles are even more valuable now that Alaska has joined Oneworld and American Airlines and Alaska have launched reciprocal mileage earning. Earning rate: 3x on eligible Spirit purchases, 2x on eligible dining and grocery store purchases, and 1x on all other purchases. Why you should apply: Spirit is an ultra-low-cost carrier with a no-frills approach to flying. This card offers a solid way to rack up miles for this airline and an easy-to-hit welcome bonus.

Related: Hear us out: Why Spirit gives Delta a run for its money in our head-to-head comparison. Why you should apply: Just like the personal version of this card, the Bank of America Business Advantage Customized Cash Rewards Mastercard allows you customize your rewards structure to fit your needs.

Earning rate: 3x on travel booked through Bank of America Travel Center and 1. Why you should apply: For a no-annual-fee card, it has quite a lucrative earning potential — especially if you tend to book travel through a third-party platform such as Expedia. Bank of America cards can be broken down into three categories: Bank of America-branded cards, airline cards and business cards.

Airline cards are cobranded options for flyers loyal to certain airline programs.