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Bank of America is the second-largest bank in the United States when it comes to total assets. As a result, this bank’s credit cards are “too big to ignore.” If you are a Bank of America customer (or thinking about joining), you should consider the best Bank of America credit cards.
You should pay close attention to these cards if you are a Preferred Rewards member. Having at least $20,000 with Bank of America banking, Merrill investments, or both, means you can earn a loyalty bonus with select credit cards.
Bank of America Premium Rewards Credit Card
The Bank of America® Premium Rewards® Credit Card earns unlimited 2x points on travel and dining. Additionally, cardholders earn 2x points for every $1 spent on grocery store purchases, now through 12/31/2021. Non-bonus purchases earn unlimited 1.5 points per $1. Preferred Rewards members can earn up to 25%-75% more points on every purchase.
There is no limit to the points you can earn and your points don’t expire.
It can be one of the best credit cards for travel miles, especially if you are already a Bank of America member.
Each point is worth 1 cent and redeemable for Bank of America banking or Merrill investment account deposits. You can also redeem your points for upcoming travel on the Bank of America Travel Center, cash statement credits, or gift cards.
While this card doesn’t offer point transfers or travel redemption bonuses like the Chase Sapphire Preferred, you do get two other travel perks. You get a $100 airline incidental fee credit and a Global Entry/TSA PreCheck application fee credit.
The annual fee is $95. The signup bonus is 50,000 bonus points (worth $500 in award travel) by spending $3,000 in the first 90 days of account opening.
Learn more: Travel Rewards Credit Cards
Bank of America Travel Rewards Credit Card
The Bank of America® Travel Rewards Credit Card doesn’t have an annual fee or foreign transaction fee. Every purchase earns 1.5 points per $1 spent. Being a Platinum Honors Preferred Rewards member means you can earn up to 75% more points (2.62 points per $1 spent).
You can redeem your 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. Each point is worth 1 cent each with the Bank of America Travel Rewards Visa credit card.
The signup bonus is 25,000 bonus points worth $250 in award travel via a statement credit by spending $1,000 on purchases in the first 90 days.
Learn more: Travel Rewards Credit Cards
Tip: See what other cards are our favorite no annual fee travel credit cards.
Alaska Airlines Visa Signature Credit Card
The information for the Alaska Airlines Visa Signature® credit card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Alaska Airlines Visa Signature® credit card is probably the best of the co-brand Bank of America airline credit cards. This is one of the easiest ways to earn Alaska miles you can redeem for award flights. For example, one-way flights to Hawaii start at 15,000 miles per person.
You earn 3x miles on Alaska Airlines purchases and 1x miles for everything else. The Alaska Airlines credit card also includes these benefits:
- Free checked bag on Alaska flights (you and up to 6 guests)
- 50% off Alaska Lounge day passes
- 20% off Alaska inflight purchases
Another exciting benefit of the Alaska Airlines Visa is the annual Companion Fare. You get a domestic round-trip coach fare from $121 ($99 plus taxes and fees) each year. Due to this and other benefits, this can be one of the best credit cards for travel rewards.
This card’s signup bonus is 40,000 bonus miles by spending $2,000 in the first 90 days of account opening. Reaching this spending milestone also gives you a free Companion Fare so you don’t have to wait until your first card anniversary.
Enjoy an introductory annual fee of $0 for the first year; a $75 fee will apply to accounts thereafter.
Bank of America Customized Cash Rewards Credit Card
For tiered cash rewards, check out the Bank of America® Customized Cash Rewards Credit Card. Purchases either earn 3%, 2%, or 1% back. Preferred Rewards members will earn up to 5.25% back on purchases making this one of the best cash back credit cards.
You get 3% back on one bonus category of your choice like online shopping, gas, or travel. Grocery stores and wholesale clubs earn 2% back. The bonus cash is awarded on the first $2,500 in combined 3% and 2% bonus category spending. All non-bonus purchases earn an unlimited 1% back.
There is no annual fee but there is a 3% foreign transaction fee. The signup bonus is $200 bonus cash by spending $1,000 on purchases in the first 90 days of account opening.
Learn more: Cash Back Credit Cards
BankAmericard Secured Card
The information for the BankAmericard® Secured card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The BankAmericard® card is a secured card and perfect for building credit. Your refundable security deposit (up to $4,900) is equal to your card spending limit. Exceptional cardholders with a positive payment history may qualify to have their security deposit refunded while still owning this secured card.
Tip: Read more about some of the best balance transfer credit cards if this is something you’re interested in.
This card doesn’t earn rewards on purchases but has no annual fee. Bank of America also provides a free monthly FICO credit score so you can track your credit-building progress in real-time. This is the same credit score banks use to review your credit card application (some people pay a monthly fee to access their FICO credit score).
Sonesta World Mastercard
The information for the Sonesta World Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
- Sonesta Travel Pass loyalty benefits
- Earn 3x points on eligible Sonesta purchases
- Earns 2x points on eligible airfare, car rental, and dining (1x points for everything else)
- Get up to 95,000 bonus points in the first year
- Introductory $0 annual fee (then $75)
The signup bonus lets you get up to 6 free nights at Sonesta properties. This is a tiered sign-up bonus:
- 60,000 bonus points by spending $1,000 in the first 90 days
- 5,000 bonus points by adding an authorized user within the first 90 days
- 30,000 bonus points at your account anniversary if you spend at least $7,500 on purchases every year
Owning this card enrolls you in the Sonesta Travel Pass loyalty program. Benefits include a minimum 5% savings when booking stays and earning 10x points on Sonesta stays (plus the 3x credit card benefits).
Virgin Atlantic World Elite Mastercard
The information for the Virgin Atlantic World Elite Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
For international travel, the Virgin Atlantic World Elite Mastercard® is a sleeper pick for being one of the best travel rewards credit cards. You earn 3x miles on Virgin Atlantic purchases and 1.5x miles for everything else. Making $25,000 in annual card purchases gives you a same cabin class-companion ticket when you redeem miles for your ticket.
Some of the best flight options are flying Virgin Atlantic Upper Class from the U.S. to the U.K from 95,000 miles plus fees and taxes each way. You can also book partner flights on Delta, ANA, and Hawaiian Airlines.
Like other co-brand Bank of America credit cards, this lets you earn bonus points every year. New cardholders can earn up to 80,000 bonus Virgin Points! Earn 60,000 bonus Virgin Points after spending $2,000 or more on purchases within the first 90 days of account opening. Then, earn up to 15,000 bonus Virgin Points every anniversary after qualifying purchases. Also, earn up to 5,000 bonus Virgin Points when you add additional cardholders to your account.
The annual fee is $90. There is no foreign transaction fee.
Preferred Rewards members will want to first focus on the Bank of America credit cards offering a loyalty bonus. However, you can also build credit with their Americard Secured Credit Card or book more award flights with a co-brand airline credit card like the Alaska Airline Visa.
Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.