Bank of America Credit Card Reviews, Rules & Opinions

The different types of Bank of America cards include rewards cards, cash back cards, co-branded cards, student cards, secured cards and business cards. In all, the bank currently has 27 cards on offer. If you wish to qualify for the best Bank of America credit cards, you’ll typically need a credit score of over 750. However, the bank also has cards for people with credit scores of over 650.

Students with little to no credit history get a few options to choose from, as do people who wish to build their credit by using secured cards.

Bank of America has 27 credit cards in its portfolio. These include rewards credit cards for individuals and businesses, student credit cards, secured credit cards and a few co-branded cards. A number of these cards come with spend-based welcome bonuses in the form of cash rewards, statement credits and bonus points.

In addition to the featured cards mentioned above, Bank of America also offers the following cards:

• Bank of America Unlimited Cash Rewards Card: This card is best suited for people who don't want to pay annual fees and wish to earn 1.5% cash back on all purchases.
• Bank of America Premium Rewards Elite Card: You may want to consider getting this card, which comes with a $550 annual fee, if you're looking for premium benefits and statement credits.
• Bank of America Unlimited Cash Rewards for Students Card: This card with no annual fees is ideal for students who wish to earn 1.5% cash back on all purchases.
• Bank of America Unlimited Cash Rewards Secured Card: You may want to consider getting this no-annual-fee secured card if you wish to build your credit and earn 1.5% cash back on all purchases.
• Business Advantage Unlimited Cash Rewards Card: This business card with 1.5% cash back on all purchases may work well for business owners looking for a straightforward, no-annual-fee option.

Our experts review this list of the top three Bank of America credit cards every month. Their revised selection takes into account aspects such as reward categories, welcome bonuses, annual fees and added perks.

If you plan to apply for a Bank of America credit card, you might benefit by looking at aspects such as eligibility criteria, the number of cards you may get and how often you may claim welcome bonuses.

While you need to look at card-specific features before selecting one that works well for you, you might benefit by looking at how Bank of America fares across different, more general parameters as well.

Given the different types of Bank of America cards on offer, there’s a good chance you’ll find one to suit your requirements. For instance, it has cards for people who have poor credit and options for students. Depending on what you’re looking for in your new credit card, getting a Bank of America card might work well for you in different scenarios.

If you’re still not sure about whether you should get a Bank of America credit card, consider checking what other leading credit card issuers have to offer. You may also want to look at cards from specific categories such as travel rewards, cash back and balance transfers.

>>MORE: YOUR GUIDE TO CARRYING OUT BALANCE TRANSFERS WITH BANK OF AMERICA