Save on Travel, Earn Cash Back, and More: The Best Bank of America Cards Available This Week, Dec. 31, 2025
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I have a personal motto when it comes to credit cards: The simpler, the better. A credit card is only worth it if it makes your life easier -- not if you spend hours juggling bonus categories or figuring out redemption options.
And if simplicity's what you're looking for, a Bank of America card could be just what you need. They're some of the least complicated credit cards out there, while still offering plenty of value if you use them correctly.
Ready to assess your options? Here's our list of the best Bank of America cards available to close out the year.
Best Bank of America cards this week
On Bank of America's Secure Website.
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Good/Excellent (670-850)
Intro APR See Terms for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently See Terms will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Purchases: See Terms
Balance Transfers: See Terms
Regular APR
See Terms (Variable)
Rewards Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
1.5%-2% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200 cash back
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This is a solid pick for one-card wallet seekers who want a straightforward, unlimited cash back card – plus a strong $200 bonus & Intro APR offer. It’s a particularly good fit for Bank of America Preferred Rewards members, who can earn 25%-75% more points on every purchase, depending on your tier. (The Preferred Rewards bonus does not apply to the .5% first-year bonus.)
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- Unlimited cash back
- Sign-up bonus
- No annual fee
- Great intro APR offer
- No bonus categories
- Balance transfer fee
- Foreign transaction fee
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- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
On Bank of America's Secure Website.
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= Best
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= PoorOn Bank of America's Secure Website.
Earn 6% cash back in the category of your choice -- like dining, travel, or online shopping -- for the first year. Plus, score a $200 cash rewards bonus after qualifying purchases.
Good/Excellent (670-850)
Intro APR See Terms for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently See Terms will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Purchases: See Terms
Balance Transfers: See Terms
Regular APR
See Terms (Variable)
Rewards Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
1% - 6% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200 cash back
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This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 6% earnings for the first year in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America Preferred Rewards member, this card will be even more valuable for you.
Read Full Review -
- Competitive welcome bonus
- Bonus cash back in a category of your choice
- No annual fee
- Great intro & transfer APR offer
- Relationship rewards bonus
- Foreign transaction fee
- Limit on bonus cash back
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- Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
On Bank of America's Secure Website.
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Earn 25,000 bonus points when you spend just $1,000 in your first 90 days — that’s worth $250 toward travel with this favorite card!
Good/Excellent (670-850)
Intro APR See Terms for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently See Terms will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Purchases: See Terms
Balance Transfers: See Terms
Regular APR
See Terms (Variable)
Rewards Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
1.5-3 points per dollar
Annual Fee
$0
Welcome Offer 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
25,000 points (worth $250)
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If you’re looking for a top travel card without an annual fee, this one is tough to beat. It offers a generous welcome bonus worth $250 after spending just $1,000 within 90 days of account opening, plus a simple yet valuable rewards structure: unlimited 1.5X points on all purchases and 3X points on travel booked through Bank of America.
A See Terms period of 15 billing cycles for both purchases and balance transfers (then See Terms (Variable)) allows you to avoid interest for over a year – a very rare perk for a travel card. And while many travel cards charge hundreds of dollars in annual fees, this one charges $0 – making it one of our top value picks.
Read Full Review -
- Big sign-up bonus
- No annual fee
- Competitive rewards rate on purchases
- Great intro APR offer on purchases and balance transfers
- Limited ways to use points
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- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- 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.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
On Bank of America's Secure Website.
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= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorOn Bank of America's Secure Website.
Excellent (740-850)
Intro APR See Terms on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently See Terms will apply.
Purchases: See Terms
Balance Transfers: N/A
Regular APR
See Terms (Variable)
Rewards Earn unlimited 1.5% cash back on all purchases
1.5% cash back
Annual Fee
$0.00
Welcome Offer $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
$300 cash back
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For businesses that want rewards on every dollar, this card keeps it simple. Earn unlimited 1.5% cash back, a $300 welcome bonus, and See Terms for 9 billing cycles on purchases (then See Terms (Variable)), with no annual fee. Qualify for Preferred Rewards for Business and you can boost earnings up to 2.62% cash back.
Read Full Review -
- Unlimited cash back with no expiration
- No annual fee
- Intro APR
- Foreign transaction fees
- Mediocre incentives
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- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Should you get a Bank of America card?
If you're considering a Bank of America card, you're probably looking for a card that's easy to use and offers clear value. Most of them have low or no annual fees, too, making them an accessible choice for basically anyone.
You can also get even more rewards if you're part of Bank of America's Preferred Rewards program, which can make your card even more valuable. If you're already a Preferred Rewards member, a top Bank of America card becomes a bit of a no-brainer.
Which Bank of America card is right for you?
The best card depends on how you plan to use rewards and what matters most to you. Start by asking yourself: Do you want straightforward cash back or flexible travel rewards?
Bank of America offers strong options in both areas. Pick a card that fits your goals, and you'll probably turn out just fine.
Check out our full list of the best Bank of America cards to compare more options.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Our Rating |
|---|---|---|---|---|---|
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Bank of America® Unlimited Cash Rewards credit card
Apply Now for Bank of America® Unlimited Cash Rewards credit card
On Bank of America's Secure Website. |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
$200 cash back $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | 1.5%-2% cash back Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open. |
Intro: See Terms for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently See Terms will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: See Terms Balance Transfers: See Terms Regular: See Terms (Variable) |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
|
Bank of America® Customized Cash Rewards credit card
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website. |
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
$200 cash back $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | 1% - 6% cash back Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. |
Intro: See Terms for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently See Terms will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: See Terms Balance Transfers: See Terms Regular: See Terms (Variable) |
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
|
Bank of America® Travel Rewards credit card
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for unlimited rewards on purchases
|
25,000 points (worth $250) 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5-3 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
Intro: See Terms for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently See Terms will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: See Terms Balance Transfers: See Terms Regular: See Terms (Variable) |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for unlimited rewards on purchases
|
|
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply Now for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
On Bank of America's Secure Website. |
4.60/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
$300 cash back $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1.5% cash back Earn unlimited 1.5% cash back on all purchases |
Intro: See Terms on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently See Terms will apply. Purchases: See Terms Balance Transfers: N/A Regular: See Terms (Variable) |
4.60/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
FAQs
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Many of the most popular Bank of America cards have no annual fee. Some premium and business cards do charge a fee, so check the terms before applying.
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It varies by card. Some offer cash back, others provide travel rewards. Some earn a flat rate on all purchases, while others give bonus rewards in specific categories.
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Yes. Most Bank of America cards include a welcome bonus after meeting a spending requirement within the first few months.
Our Research Expert
Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.