How to Find a Bank of America Credit Card Right for you

If you need a new credit card in your life, a Bank of America Credit Card might do the trick. It doesn't matter if you're looking for travel rewards or cash back credits, Bank of America probably has something for you. There are a ton of credit cards in the market today, so all credit card companies have to up their game.

Thanks to all that competition in the marketplace, you as the consumer get all sorts of perks and privileges. No longer is it just about a credit card company approving you, you also get to approve them. Before getting out on the hunt for a card, sit down and determine what your needs are.

If you're trying to get financial balance, then interest rates are important. If you just want fun perks on the money you already spend, then you should look at rewards programs. Our editors have investigated Bank of America credit cards and come up with some valuable information. Read everything below to figure out if one of their cards is worthy of your pocketbook.

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Which Bank of America Credit Card is for you

Premium Rewards Card

This credit card is perfect for the individual who wants to earn premium rewards every time you make transactions. When you successfully sign up for this card, you will be given 50,000 online bonus points, which equals $500! You can receive this when you hit $3,000 in purchases within the first 90 days from approval.

This card also does not limit the number of points you can earn. You can snag 2 points for every $1 you spend on travel and dining purchases, while you can earn 1.5 per $1 on all other purchases. The best thing about it is that your points will not expire.

However, be prepared to pay an annual fee of $95, a variable APR of 17.74% to 24.74% and a late penalty fee of up to $39.

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Cash Rewards Card

This card offers a variety of opportunities for cash back, making it perfect for individuals looking to save money while they make transactions. You can get a 3% cashback in the category you choose. Your choices include gas, online shopping, dining, travel, drug stores or home improvement.

 In addition, a 2% cashback is available for grocery stores and wholesale club. Other opportunities for cashback include 1% on all other purchases, 3% and 2% on the firsts $2,500 in combined purchases every quarter, then 1% afterward.

This card does not charge any annual fees but imposes a 0% introductory APR for the first 15 closing dates, which will become variable from 15.74% to 25.74%. A late payment fee also applies.

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Travel Rewards Card

Frequent travelers might want to get this card. This card will give you 25,000 bonus points when you reach $1,000 in purchases within the first 90 days of your account opening. This can be redeemed for a $250 credit which you can use for travel purchases. You can also earn unlimited points, which is attainable via 1.5 points given for every $1 you spend.

When you get this card, you do not need to worry about annual fees and foreign transaction fees. It also offers a 0% introductory APR, which will become variable from 16.74% to 24.74% after the first 12 billing cycles.

Bank of America Credit Card

BankAmericard

The main strength of this card is in the savings it gives users. It has the lowers APR among the cards in this list, starting from 14.74% to 24.74%. Just the Cash and Travel Rewards Credit Cards, this offers 0% introductory 0% for the first billing cycles for purchases.

The 0% interest is also applicable for balance transfers made during the first 60 days. After this, you can enjoy a low APR on balance transfers which are only 3%. This card also will not cost you any annual fees and penalty APRs.

How to Contact Bank of America

Now that you know what the major Bank of America credit cards offer, it might be easier to make a decision. Just remember that it doesn't matter so much what the card has as much as whether or not the card meets your needs. Sure air miles are good, but not if you don't really travel much.

There is definitely a card that is right for you and you should take the time to find it. If one of the cards listed above sounds good to you, you can fill out an application online on the Bank of America Credit Card website. Just note that you should 18 years old and living in the United States. You will also need to submit a variety of documents that show your financial, credit and employment status.

Head Office

Bank of America Corporate Center,

100 North Tryon Street, Charlotte, NC 28255

Telephone: 800.732.9194

Postal Mail address

Bank of America, PO Box 53132, Phoenix, AZ

Disclaimer

There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page to know more.

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