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Bank of America, also known as BofA, is one of the largest financial service companies in the United States.

Through the use of a central call center, approximately 15,900 ATMs, and 4,600 retail financial centers, the company is able to provide a high level of service to consumers throughout the country.

Reasons to Choose Bank of America


Bank of America is faced with stiff competition in most markets, however, the company has been able to compete at the top of the industry since its founding in 1904 as the Bank of Italy.

In addition to a large selection of branches and ATMs scattered throughout the country, the company is also a top performer when it comes to online tools and selection of products, such as credit cards.

Other reasons to choose Bank of America include:

- A variety of mobile banking tools, making it easy to manage your finances on the go.
- Large selection of credit cards, including a variety of types as well as those for both individuals and business owners.

Customer Service

It doesn’t matter if you’re shopping for a credit card or seeking a bank that provides checking and savings accounts, nothing changes the fact that customer service is extremely important.

To go along with a call center, which is staffed with customer service representatives who are willing and able to provide direction, Bank of America has more than 5,000 branches in 34 states.

If you live in one of these states, you can stop by a Bank of America institution any time you have questions, concerns, or need professional advice. Also, as noted above, you can take advantage of both mobile and online tools.

Bank of America Credit Cards

Bank of America has developed a solid reputation for many reasons, but it’s the company’s credit cards that receive most the attention. The selection is huge, the rates are competitive, and the benefits outdo the competition at every turn of the road.

From travel reward cards to those that offer cash back, Bank of America has something that will suit your every want and need.

Bank of America® Travel Rewards Credit Card
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Bank of America® Travel Rewards Credit Card

  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 1
Rewards: Travel
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A* 0% Intro APR for 12 billing cycles on purchases 15.99% - 23.99% Variable APR on purchases and balance transfers
Bank of America® Cash Rewards Credit Card
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Bank of America® Cash Rewards Credit Card

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 4
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* 0% Intro APR for 12 billing cycles on purchases 13.99% - 23.99% Variable APR on purchases and balance transfers
Susan G. Komen® Credit Card
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Susan G. Komen® Credit Card

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $7 million from Bank of America from this program since 2009.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers.


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* 0% Intro APR for 12 billing cycles on purchases 13.99% - 23.99% Variable APR on purchases and balance transfers

Looking for more? Compare more consumer cards from Bank of America



An exciting cash back rewards card: The Bank of America® Cash Rewards Credit Card is a top choice among many consumers seeking a credit card with cash back. Here are some key details that make it unique:
While we highlighted the Bank of America® Cash Rewards Credit Card, there are many others to choose from for other credit ratings. Best yet, the company has something for every type of consumer, including:

Consumer and Business Banking

While Bank of America is made up of many divisions, its Consumer Banking arm is the largest. Not only does this division provide services to consumers, but it does the same for small businesses. Here are some of Bank of America’s current business credit cards.


Bottom Line

With more than 210,000 employees and revenue well into the tens of billions, it’s easy to see that Bank of America is a reputable financial service company with a history of providing high quality products and service for both consumers and small business owners.
This information should help you better understand what the company offers and why it continues to attract new customers from one side of the country to the next.
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