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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.

BankAmericard® Credit Card
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BankAmericard® Credit Card

  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days*0% Intro APR for 15 billing cycles on purchases12.74% - 22.74% Variable APR on purchases
BankAmericard Cash Rewards™ Credit Card
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BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • NEW OFFER: $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 up to 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, 13.74% - 23.74% 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 4
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular 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 purchases13.74% - 23.74% Variable APR on purchases

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

For example, the BankAmericard® Credit Card is a top choice among many consumers. Some of the primary benefits of the offer include:


The BankAmericard Cash Rewards™ Credit Card is similar to the BankAmericard, however, there are some key details that make it unique:
While these two Bank of America credit cards are among the most popular, there are many others to choose from. 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.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card
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Bank of America® Business Advantage Cash Rewards Mastercard® credit card

  • Earn a $200 statement credit after $500 in purchases within 60 days of account opening – with no annual fee and no limit to the base cash back you can earn
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
  • Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*N/A*0% Intro APR for 9 billing cycles on purchases11.99% - 21.99% Variable APR on purchases
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

  • Earn an unlimited base of 1.5 points for every $1 you spend on all purchases, everywhere, every time -- no matter how much you spend
  • Earn 25,000 bonus points when you spend $1,000 in the first 60 days
  • No annual fee and no international transaction fees
  • Earn 3 points for every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center - powered by Orbitz®
  • 0% Introductory APR on purchases for your first 9 billing cycles
  • Flexibility to redeem points for a statement credit to pay for your flights, hotels, vacation packages, cruises, rental cars, or baggage fees; option for cash back and gift cards


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: Travel
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*N/A*0% Intro APR for 9 billing cycles on purchases11.99% - 21.99% Variable APR on purchases

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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