Explore a card that may let you choose rewards around the spending categories you use most.
Compare the cash-back structure, rates, and current terms before deciding whether it fits your budget. A rewards card can work best when you pay on time and keep spending within a clear monthly plan.
Choose an Option:
Why Consider This Card?
- Choose eligible reward categories
- Earn cash back on everyday purchases
- Access digital account tools
- Explore a card with no annual fee
What to Know Before You Apply
Rewards and Spending Categories
Some card offers may let you select a category for higher cash-back rewards, such as online shopping, gas, dining, travel, or home improvement. Other eligible purchases may earn different reward rates.
Check the current category rules, quarterly limits, and redemption options. Rewards are most valuable when they match spending already planned in your budget.
Interest and Possible Costs
A promotional APR may be available for a limited time on eligible purchases or balance transfers. After that period, a variable APR, balance transfer fee, late fee, or foreign transaction fee may apply.
Review the complete pricing information before using the card. Paying the full statement balance by the due date can help avoid purchase interest.
Eligibility and Application Details
Applicants may need to meet age, U.S. residency, income, and credit-related requirements. The issuer may request personal, employment, and identity information during the application review.
Approval is not guaranteed and depends on the issuer’s assessment. Use only official Bank of America channels when submitting personal or financial details.
Start in 3 Steps
- Compare the available card terms
- Prepare your personal information
- Apply through the official website
Ready to Review Your Options?
Check whether the rewards, possible fees, and repayment terms match your regular spending habits. Read the full current terms before submitting an application.
Explore Bank of America Card Options
Review Rates and Terms
How Does It Work?
Choose Your Reward Focus
Review the eligible categories and select the option that best reflects your usual expenses. Check whether limits or conditions apply to higher reward rates.
Complete Your Application
Enter accurate personal, contact, employment, and income information through the official application page. Additional verification may be requested before a decision is made.
Manage Your Account
Use online or mobile banking tools to review transactions, make payments, and track available rewards. Setting reminders can help you stay aware of due dates.
Use Rewards With a Clear Plan
A cash-back card can be useful when its features support everyday spending without creating unnecessary debt. Compare the official terms carefully and use credit responsibly.
