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Founded in 1998 and headquartered in Charlotte, North Carolina, Bank of America is a multinational banking and financial services company that offers credit cards.

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The Good

  • Competitive APRs
  • Rewards Programs
  • Free Credit Score Tracking
  • Fraud Safeguards

Competitive APRs

Bank of America offers a few different credit cards with introductory rates of zero percent for the first 12 to 18 months. After that, rates range from 11.24 percent to 23.24 percent*, which is very competitive within the industry.

Rewards Programs

Bank of America offers a variety of rewards programs that cardholders can participate in and earn travel points, bonuses, and cash back. Earned rewards are easy to convert into cash or prizes.

Free Credit Score Tracking

Because Bank of America thinks that its important to provide its customers with tools to help them understand their credit, the company provides consumer cardholders with access to a free monthly FICO score from TransUnion. With this feature, cardholders can see key factors that are impacting their score, track recent scores month-to-month and compare them to national averages, and learn about credit and strategies for keeping their credit healthy.

Fraud Safeguards

Bank of America provides tips on how to prevent fraud and invests in fraud protection technology in order to shield its cardholders from fraud. Visit Site

The Bad

  • Annual Fee
  • Late Payment Penalty
  • Foreign Transaction Fee

Annual Fee

Bank of America charges annual fees up to $99 depending on the card. There are several other credit card companies that do not charge any annual fees at all.

Late Payment Penalty

For every late payment, Bank of America cardholders will incur a fee of up to $37.

Foreign Transaction Fee

Bank of America charges a foreign transaction fee of 3 percent, which is one of the highest in the industry.

The Bottom Line

Bank of America offers competitive APRs, several rewards programs, free credit score tracking, and a number of fraud safeguards. However, the company has a few different fees in place, including an annual fee, a late payment fee, and a foreign transaction fee.

Disclaimer

As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. See our How We Rank page for more information regarding our ranking algorithm.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify our review moderation team.


User Reviews

Star Rating

3.7
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108 Reviews

Review Breakdown

5 star
44%
4 star
24%
3 star
8%
2 star
5%
1 star
19%

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Grant Lofgreen
June 5th, 2019 Provo, UT

Travel rewards card works great. Would be nice if it didn't have a foreign transaction fee seeing as it's a travel card...accepted almost everywhere. Mobile app is very useful.

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Julie Kincaid
May 28th, 2019 Soldotna, AK DETAILS
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We have had a Bank of America credit card for 11 years. We like the rewards that are offered, and feel like the company has good communication. Their phone app works great and I like how easy it is to set up travel alerts. Their customer service has always been very good.

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Reese
May 20th, 2019 Pleasant Grove, UT DETAILS
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I have had a Bank of America credit card and they stand apart from other credit cards in my rate being lower, lower fees, and some great options for rewards. I especially like the cash back program. I had a Bank of America credit card in the 1980's and it was good then and it is even better now with all of the safeguard options and online services.

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Ashley
May 9th, 2019 Pleasant Grove, UT DETAILS
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I have the Bank of America cash rewards credit card. I like this card because I get to choose how I earn rewards. When I first opened the card they gave me $200 cash rewards after making at least $1,000 in purchases in the first 3 months. I had 2 weddings that summer so it was very helpful!!

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Jeremy
May 6th, 2019 Mesa, AZ DETAILS
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Love the card and all it’s functions. The chip was fantastic especially when I was in Europe for a couple of years it always functioned flawlessly.

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wayne sanders
February 12th, 2019 Valley Center, CA DETAILS
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B of A has always been a card that I carry. having used this card for many years I have yet to have any issues with it. It is convenient because there is other banking that I do that I can tie into my B of A card and being able to take care of several things with one company is always nice and its a time saver.

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Sunny Perry
February 6th, 2019 Springville, UT DETAILS
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Really like the rewards program. I use my card as much as I can to get the rewards.

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Valarie Heaps
February 4th, 2019 Lehi, UT DETAILS
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love the 0% intro rate. makes it a great way to save on interest when transferring over balances.

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Tanner Cook
December 17th, 2018 Gilbert, AZ DETAILS
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My wife and I both have the gold reward credit card with Bank of America - we earn cash back on every purchase! No annual fees which is a huge plus for us.

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Mildred Carter
December 12th, 2018 Woodbridge, VA DETAILS
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I've had a BoA credit card since I initially opened my checking account when I turned 18. It's been a huge life saver for emergency situations. The use of the BoA app and website are also tremendous help, as you can set up online bill pay, and even transfer money not only between accounts but also to other people who may not even HAVE BoA accounts.

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edward reese
December 6th, 2018 Hyattsville, MD DETAILS
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I have two card and have never had any issuesor problems. Even when i lost my job briefly and missed a payment, they worked with me to catch up without penalty.

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Sam Ekberg
December 3rd, 2018 Gilbert, AZ DETAILS
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I use Bank of America, and it is fantastic! They have an online app that is really uesful, that I use it almost everyday! They help with everything I need and are very friendly with it! Their credit card service is always reliable and it allows me to get daily things.

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Gianna Valente
December 3rd, 2018 Gilbert, AZ DETAILS
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The Bank of America app is great. It is easy to use and for someone who has a parent attached to their account, it is very easy to transfer money.

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Jeffrey Salas
November 19th, 2018 Gilbert, AZ DETAILS
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I have a bank of america credit card. I am disatisfied with my high interest rate

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Jeff B
November 5th, 2018 Eagle Mountain, UT DETAILS
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Wow got approved for $1500 not bad for a guy with a 750 plus credit score and pretty good income . Don’t waste your time with these guys ..

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Hana
November 5th, 2018 Gilbert, AZ

I have a bank of america card and my experience has been good when i am at the actual bank, but when i first signed up, my check was withdrawn from my debit account for a week so it was inconvenient

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Mary
November 1st, 2018 West Jordan, UT DETAILS
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Bank of America was my very first credit card. I had a really small limit as I hadn't developed any credit yet. It was a very good card and service for a first time card holder. I kept the card open for many years as it looked good for my credit history. I only canceled when they began charging for inactivity.

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Susan
October 25th, 2018 Pleasant Grove, UT DETAILS
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Non-intrusive. Comparable rates. Advertising efficiently. Great personal customer service. Well known name.

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Tracy
September 17th, 2018 Salt Lake City, UT

I’ve had a Bank of America card for 30 years. I rarely use it now that I have it paid off, because they kept raising my rate even when I always paid my bill on time.

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Kris
August 23rd, 2018 Pleasant Grove, UT

Bank of America credit card is a reliable company. They offer competitive rates. I don’t receive extra travel points with mine but I know some do.

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Karen Nelson
July 30th, 2018 Alpine, UT

I am alway losing credit cards. They are so great about it. They give me a temporary and the very next day, I have my new card. They are also very helpful and kind about helping check if there is any activity on my lost or stolen card.

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Taylor Vance
July 26th, 2018 Salt Lake City, UT

Terrible website design. But I like the Alaska Airlines credit card. A good companion pass offer helps to offset the cost of the yearly fee.

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Robert
July 13th, 2018 Washington, MI DETAILS
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Extremely slow to post your payments-it is now 35 days and although my balance is $1,200 they have reported $10,500 to the credit reporting firms. After contacting them I was told to be patient, certain things take time. Like how about doing your job correctly. Very nasty and snippy to talk to a customer rep said well maybe you just want to cancel your card? No problems it is done. They also refuse to process any charges for firearms and I would like to know how they can abrogate the 2nd Amendment and no I am not a gun nut but feel if you have been cleared and can qualify for a charge card they have no right to say no unless they are paying for the purchase! Tired of continual problems with their failure to post payments.

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Brayden D.
July 5th, 2018 Gilbert, AZ

Bank of America is my family’s go to for credit cards and they have never let us down.

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Troy Siren
July 2nd, 2018 Gilbert, AZ

Not only did I get an awesome card, I got a great rate and cash back as well.

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james pettinelli
June 18th, 2018 DETAILS
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Normally it is month to month business...they did alert me when my card was being used by a thief.

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Bob Trammell
June 18th, 2018 DETAILS
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Great fraud support and good cash back option that pays every month

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Betty L Kennedy
June 18th, 2018 DETAILS
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I get air miles. They protect me.They work well with me when I have a problem.

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james coe
June 18th, 2018 DETAILS
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Great benefits . No waiting on phone as a platinum honors member

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vierlingjack
June 18th, 2018 DETAILS
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The card features are great and the customer service is excellent.

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Marv1959
June 18th, 2018 DETAILS
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Great security but rewards very restrictive

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Stuart Schnitzer
June 18th, 2018 DETAILS
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They are on top of any charges made. They question any different or odd charges to prevent fraud

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Karen
June 18th, 2018 DETAILS
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No respect either way- They don't respect me and I have no respect for them.I do not have any trust in them.

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bobby
March 5th, 2018 Herndon, VA DETAILS
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not good nothing great or different very typical commercial Drive and all the same

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Lori
March 5th, 2018 Yuma, AZ DETAILS
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They always alert me charges when they occur. If they aren't my charges I can quickly contact B of A and get things straightened out

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Jarred
March 5th, 2018 Lake Havasu City, AZ DETAILS
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Jarred was most helpful, very patient with me as I am 87 yrs old.

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Susan Tabet
February 26th, 2018 Tehachapi, CA DETAILS
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Amber in customer service was amazing... knowledgeable, polite, patient, helpful. The best customer service representative I've ever worked with. You are lucky to have her.

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Chef D
February 26th, 2018 Pomona, CA DETAILS
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Nothing but good experiences, If in doubt they provide great customer services

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Mo
February 26th, 2018 Newburgh, NY DETAILS
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All good experience as with customer service

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Anonymous
February 26th, 2018 Cherry Log, GA DETAILS
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Very difficult to deal with a mature rep when you have a financial hardship. They are all children!

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GF
January 22nd, 2018 Dallas, TX DETAILS
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Customer service access is extremely difficult.

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Graves-Woodward
January 15th, 2018 Goose Creek, SC DETAILS
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Rates not the best, I wish the rates were lower. After years of service they could offer customers lower Rates. I would refer my friends if they were cheaper.

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McKinney
January 9th, 2018 Midlothian, TX DETAILS
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Bank of America is the crown jewel of all credit cards. It has a number of perks and points to keep you using it all the time.

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Omneya Andrea Acosta-Dhmaid
January 3rd, 2018 DETAILS
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High Interest is what gives it a 4 star. It make is hard to pay down because of this

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T Bell
January 3rd, 2018 Stafford, TX DETAILS
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Ease of use. Excellent customer service. Knowledgeable team members

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RobertSamuelson
January 3rd, 2018 Taneytown, MD DETAILS
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Many years of good service, but 1 contentious erroneous charge, which was VERY had to get resloved.

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Mary
January 3rd, 2018 Oakland, CA DETAILS
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Very easy process. Everything was a seemless. From the initial call to installation everything has been handled well. We are very happy!

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Kenny Knox
December 18th, 2017 Wichita Falls, TX' DETAILS
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great terms, cash back, early bonus given if spend so much in for 90 days

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Beverly Wilczek
December 18th, 2017 Oak Island, NC DETAILS
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I like getting the travel points, I've used them to travel to Porto Rico just before the hurricane, an experience I can't have again.

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Hannah
December 18th, 2017 Pleasant Grove, UT DETAILS
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We use the Alaska Airlines bank of america card. I like the card itself. But I usually don't look forward to trying to get done anything on their website. It is a pretty poor user experience. However, the mileage plan is great and we build up miles so fast. We have gotten quite a few free flights. Great deal!