BANK OF AMERICA CREDIT CARD PROMO

Bank of America’s Credit Cards: Features and Reviews

Hello friends, let’s talk about one of the most popular and trusted banks in the United States, Bank of America. With almost 60 million customers, Bank of America offers a wide variety of financial products and services, including credit cards. In this article, we will take a closer look at Bank of America’s credit cards, their features, and reviews.

History of Bank of America

Bank of America has been around for over 100 years, dating back to 1904. It was founded in San Francisco, California, by Amadeo Giannini. Initially, the bank provided services only to immigrants and small business entrepreneurs, who did not have access to banking services. Over the years, the bank expanded its services and gained a good reputation among its customers. Today, Bank of America is one of the largest and most trusted banks in the US.

Bank of America’s Credit Cards

Bank of America offers a variety of credit cards to suit different needs and lifestyles. Whether you are looking for cashback rewards, travel rewards, low-interest rates, or premium benefits, Bank of America has a credit card for you. Let’s take a closer look at some of the popular Bank of America credit cards.

BankAmericard Credit Card

BankAmericard credit card is a basic credit card offered by Bank of America. It is a good option if you are looking for a simple credit card to build or improve your credit score. The BankAmericard credit card has no annual fee and comes with a zero percent introductory APR for the first 18 billing cycles for purchases and balance transfers made within the first 60 days of opening your account. After that, the variable APR will be between 12.99% and 22.99%, depending on your creditworthiness.

Moreover, the BankAmericard credit card comes with a few additional features such as contactless payment option, text alerts to monitor your account, and overdraft protection. However, the BankAmericard credit card does not offer any rewards program or cashback benefits, which may be a downside for some customers.

Cash Rewards Credit Card

The Bank of America Cash Rewards credit card is a popular choice for those who are looking for cashback rewards on everyday purchases. With this credit card, you can earn cashback rewards on purchases at grocery stores, gas stations, and wholesale clubs, as well as on other qualifying purchases. The cashback rewards are as follows: 3% on gas purchases, 2% on grocery purchases, and 1% on all other purchases.

Additionally, the Bank of America Cash Rewards credit card offers a $200 cash rewards bonus after making at least $1000 in purchases within the first 90 days of opening the account. The credit card also has no annual fee and comes with a zero percent introductory APR for the first 15 billing cycles for purchases and balance transfers made within the first 60 days of opening your account. After that, the variable APR will be between 13.99% and 23.99%, depending on your creditworthiness.

Travel Rewards Credit Card

Bank of America also offers a travel rewards credit card, which is suitable for those who frequently travel and want to earn rewards on their travel-related expenses. The Bank of America Travel Rewards credit card offers 1.5 points per dollar spent on purchases and 25,000 bonus points (a $250 value) after spending $1,000 in purchases in the first 90 days of opening the account.

Moreover, the Bank of America Travel Rewards credit card has no annual fee and no foreign transaction fees, making it a good option for international travel. Additionally, the credit card comes with a zero percent introductory APR for the first 12 billing cycles for purchases, after that, the variable APR ranges from 13.99% – 23.99%, depending on your creditworthiness.

Premium Rewards Credit Card

The Bank of America Premium Rewards credit card is a high-end credit card that offers premium benefits and rewards to its users. With this credit card, you can earn 2X points per dollar spent on travel and dining purchases and 1.5X points per dollar spent on all other purchases.

The Bank of America Premium Rewards credit card also offers a sign-up bonus of 50,000 bonus points (a $500 value) after spending $3,000 on purchases in the first 90 days of opening the account. The credit card also comes with a $100 annual airline incidental statement credit and a $100 credit toward TSA Pre✓® or Global Entry application fee. Plus, there are no foreign transaction fees, making it an excellent option for international travel. However, the Premium Rewards credit card comes with an annual fee of $95.

Reviews of Bank of America’s Credit Cards

Overall, Bank of America’s credit cards have received positive reviews from customers and financial experts. Customers appreciate the various rewards, cashback, and travel perks offered by Bank of America’s credit cards. Additionally, the Bank of America mobile app and online banking make it easy for customers to manage their credit cards and checking accounts.

In terms of fees and interest rates, Bank of America’s credit cards are competitive with other issuers in the market. It is important to note that the interest rates and fees vary depending on the type of credit card and your creditworthiness. Plus, the Bank of America credit cards offer a range of APRs, so customers can choose the card that best suits their financial situation.

The Verdict

In conclusion, Bank of America’s credit cards are a great option for those who are looking for a reliable and trusted banking institution. With a variety of credit cards to choose from, ranging from basic to premium, Bank of America offers something for everyone. Customers can benefit from cashback rewards, travel perks, and premium benefits, depending on their needs and lifestyle. The no annual fee, no foreign transaction fees, and zero percent introductory APRs make Bank of America’s credit cards competitive with other issuers in the market. Therefore, if you are looking for a credit card that’s reliable, has a good reputation, and offers a variety of rewards and benefits, then Bank of America’s credit cards are worth considering.

Thank you for reading this article on Bank of America’s credit cards, and we hope you found it informative and useful. See you in our next article!

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