Bank of America Credit Card: How to Apply, Top Features, and Maximize Your Rewards

Choosing the right credit card can impact your finances more than you think. A Bank of America credit card offers different features, rates, and rewards, and each one works best for a specific type of spender.

You need to know what each card gives you—and what it doesn’t. This article shows you how to apply, what benefits to expect, and how to maximize your rewards.

Types of Credit Cards from Bank of America

Bank of America gives you several card options for different needs. Some are made for cash back, others for travel points, and a few focus on low interest.

Each card has its own rewards system and limits. Most come with no annual fee.

A few offer introductory bonuses if you spend a set amount early on. The features are basic but cover most everyday spending habits.

How to Get a Bank of America Card?

Applying is quick and can be done in different ways. First, make sure you meet the basic requirements.

What You Need Before You Apply?

Before you apply, check that you meet the bank’s minimum requirements. This helps avoid a rejected application.

You must be at least 18 years old
You need a valid Social Security Number or Tax ID
You must have a U.S. residential address
You should have a steady income
A fair to good credit score is usually required (typically 670 or higher)
You may be asked for employment or financial info

Steps to Apply

There are three main ways to apply. Pick the one that’s easiest for you.

Apply Online

The fastest process is online, and it is available on the Bank of America website. You fill out a form with your basic information, income, and housing costs.

It usually takes a few minutes, and you may get a decision right away. Make sure all your info is accurate to avoid delays.

Apply in a Branch

You can also apply at any Bank of America location. A bank rep will help you fill out the form and may ask a few follow-up questions.

Bring your ID and income proof. This method is slower, but it works if you want help during the process.

Apply by Phone

You can apply by calling Bank of America’s customer service. The agent will ask for your details over the phone.

Have your personal and financial info ready. This works well if you prefer not to use the website or go to a branch.

What Documents You’ll Need?

To apply, you’ll need a few basic documents. First, have your government-issued ID, like a driver’s license or passport.

You also need your Social Security Number or Tax ID. Proof of income is required—this can be pay stubs, bank statements, or a job offer letter.

You may need your residential address and contact information. If something is missing, the bank might ask for extra details.

Main Features of Bank of America Credit Cards

Each Bank of America card is built with specific features. You should know what each card offers before picking one.

Highlight Cards You Can Choose From

There are four main cards to look at. Customized Cash Rewards gives flexible cash back. Unlimited Cash Rewards offers simple flat-rate rewards.

Travel Rewards is focused on earning points. BankAmericard® helps with balance transfers or big purchases through a 0% APR intro period. All of them come with no annual fee.

Key Features to Know

Each card has one main benefit you should focus on. Here’s what matters most.

Customized Cash Rewards – 3% Cash Back in One Category

This card gives 3% cash back in a category you pick, like gas, dining, or online shopping. You also earn 2% at grocery stores and 1% on other purchases. Your bonus categories reset monthly. It’s good for people who spend more in one area.

Unlimited Cash Rewards – 1.5% Back on Everything

This card gives you 1.5% cash back on every purchase. It’s simple and doesn’t require category tracking. Cash back never expires. It’s easy to manage.

Travel Rewards – 1.5 Points Per Dollar

This card gives 1.5 points per $1 spent on all purchases. Points can go toward travel, hotels, and flights.

You don’t need to book through special websites. Great for consistent travelers.

BankAmericard® – Intro 0% APR

This one gives you a 0% APR for 18 billing cycles on purchases and balance transfers. After that, a regular variable rate applies.

There are no rewards, but it helps reduce interest payments. Useful for big one-time expenses.

How to Get More from Your Rewards?

Some simple moves help you get the most out of your credit card. Choose your card based on your spending habits.

Maximize Rewards with Each Card

You can boost value by using your card the right way.

Use Customized Cash Rewards for one main spending category.
Use Unlimited Cash Rewards for all daily purchases.
Use Travel Rewards if you book flights or hotels often.
Use BankAmericard® to avoid interest, not for rewards.

Earn and Redeem Bonuses Right

Cards come with sign-up bonuses or points.

Spend the required amount in the first 90 days.
Redeem cash back into your checking or savings account.
Use points for travel to get the best deal.
Don’t let your points expire or sit unused.

Use Smart Habits for Better Value

Some habits help you keep more rewards.

Pay your balance in full to avoid interest.
Track your bonus categories monthly.
Use online banking to monitor rewards.
Combine with Bank of America Preferred Rewards for higher rates.

Interest Rates and Other Costs

Know your rates before using the card. APR and fees can change how useful your card is.

Know the APRs

Each card comes with a variable APR, which depends on your credit. Many cards offer a 0% intro APR for 15–18 billing cycles.

After that, the rate moves to the ongoing purchase APR, usually between 16% and 28%. Balance transfers may have a fee and a different APR.

Understand the Fees

Most cards have no annual fee. But there may be charges for late payments, foreign transactions, or cash advances.

By managing your account well, you can avoid many of these. Before using the card, read the full fee schedule.

Other Useful Features

Many cards come with extras beyond rewards. These features help you manage your account better.

Banking Tools and App Features

You can track spending using the mobile app or online dashboard. Set up alerts for due dates and transactions.

Add your card to digital wallets like Apple Pay or Google Pay. Security features include fraud alerts and zero-liability protection.

Cardholder Perks

Some users get access to FICO score checks, overdraft protection, or auto rental insurance.

If you join Preferred Rewards, you get extra bonus rates. Some cards include intro offers or balance transfer deals. Benefits vary by card type.