Bank of America Credit Cards: Application, Where to Find Promotional Offers

Bank of America is one of the largest companies in the United States offering a wide range of financial products, including credit cards, loans, bank accounts and mortgages. And the line of credit cards ranges from low interest options to credit card rewards. The cash back and reward points earned can be redeemed with different airlines, cruise lines, retailers, and charities and many others, depending on the card.

Bank of America also makes it easy to search and compare your credit cards online, and if you choose, apply and receive an answer through its fast and easy online application process. Bank of America credit cards are also known to include special advantages for their banking customers, making the variety of credit cards more attractive, especially to consumers who are already their customers. Whether you’re a fan or considering becoming one, you won’t feel short of benefits with Bank of America.

How to Apply?

Applying for credit cards is quick and easy, usually requiring you to complete the online application and submit it. You can first search for the type of card you are interested in, whether you are looking for cash rewards, travel rewards or an introductory Annual Percentage Rate (APR) of 0%, and then select the card you want, with just a few clicks. In most cases, you will receive a response within minutes, informing you that the card of your choice is approved or denied.

Top Bank of America Credit Card Application Offers

Bank of America credit cards include almost every type of quality credit card product and feature you may desire. There’s even an area to check for personalized offers to find offers that don’t fall within your typical money-back or travel reward options. With so many options available, there’s a good chance you’ll find the perfect card for your needs with Bank of America.

Here’s the list of best cards:

Cash Rewards Credit Card

The BoA Cash Rewards Credit Card is one of the most popular cash reward cards, offering a 1% rebate on every purchase, 2% on grocery stores and wholesale clubs, and 3% on gasoline for the first $2,500 combined purchases of supermarkets/club wholesalers/gas each quarter. There is always an exclusive online offer for new cardholders. For e.g. $150 cash reward cards if you make $500 purchases with your card within the first 90 days.

Travel Rewards Credit Card

Bank of America’s Travel Rewards credit card awards 1.5 points for every dollar spent on all purchases. You can redeem points for a state credit for a wide variety of travel purchases. The card also offers a bonus of 20,000 points if you make at least $1,000 in purchases within 90 days of opening the account.

BankAmericard Credit Card

The BankAmericard credit card is the Bank of America’s low interest card. Offers an initial annual percentage rate of 0% on balance transfers made within the first 60 days for 15 billing and purchase cycles, with a low variable APR after 12.99% -22.99%. There is also a $0 opening balance transfer fee during the first 60 days of account opening. After that, the fee for future balance transfers is 3% ($10 minimum).

How to find Bank of America card promotions


This is the most recommended choice. Although there are many ways to find the best Bank of America card promotions, Internet is most easy and fast. Online promotions often include the latest offers and many are exclusive to online applicants, such as some of the registration bonuses offered with various Bank of America credit cards. In some cases, you may not be able to take advantage of specific offers unless you make an online request. In addition, internet allows you to compare and research each credit card to make sure you find the best card and promotion available.


Mail Offers

You may receive different credit card offers in the mail from time to time. Mail offers generally include those that are most targeted to your home and are often pre-qualified or pre-approved. Credit card offers that arrive in the mail also often include special code and invitation code for each receiver promotional requests.

Most of the time, these offers will direct you to a phone number to submit your application or to sites such as and While mail-order offers may seem more exclusive than others, if you want to make sure you get the best deal, it is recommended that you search online and compare offers before you apply for your credit card. Otherwise, you risk missing out on better offers that have not yet been mailed.


Bank of America’s television commercials include families, animals, and even The Flying Branzinos, with several credit card promotions that quickly reach a large audience. Many of the TV ads direct consumers to a phone number or website of to apply for the card or other financial product in the commercial. Although these types of promotions are entertaining and extremely attractive, almost guaranteed to reach thousands of potential customers, they do not get all the information needed to compare and choose the best deal available. Whether you’re comparing different Bank of America cards or those with different card issuers, it’s important to research and review other competitive offerings first, rather than relying on the merchant as the best credit card offer available.

Magazines and newspapers

Magazine and newspaper ads still reach a large number of consumers looking for credit card offers. While not the best way to choose a credit card, it is still an effective resource for finding new card offers. However, these offers may be outdated depending on where you end up reading the magazine or newspaper ad. They usually include a phone number or directions to the official site, which will always have the most up-to-date credit card offers with the bank.

Bank branches

Because BoA offers so many different financial products and can link those products, it may be a good idea to see what kinds of offers are available when you visit the bank. Just like the preferred customer bonus with some of your credit cards, Bank of America may also have special promotions for customers who go to the bank branch. Plus, with more than 5,000 locations nationwide, there’s a good chance you’ll find one near you.

Credit cards for people with excellent to good credit

Bank of America offers credit cards for people with excellent or good credit, as well as those who have no credit or who have had credit problems in the past.

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