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Mastercard® Credit Cards
Earn cash back, enjoy the benefits of flexible rewards or take advantage of lower interest rates with our selection of Bank of America® Mastercard® credit cards.
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BankAmericard®
Save money on interest
BankAmericard® credit cardNo annual fee†
BankAmericard® credit cardTap to Pay
BankAmericard® credit cardNo annual fee†
BankAmericard® credit cardTap to Pay
- 0% Intro APR† for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 14.99% - 25.99% will apply.
- No Penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- 3%† Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.
BankAmericard® for Students
Save money on interest, a great choice when you’re just starting out
BankAmericard® Credit Card for StudentsNo annual fee†
BankAmericard® Credit Card for StudentsTap to Pay
BankAmericard® Credit Card for StudentsNo annual fee†
BankAmericard® Credit Card for StudentsTap to Pay
- 0% Intro APR† for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 14.99% - 25.99% will apply.
- Your card comes with our $0 Liability Guarantee and chip technology for additional security when used at chip-enabled terminals
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.
BankAmericard® Secured
Help establish, strengthen - or even rebuild your credit with a card that's simple and convenient
BankAmericard® secured credit cardNo annual fee†
BankAmericard® secured credit cardTap to Pay
BankAmericard® secured credit cardNo annual fee†
BankAmericard® secured credit cardTap to Pay
- Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line.
- We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
- Build up your credit history – use this card responsibly and over time it could help you improve your credit score.
- Purchase Rate Variable APR that's currently 25.99% will apply.
- Secured card products are not eligible for a new account bonus offer, like a statement credit, and introductory APRs are not available.
Free Spirit® Travel More World Elite Mastercard®
Online Offer: 50,000 Bonus Points + a $100 Companion Flight Voucher
Free Spirit® Travel More World Elite Mastercard®Low $79 annual fee† and no foreign transaction fees†
Free Spirit® Travel More World Elite Mastercard®Tap to Pay
Free Spirit® Travel More World Elite Mastercard®Low $79 annual fee† and no foreign transaction fees†
Free Spirit® Travel More World Elite Mastercard®Tap to Pay
- Earn 3 points per $1 spent on eligible Spirit purchases, 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other purchases
- Earn 50,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening
- Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior anniversary year
- Enjoy Two Free Checked Bags as a primary cardholder
- Purchase Rate Variable APR that's currently 19.49% to 27.49% will apply.
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Norwegian Cruise Line® World Mastercard®
Online Offer: 20,000 bonus points
Norwegian Cruise Line® World Mastercard®No annual fee† and no foreign transaction fees†
Norwegian Cruise Line® World Mastercard®Tap to Pay
Norwegian Cruise Line® World Mastercard®No annual fee† and no foreign transaction fees†
Norwegian Cruise Line® World Mastercard®Tap to Pay
- Online Offer: 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening. That's enough for a $200 onboard credit or $200 off your next Norwegian cruise.
- Earn 3 WorldPoints® points per $1 spent on Norwegian purchases, 2 WorldPoints points per $1 spent on eligible air and hotel purchases and 1 WorldPoints point per $1 spent on all other purchases
- Redeem points for hundreds of rewards like cash, gift cards, hotels stays, car rentals or Norwegian redemptions
- Purchase Rate Variable APR that's currently 17.49% to 27.49% will apply.
- Bank of America Preferred Rewards® members earn a 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1. Not enrolled? Learn more about Preferred Rewards Travel Rewards
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Preferred Rewards makes your credit card even better
When you enroll in the Bank of America Preferred Rewards® program, you can earn a 25% — 75% rewards bonus on all eligible Bank of America® credit cards.
Plus, as a Preferred Rewards member, you enjoy real benefits and rewards on your everyday Bank of America® banking and Merrill investment accounts. And as your qualifying balances grow, so do your benefits.
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Understanding credit is key to your financial health
Selecting a credit card
Choosing a credit card can be overwhelming. We’ve compiled some important considerations to help you pick the best credit card for you.
Managing your credit card
Get the most out of your credit card. Find out how you can take advantage of all the opportunities that may be available to you as a cardholder.
Paying down your debt
By following a few simple steps, you can help ensure you’re headed in the right direction when it comes to managing your credit card debt.
Improving your credit
Better credit habits can lead to a better credit score. If you’re looking to improve your credit, check out some of our helpful tips.
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