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Credit Cards with No Annual Fee
Credit cards with no annual fee offer the flexibility of credit without the cost of a yearly fee.
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Bank of America® Customized Cash Rewards
New Offer: 6% cash back in the category of your choice – for the first year. Plus, a $200 online cash rewards bonus offer.
Bank of America® Customized Cash Rewards credit cardNo annual fee†
Bank of America® Customized Cash Rewards credit cardTap to Pay
Bank of America® Customized Cash Rewards credit cardNo annual fee†
Bank of America® Customized Cash Rewards credit cardTap to Pay
3% cash back + 3% first-year cash back bonus in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs and unlimited 1% cash back on all other purchases. Calculate rewards
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Choose which category you want to earn 6% cash back in – for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
- 0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Bank of America Preferred Rewards® members earn 25%-75% more cash back on every purchase. Preferred Rewards bonuses are not applied to the 3% first-year bonus. Not enrolled? Learn more about Preferred Rewards Cash Rewards
- 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.
Bank of America® Unlimited Cash Rewards
New offer: Unlimited 2% cash back on purchases for the first year. Plus, a $200 online cash rewards bonus offer.
Bank of America® Unlimited Cash Rewards credit cardNo annual fee†
Bank of America® Unlimited Cash Rewards credit cardTap to Pay
Bank of America® Unlimited Cash Rewards credit cardNo annual fee†
Bank of America® Unlimited Cash Rewards credit cardTap to Pay
- Earn unlimited 2% cash back on purchases for the first year from account opening. Thereafter, you'll earn unlimited 1.5% cash back on all purchases. Calculate rewards
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open
- 0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Bank of America Preferred Rewards® members earn 25%-75% more cash back on every purchase. Preferred Rewards bonuses are not applied to the 0.5% first-year bonus. Not enrolled? Learn More About Preferred Rewards.
- 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®
Save money on interest
BankAmericard® credit cardNo annual fee†
BankAmericard® credit cardTap to Pay
BankAmericard® credit cardNo annual fee†
BankAmericard® credit cardTap to Pay
Bank of America® Travel Rewards
25,000 online bonus points offer – a $250 value
Bank of America® Travel Rewards credit cardNo annual fee† and no foreign transaction fees†
Bank of America® Travel Rewards credit cardTap to Pay
Bank of America® Travel Rewards credit cardNo annual fee† and no foreign transaction fees†
Bank of America® Travel Rewards credit cardTap to Pay
- Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open Calculate rewards
- Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases. Earn 3 points for every $1 you spend on travel purchases booked through the Bank of America Travel Center.
- 0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase. That means you could earn 1.87 to 2.62 points for every $1 you spend on purchases, everywhere, every time. You could earn 3.75 to 5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center. Not enrolled? Learn more about Preferred Rewards Travel Rewards
- 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.
Bank of America® Customized Cash Rewards for Students
New Offer: 6% cash back in the category of your choice – for the first year. Plus, a $200 online cash rewards bonus offer.
Bank of America® Customized Cash Rewards credit card for StudentsNo annual fee†
Bank of America® Customized Cash Rewards credit card for StudentsTap to Pay
Bank of America® Customized Cash Rewards credit card for StudentsNo annual fee†
Bank of America® Customized Cash Rewards credit card for StudentsTap to Pay
3% cash back + 3% first-year cash back bonus in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs and unlimited 1% cash back on all other purchases.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Choose which category you want to earn 6% cash back in – for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
- 0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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.
Bank of America® Unlimited Cash Rewards for Students
New offer: Start building your financial future while earning unlimited 2% cash back on purchases for the first year
Bank of America® Unlimited Cash Rewards credit card for StudentsNo annual fee†
Bank of America® Unlimited Cash Rewards credit card for StudentsTap to Pay
Bank of America® Unlimited Cash Rewards credit card for StudentsNo annual fee†
Bank of America® Unlimited Cash Rewards credit card for StudentsTap to Pay
- Earn unlimited 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you'll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
- Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
- 0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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® for Students
Save 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 18 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 15.24% - 25.24% will 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
Bank of America® Travel Rewards for Students
Start building your financial future
Bank of America® Travel Rewards Credit Card for StudentsNo annual fee† and no foreign transaction fees†
Bank of America® Travel Rewards Credit Card for StudentsTap to Pay
Bank of America® Travel Rewards Credit Card for StudentsNo annual fee† and no foreign transaction fees†
Bank of America® Travel Rewards Credit Card for StudentsTap to Pay
- Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open. Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases. Earn 3 points for every $1 you spend on travel purchases booked through the Bank of America Travel Center.
- 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of your account opening
- 0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
Bank of America® Customized Cash Rewards Secured
New Offer: Help build your credit while earning 6% cash back in the category of your choice – for the first year
Bank of America® Customized Cash Rewards secured credit cardNo annual fee†
Bank of America® Customized Cash Rewards secured credit cardTap to Pay
Bank of America® Customized Cash Rewards secured credit cardNo annual fee†
Bank of America® Customized Cash Rewards secured credit cardTap to Pay
3% cash back + 3% first-year cash back bonus in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs and unlimited 1% cash back on all other purchases.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Choose which category you want to earn 6% cash back in – for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
- 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 28.24% will apply.
- Secured cards are not eligible for a new account bonus, like a cash rewards bonus offer, and introductory APRs are not available. However, this offer is eligible for the first-year 3% bonus.
Bank of America® Unlimited Cash Rewards Secured
New offer: Help strengthen or build your credit while earning unlimited 2% cash back on purchases for the first year
Bank of America® Unlimited Cash Rewards secured credit cardNo annual fee†
Bank of America® Unlimited Cash Rewards secured credit cardTap to Pay
Bank of America® Unlimited Cash Rewards secured credit cardNo annual fee†
Bank of America® Unlimited Cash Rewards secured credit cardTap to Pay
- Earn unlimited 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you'll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
- 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 28.24% will apply.
- Secured cards are not eligible for a new account bonus, like a cash rewards bonus offer, and introductory APRs are not available. However, this offer is eligible for the first-year 0.5% bonus.
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.
- FICO® Score for free through Online or Mobile Banking, so you can view your credit score after using your card for a few months.
- Purchase Rate Variable APR that's currently 25.24% will apply.
- Secured card products are not eligible for a new account bonus offer, like a statement credit, and introductory APRs are not available.
Royal Caribbean Visa Signature®
Online Offer: 30,000 bonus points
Royal Caribbean Visa Signature® Credit CardNo annual fee† and no foreign transaction fees†
Royal Caribbean Visa Signature® Credit CardTap to Pay
Royal Caribbean Visa Signature® Credit CardNo annual fee† and no foreign transaction fees†
Royal Caribbean Visa Signature® Credit CardTap to Pay
- Get 30,000 MyCruise® bonus points after making at least $1,000 in purchases in the first 90 days of your account opening, worth $300 in onboard credit
- Earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises® and Silversea®
- Earn 1 MyCruise point for every $1 spent on all other purchases
- Redeem your points for onboard credit, stateroom upgrades and cruise vacations on Royal Caribbean® and our sister brands, Celebrity Cruises® and Silversea®
- Purchase Rate Variable APR that's currently 18.24% to 28.24% 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 18.24% to 28.24% 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.
Celebrity Cruises Visa Signature®
Online Offer: 30,000 bonus points
Celebrity Cruises Visa Signature® Credit CardNo annual fee† and no foreign transaction fees†
Celebrity Cruises Visa Signature® Credit CardTap to Pay
Celebrity Cruises Visa Signature® Credit CardNo annual fee† and no foreign transaction fees†
Celebrity Cruises Visa Signature® Credit CardTap to Pay
- Get 30,000 MyCruise® bonus points after making at least $1,000 in purchases in the first 90 days of your account opening, worth $300 in onboard credit
- Earn 2 MyCruise® points for every $1 spent on qualifying purchases with Celebrity Cruises® and our sister brands, Royal Caribbean® and Silversea®
- Earn 1 MyCruise point for every $1 spent on all other purchases
- Redeem your points for onboard credit, stateroom upgrades and cruise vacations on Celebrity Cruises®, and our sister brands, Royal Caribbean® and Silversea®
- Purchase Rate Variable APR that's currently 18.24% to 28.24% 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.
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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