All but two reviewed Bank of America credit cards are Visa cards. Most conform to the Visa hierarchy of credit card categories and the associated minimum credit limits. The other two credit cards bear the Mastercard logo.
When approving card applications and assigning credit lines, Bank of America evaluates your credit score, credit report, income, debts, and housing costs. This article will help you select the best credit card offer when you have a specific credit limit in mind.
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Bank of America Visa Infinite Card ($10K+)
Visa Infinite is the brand’s top designation; only one Bank of America card makes the grade. Visa Infinite cards have a $10,000 minimum credit limit. Only the best credit cards from each issuer can join this elite tier.
1. Bank of America Premium Rewards Elite Credit Card
This is the bank’s top-tier card with the highest possible initial credit limit. It offers:
- Earn 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- Get up to $550 in automatic statement credits
- $550 Annual fee
Remember that this card’s rewards on eligible purchases are worth more if you qualify for Bank of America Preferred Rewards.
Generally, any financial institution that issues Visa Infinite cards requires cardholders to have excellent credit and to pay annual fees. This tier includes the benefits from lower Visa tiers plus the following:
- Minimum initial credit limit: $10,000
- Luxury Hotel Collection additional benefits: These hotels offer exceptional amenities to guests who pay with a Visa Infinite card.
- Rental car additional benefits: You are eligible for added savings and amenities when renting from Hertz, Avis, Silvercar, or National.
- Trip delay reimbursement: Coverage for up to $500 in incidental charges.
- Visa Infinite Concierge Services: Reflects an upgrade in concierge services around the world, including new self-booking functions for restaurants, tickets to local attractions, limousines with exclusive discounts, and top travel support.
Of course, issuers of Visa Infinite credit cards usually provide their own perks in addition to those from Visa. These credit card issuers offer top rewards and benefits on their best credit cards bearing the Visa logo.
(The information related to the Bank of America® Premium Rewards® Elite Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)
Bank of America Visa Signature Cards ($5K+)
Many Bank of America credit cards belong to the Visa Signature tier. These cards provide a reasonable balance between benefits and annual fees.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
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0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
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18.24% – 28.24% Variable APR on purchases and balance transfers
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$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- Low $95 annual fee.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
N/A
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N/A
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20.24% – 27.24% Variable APR on purchases and balance transfers
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$95
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Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
|
18.24% – 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- 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 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
|
18.24% – 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
Visa Signature benefits vary by credit card issuer but may include the following:
- $5,000+ initial credit limit
- Airline incidental fees
- Baggage delay reimbursement
- Cellphone protection
- Emergency evacuation
- Extended warranties
- Global Entry Credit
- Hotel theft protection
- Lost luggage reimbursement
- Price protection
- Priority Pass Lounge
- Return protection
- Travel accident insurance
- Travel and emergency assistance
- Trip cancellation/trip interruption reimbursement
- Trip delay reimbursement
- Visa Signature Concierge
- Year-end spending summary
In addition, Visa Signature cardholders receive all the benefits from lower tiers. You can cash your rewards via statement credit, direct deposit, or check.
Bank of America Mastercard ($1,000+)
The unsecured and secured BankAmericard versions are Mastercards. Although the bank does not disclose this information, reports indicate the unsecured card has a starting credit limit of $1,000. This card is the bank’s top balance transfer offer:
6. BankAmericard® credit card
This card is currently not available.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
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Credit Needed
|
|---|---|---|---|---|
N/A
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N/A
|
N/A
|
N/A
|
N/A
|
Additional Disclosure: The information related to BankAmericard® credit card has been collected by CardRates.com and has not been reviewed or provided by the issuer of this card.
General Mastercard benefits include protection from identity theft and fraudulent purchases and 24/7 emergency virtual assistance.
Bank of America Student Credit Cards ($500+)
The student versions of these credit cards share most features with their non-student siblings. The minimum starting credit limit is generally $500.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
|
18.24% – 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
|
18.24% – 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No annual fee.
- 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 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
|
18.24% – 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
10. BankAmericard® credit card for Students
This card is currently not available.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Additional Disclosure: The information related to BankAmericard® credit card for Students has been collected by CardRates.com and has not been reviewed or provided by the issuer of this card.
To qualify for a Bank of America student credit card, you must be a US citizen or permanent resident and 18 years old. Students under 21 must demonstrate enough income to pay their monthly bills. You must also have an active college email address and student ID.
Bank of America Secured Credit Cards ($200+)
The BankAmericard® Secured Credit Card is a Mastercard and the Bank of America® Customized Cash Rewards Secured Credit Card is a Visa card. Both secured cards have a minimum deposit and credit line of $200 and are available to consumers with bad credit.
11. BankAmericard® Secured Credit Card
This card doesn’t offer the same 0% introductory APRs as its unsecured and student siblings above and requires a deposit for approval.
- No rewards offered
- $200 minimum security deposit ($5,000 maximum)
- Periodic reviews to return your security deposit
- $0 annual fee
You can get other secured cards with similar or lower APRs and cash back rewards.
12. Bank of America® Customized Cash Rewards Secured Credit Card
This card mirrors the benefits of its unsecured and student siblings but requires a deposit for approval.
- Earn 3% cash back in the category of your choice
- $200 minimum security deposit ($5,000 maximum)
- Periodic reviews to return your security deposit
- $0 annual fee
Responsible use of a secured Bank of America card, such as paying your monthly bill on time, helps consumers with bad FICO credit scores rebuild a solid credit history. FICO labels bad credit scores of 579 and below as “very poor.”
(The information related to the BankAmericard® Secured Credit Card and Bank of America® Customized Cash Rewards Secured Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)
What Is the Maximum Credit Limit at Bank of America?
Bank of America does not disclose its credit limit policies, so there isn’t any official statement regarding the credit limits it allows. But online forums mention a maximum credit limit of $99,900 for Bank of America credit cards.
How Often Does Bank of America Increase Credit Limits?
If you are patient, you can wait for Bank of America to conduct its automatic account monitoring to determine whether you qualify for a credit card limit increase. Although there is no set time frame, Bank of America says it periodically checks accounts a few times yearly, starting at about six months after account opening.
You can request a credit card limit increase from Bank of America in a few ways. Before submitting a credit limit request, it’s best to wait until:
- At least six months have elapsed since the account opening
- You have had no late payments in the last year
- You can provide verified income information to prove that you can handle the added credit
If you pass these tests, you can log into online banking for your credit card account and select the “Request a Credit Line Increase” link under Card Details in your Account Summary.
Alternatively, you can request a higher limit by calling the phone number on the back of your credit card.
A higher credit limit requires you to treat your current credit account responsibly. But more credit can tempt you to spend too much, possibly increasing your debt. Too much purchase spending can raise your credit utilization ratio and hurt your credit history.
Maintaining your spending discipline despite your higher credit limit is a good idea. In the long run, this will help ensure your access to future credit increases and better credit scores.
What Is Bank of America’s Cash Credit Line?
According to Bank of America, its cash credit line is a portion of the total credit available on your credit card. It is the maximum available amount for cash advances.
Cash advances generally consist of the following:
- ATM cash advances
- Over-the-counter (OTC) cash advances at a branch
- Online cash advances (transferring money from your card to your checking account in your online account)
- Overdraft protection transfers (if you have linked your credit card as a backup account for Balance Connect® overdraft protection)
- Applicable transaction fees
If you exceed your cash credit line, you must refrain from cash advance transactions until you’ve repaid enough of your balance to get it below the cash credit limit.
The bank won’t charge an account penalty if you exceed your cash credit line. Surpassing the cash credit line will not trigger a fee or a higher APR, but the bank may decline future transactions. You can check your cash credit line online on your credit card details page, on your statement, or by calling customer service.
Unlike eligible purchases, cash advances do not qualify for Preferred Rewards.
Can I Reallocate My Credit Lines Among My Bank of America Cards?
You can transfer a portion of one Bank of America credit card’s credit line to another by calling customer service. Keep in mind that each Bank of America credit card must maintain a credit limit of at least $100.
If you prefer, you can ask the bank to merge two or more of your Bank of America credit cards into one. In this way, the remaining credit card will have the combined credit limit of the merged cards. Any rewards and balances will also transfer to the merged card. Balance transfer fees may apply.
Merging credit cards can have these benefits:
- Easier management: Combining card balances may decrease the number of minimum payments you must make each month, reducing the chances of inadvertently missing a due date and triggering a late payment fee.
- Reduce annual fees: You may be able to reduce your annual fees by merging a high-fee card into one with a lower or no yearly charge.
- Preserve your credit limit: You maintain your overall credit limit when you merge a credit card with another and avoid lowering your credit utilization ratio.
The downside of merging credit cards is that you’ll lose the benefits from the card you’re scrapping.
Build Your Credit Lines at Bank of America
The credit limits on Bank of America credit cards are relatively typical for cards of their type. You can earn higher credit limits by paying your bills on time and keeping your credit utilization ratio low.
You can also increase your overall available credit by acquiring multiple Bank of America credit cards. The bank, unlike some others, does not cap the number of its credit cards you can own.
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Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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