View source for Bank of america credit cards

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=== Personal Cards ===

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=== Bank of America Business Cards ===

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=== Other Bank of America Cards ===

In addition to the cards above, which may want to get for various reasons, Bank of America offers a few additional credit cards.

<ul class="checklist">
<li>'''BankAmericard card'''. No rewards, no benefits, no signup bonus, no annual fee. Low interest and penalty rates for people who are paying off their credit. Student version available. [//www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/ Official Webpage]</li>

<li>'''Norwegian Cruise Line card'''. 3x points on Norwegian purchases, points are worth 1 cent each when spent at Norwegian. Eligible for the preferred rewards program, so you can earn up to 5.25% on Norwegian purchases. 10,000 point signup bonus, valued at $100. No annual fee. [//www.bankofamerica.com/credit-cards/products/norwegian-cruise-lines-credit-card/ Official Webpage]</li>

<li>'''Royal Caribbean card'''. 2x points on Royal Caribbean (and sister cruise line) purchases. 10,000 point (plus a $50 Air2Sea discount coupon) signup offer. Points are worth 1 cent each when used for on-board purchases. No annual fee. [//www.bankofamerica.com/credit-cards/products/royal-caribbean-credit-card/ Official Webpage]</li>

<li>'''Celebrity Cruise card'''. 2x points on Celebrity Cruise (and sister cruise line) purchases. 10,000 point (and $50 airfare discount) signup bonus. Points are worth 1 cent each when used for on-board purchases. No annual fee. [//www.bankofamerica.com/credit-cards/products/celebrity-cruises-credit-card/ Official Webpage]</li>

<li>'''Cash Rewards Variants'''. The Cash Rewards Card comes in several alternate flavors, all with essentially identical benefits.

<ul>
<li>''Pink Ribbon card''. Bank of America will donate some money to the Susan Komen Breast Cancer foundation. [//www.bankofamerica.com/credit-cards/products/susan-komen-credit-card/ Official Webpage]</li>

<li>''MLB card''. There are cards for each of the teams. [//www.bankofamerica.com/credit-cards/products/mlb-credit-cards/ Official Webpage]</li>

<li>''Student card''. Identical to the regular version, but approval process is targeted at students.
 [//www.bankofamerica.com/credit-cards/products/student-cash-back-credit-card/ Official Webpage]</li>

<li>''U.S. Pride card''. Patriotic card image. [//www.bankofamerica.com/credit-cards/products/us-pride-military-credit-card/ Official Webpage]</li>
</ul>

<li>'''Platinum Business card'''. $200 signup bonus. No annual fee. But, no other benefits or bonus reward rates. [//www.bankofamerica.com/smallbusiness/credit-cards/products/platinum-visa-business-credit-card/?campaign=2125895~G9~en_US Official Webpage].</li>
</ul>

=== Bank of America Rules and Tips ===

<ul class="bulletlist">
<li>'''Bank of America has a rule that is similar to the Chase 5/24 rule'''. If you've gotten 3 new personal cards (from any bank) in the past 12 months, you can't get approved for a new BOA credit card—essentially a 3/12 rule. If you have a BOA banking account, the limit rises to 7/12.</li>

<li>'''In addition, you can only be approved for four Bank of America personal cards every two years (and only three of those cards in any 12 month period and two cards in any two month period)'''. This controls your total number of Bank of America applications, so choose wisely. This rule only counts your Bank of America cards..</li>

<li>'''There are additional limitations for certain cards'''. You aren't eligible to get the Premium Rewards card or the Alaska Airlines card if you've had the card in the previous 24 months. You aren't eligible to get the Travel Rewards or Cash Rewards card if you've already have the card, unless you've had it for at least 24 months (there is no need to cancel the earlier the card first). For all their other cards, there are no additional restrictions, and you can even have multiple copies of the same card.</li>

<li>'''None of these rules directly affects BOA business cards'''. You may not get approved, but you don't need to worry about the 3/12 or 7/12 rules, the 2/3/4 rule, or the limits on signup bonus frequency.</li>
 
<li>'''If you are initially declined, there is a good chance that you can still get the card if you call their reconsideration line'''. You just may need to make a few changes to your accounts.</li> 

<li>'''You can usually get your annual fee waived if you call right after it posts'''. You may even be able to get an additional retention offer sometime over the course of the year as well. It is also possible to downgrade your card. </li> 

<li>'''Bank of America doesn't usually offer referral bonuses'''.</li> 

<li>'''Advanced details'''. They will typically match a higher signup bonus that becomes available after you sign up for the card. If you ask, they will sometimes send the cards with priority shipping. Typically, if you are declined for a credit card, they will only make a soft inquiry.</li> 

<li>'''(Advanced) Lower your credit limit on your Bank of America cards before you cancel them'''. According to [//www.doctorofcredit.com/tip-reduce-credit-limits-on-bank-of-america-cards-before-cancelling/ Doctor of Credit], there is a glitch in Bank of America's system where a cancelled credit card will still count against your overall credit limit for another year. If you lower your credit limit before you cancel, you will have more credit capacity at BOA to get a new card.</li>
</ul>

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