I Ranked Every Bank of America Credit Card (Best Cards in 2025)

Chris dives into Bank of America’s credit card lineup and why he has 5 different BoA cards right now. He'll go over how the Preferred Rewards program can help you earn unlimited 3.3% back on everything. Finally, he also covers approval rules, credit limits, unique perks like free museum access, and more.

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Resources Mentioned
⁠Chris’ Best Cards Page⁠: https://chrishutchins.com/cards

BoA Cards
Tier List⁠: https://drive.google.com/file/d/1B3IC2lMVjps4-qRLIkR_mgxVeGudasNP/view?usp=sharing
Bank of America® Customized Cash Rewards⁠: https://chrishutchins.com/boacc
Susan G. Komen® Customized Cash Rewards Visa®: https://bankofamerica.com/credit-cards/products/susan-komen-credit-card/
Bank of America® Unlimited Cash Rewards: https://chrishutchins.com/boauc
Bank of America® Travel Rewards: https://chrishutchins.com/boatr
Bank of America® Premium Rewards®: https://chrishutchins.com/boapr
Bank of America® Premium Rewards® Elite: https://chrishutchins.com/boapre
The Atmos™ Rewards Ascent Visa Signature Card: https://alaskaair.com/atmosrewards/content/credit-cards/benefits/visa-ascent?srsltid=AfmBOorzyY1VOVd-0L1QGAYczIxAWl4E7JCkxLvJZjSrORj2bUIxxqLu
The Atmos™ Rewards Visa Summit Card: https://alaskaair.com/atmosrewards/content/credit-cards/benefits/visa-summit?srsltid=AfmBOorGQXiO0P6lPc_0ut5_5P0_qOTtjaQyYQ_--pQQkDpqJQShWFPM
Free Spirit ® Travel More World Elite Mastercard: https://bankofamerica.com/credit-cards/products/spirit-airlines-credit-card/
Allways Rewards Visa® card: https://allegiantair.com/allways-rewards-visa-card
Air France KLM World Elite Mastercard: https://airfrance.us/information/flyingblue/carte-bancaire-partenaire
Bank of America® Business Advantage Customized Cash Rewards Mastercard®: https://chrishutchins.com/boaccbiz
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®: https://chrishutchins.com/boaucbiz
Bank of America® Business Advantage Travel Rewards World Mastercard®: https://chrishutchins.com/boatrbiz
The Atmos™ Rewards Visa Business Card: https://alaskaair.com/atmosrewards/content/credit-cards/benefits/visa-small-business?srsltid=AfmBOooKCO_uZnqr619pAaLWuYBwkzrrFbnwSGYH0iEUNtnP2Jm7Wi0I

Other Cards
Citi® Double Cash Card: https://chrishutchins.com/citidc
U.S. Bank Smartly™ Visa: https://chrishutchins.com/usbsmartly
The Ritz-Carlton™ Credit Card: https://creditcards.chase.com/marriott/cardmember/ritz-carlton

Frequent Miler: https://frequentmiler.com/ultra-premium-credit-card-travel-insurance/

Rakuten ($50 bonus): https://chrishutchins.com/rakuten

BoA Museums on Us: https://about.bankofamerica.com/en/making-an-impact/museums-on-us-partners
BankAmeriDeals: https://promotions.bankofamerica.com/en/deals

ATH Podcast
Ep #245: How Much Are Points and Miles Worth in 2025?: https://youtu.be/DnL_41DRLIU

Full Show Notes
(00:00) Introduction
(00:33) Quick Episode Overview
(02:25) BoA Preferred Rewards Program
(05:04) Customized Cash Rewards Card
(07:32) Customized Cash Rewards Card Variations
(12:22) Unlimited Cash Card
(14:54) Travel Rewards Card
(17:06) Premium Rewards Card
(23:58) Travel Benefits on the BoA Premium Cards
(25:29) Atmos Rewards Ascent Card
(31:28) Atmos Rewards Summit Card
(34:14) Valuing Companion Awards
(38:45) Free Spirit Travel More World Elite MasterCard
(40:07) Allegiant Always Rewards Card
(41:12) Air France KLM World Elite MasterCard
(43:30) BoA’s Cruise Cards
(44:07) Business Card Eligibility
(46:16) Business Customized Cash Card
(50:08) Business Unlimited Cash Card
(51:25) Business Travel Rewards Card
(54:45) Atmos Rewards Business Card
(57:03) Applying for BoA Cards
(58:17) 5 Consumer Card Limit
(59:52) BoA Nuances to Keep in Mind
(01:01:17) Credit Limits
(01:02:04) BankAmeriDeals
(01:03:11) Free Museum Access
(01:04:10) Summary

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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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