Customized Cash Rewards — Bank of America is a personal credit card from Bank of America. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% to 27.74% variable (Prime index 7.0% as of 09/30/2026) after a 0% for the first 15 Statement Closing Dates after account opening, on purchases and on balance transfers made within 60 days of opening introductory rate for 15 months. Approval typically requires a credit score of TPG recommends you have a credit score of 670 or higher to increase your chances of getting approved for this card or higher. Signup bonus: $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. Rewards: 3% cash back in the one Choice Category you select (6% in that category for the first year with the 3% first-year bonus); 2% cash back at grocery stores and wholesale clubs; unlimited 1% cash back on all other purchases; the 3% and 2% categories earn on the first $2,500 in combined purchases each quarter, then 1%. Cash back: 1% base cash back on all net purchases; 2% at grocery stores/wholesale clubs; 3% in one chosen Choice Category (2%/3% on first $2,500 combined per quarter). Typical credit limit: Varies. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: • Bank of America usually approves at most 2 new Bank of America cards in 2 months, 3 in 12 months and 4 in 24 months (user-reported, Doctor of Credit). • Bank of America may also deny you after too many new cards at any bank: reports suggest about 6 in the last 12 months if you bank with them, about 2 if you don't (user-reported, Doctor of Credit). • Bank of America may not approve this card if you have it now or had it in the last 24 months (user-reported, Doctor of Credit). • If you're denied, Bank of America's reconsideration line is 1-800-732-9194 or 1-888-230-6262 (user-reported, Doctor of Credit).. Flexible cash back categories and no annual fee.