The Bank of America is a personal credit card from Bank of America. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 19.74% to 27.74% variable (Prime index 7.0% as of 09/30/2026) after a No intro APR introductory rate. Approval typically requires a credit score of 700+ or higher. Signup bonus: 60,000 online bonus points after making at least $4,000 in purchases in the first 90 days of account opening. Rewards: 2 points per $1 spent on travel and dining purchases; 1.5 points per $1 spent on all other purchases; no limit to points earned and points do not expire as long as the account remains open; up to $100 in Airline Incidental Statement Credits annually; up to $100 in Airport Security Statement Credits (TSA PreCheck or Global Entry application fees) every four years. 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 enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card..