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 $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 670 or higher or higher. Signup bonus: 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening. Rewards: Unlimited 1.5 points for every $1 spent on everyday purchases; no blackout dates or restrictions; points do not expire as long as the account remains open. 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..