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 good or higher. Signup bonus: 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after $1,500 or more in purchases within 90 days of opening (limited-time online offer). Rewards: 3 points per $1 on eligible Alaska Airlines and Hawaiian Airlines purchases; 2 points per $1 on eligible gas, EV charging, cable, streaming and local transit (including rideshare); 1 point per $1 on all other purchases; 10% rewards bonus with an eligible Bank of America account; annual $99 Companion Fare (plus taxes and fees from $23) after $6,000+ in purchases in the prior anniversary year; free checked bag. 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..