The Bank of America Good Credit 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 Good (670+) or higher. Signup bonus: $250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. Rewards: Unlimited 1.5% cash back on all purchases; no limit to the cash back you can earn; cash rewards do not expire as long as the account remains open. Cash back: 2% cash back in the first year, and 1.5% thereafter. Typical credit limit: $1,000-$30,000. 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.. Ideal for straightforward 0% back leverage and easy rewards structure. Wells Fargo Reflect Card. BT Fee: 3% during intro; 4% after. Post-intro APR: 18.24%–28.24% variable