Bank of america credit card make payment

Bank of America reports information to all three major credit bureaus: TransUnion, Equifax and Experian. For eligible customers using consumer credit cards, the company also offers a free monthly FICO® Score from TransUnion.

What Credit Score Is Needed for a Bank of America Credit Card?

For many Bank of America credit cards, you should have a credit score of at least 670 or higher (FICO credit rating: good to excellent) if you want to maximize the chances of your application being approved. Bank of America offers cards for those building or rebuilding credit—like the Bank of America® Customized Cash Rewards Secured Credit Card*. In these cases, the company will accept a lower credit score but will typically require a security deposit upfront. The deposit is refundable upon account closure but may also be refundable upon an upgrade to an unsecured card once credit has strengthened or improved.

Is a Bank of America Credit Card Worth it?

Generally, a Bank of America credit card is a dependable, reliable choice with a well-established and long-standing financial institution. The multiple types of credit cards on offer make it a good choice for a wide variety of consumers, since it is likely Bank of America will have a card to meet or closely match your specific needs. If you’re attracted to Bank of America’s services and intend on banking with the company for a long time, a Bank of America-branded credit card will best augment your customership with the institution.

Bank of America Preferred Rewards

The Bank of America Preferred Rewards program offers increased rewards for increased business with Bank of America. There are three tiers in the program: Gold, Platinum and Platinum Honors. At each tier a customer will receive discounts on Bank of America products and an increase on rewards by 25%, 50% or 75% respectively.

The qualifying combined balances in eligible Bank of America accounts and/or Merrill investment accounts determines the reward tier. Qualifying deposit amounts set tier qualification: $20,000 for Gold, $50,000 for Platinum and $100,000 for Platinum Honors. Once a customer meets these qualifications, he or she can enroll in the Preferred Rewards program online for no extra cost.

Bottom Line

A credit card from Bank of America can be a great choice, especially for those with existing banking relationships with the company. By picking the best Bank of America credit card for your needs, you can build credit, earn rewards or simply ensure you have a secure and convenient way to make everyday purchases.

1 Bank of America® Premium Rewards® Elite Program Information. How You Earn Points: You earn points when you use your card to make purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. Unlimited 1.5 Points: Earn 1.5 base points for every $1 spent on Net Purchases (non-Travel and Dining Category) charged to the card each billing cycle. 2 Points: Earn 2 points (consisting of .5 bonus points and 1.5 base points) for every $1 spent on Travel and Dining Net Purchases charged to the card each billing cycle. Travel and Dining Category: Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns. Travel includes: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Purchases from some merchants that provide travel-related goods and services will not be eligible, like in-flight goods and services, and duty-free airport purchases. Travel and Dining Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant's primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into Categories to help you earn rewards on purchases made at specific merchants. Your purchase may not qualify to receive the Travel and Dining Category earn rate if the merchant does not process transactions under the MCC that corresponds with the Travel and Dining Category, or your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs. For those Net Purchases, you will earn 1.5 base points per $1. Not all merchants accept all credit cards. How You Use Your Points: Points are available for redemption for travel, gift cards, concierge services and cash rewards at a value of 1% of the amount of points redeemed (1 point = $0.01 in rewards value). Cash rewards are issued for a U.S. dollar sum in the form of a statement credit, an electronic deposit to a Bank of America® checking or savings account, or a contribution to an eligible Cash Management Account® with Merrill. Points Expiration: As long as your account is open and has active charging privileges, points do not expire. Points Forfeiture: If the owner(s) of the card account voluntarily closes the card account, or if for any reason we close the card account, any unredeemed points associated with the account are subject to immediate forfeiture, unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change.

2 Airline Incidental Statement Credit: You are eligible for a statement credit of up to $300 each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards® Elite credit card to pay all airline incidental fee transactions. Allow 2-3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include: preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit: Allegiant Air, Spirit Airlines, and Sun Country Airlines. Eligible travel expenses that qualify for the Airline Incidental Credit must appear under one of the following Airline MCCs: 3000, 3001, 3057, 3058, 3066, 3132, 3174, 3196, 3256.

3 Airport Security Statement Credit.You are entitled to up to $100 in statement credits per account every four years in connection with the TSA PreCheck® or Global Entry program when you use your Premium Rewards® Elite or Premium Rewards® credit card to pay the application fee(s). Statement credits, not to exceed a total of $100, will be applied in the order that the qualifying transactions posted to your account. Allow 2-3 weeks from qualifying, for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. TSA PreCheck® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Bank of America has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and no liability regarding the Global Entry or TSA PreCheck® programs. For complete details on the TSA PreCheck® program, go to tsa.gov/precheck. For complete details on the Global Entry program, go to http://www.cbp.gov/global-entry/about. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.

4 Air Savings Program. Receive 20% off the cost of airfare when redeeming points through the Bank of America Travel Center. To be eligible for the 20% discount, the airfare itinerary must be booked online at bankofamerica.com/travel or through the Premium Rewards Elite concierge service using the Bank of America Travel booking system. Only the portion of the airfare's cost paid for with points is eligible for the discount.

5 Lifestyle Statement Credit. You are eligible for a statement credit of up to $150 each calendar year if you make qualifying rideshare, food delivery, streaming service and fitness transactions at select merchants. To qualify, you must use your Premium Rewards® Elite credit card to pay all rideshare, food delivery, streaming service and fitness transactions. Allow 2–3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made through select rideshare, food delivery, streaming service and fitness merchants as determined by Bank of America. The merchant must submit the charges under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying rideshare, food delivery, streaming service or fitness transaction. Eligible rideshare, food delivery, streaming service and fitness transactions that qualify for the Lifestyle Statement Credit must appear under one of the following MCCs and contain the designated identifier: 4899, 5399, 5411, 5422, 5499, 5691, 5734, 5815, 5816, 5817, 5818, 5921, 5940, 5964, 5968, 5969, 5999, 7032, 7299, 7372, 7841, 7997, 7999.

6 Concierge. Bank of America® Premium Rewards® Elite Visa Infinite® cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Infinite Concierge on cardholders' behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability.

7 Bank of America® Premium Rewards® Program Information. How You Earn Points: You earn points when you use your card to make purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. Unlimited 1.5 Points: Earn 1.5 base points for every $1 of Net Purchases (non-Travel and Dining Category) charged to the card each billing cycle. 2 Points: Earn 2 base points for every $1 of Net Purchases made with the card in the Travel and Dining category, with no limit on the number of points you can earn. Travel and Dining Category: Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns. Travel includes: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Purchases from some merchants that provide travel-related goods and services will not be eligible, like in-flight goods and services, and duty-free airport purchases. Travel and Dining Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into Categories to help you earn rewards on purchases made at specific merchants. Your purchase may not qualify to receive the Travel and Dining Category earn rate if the merchant does not process transactions under the MCC that corresponds with the Travel and Dining Category, or your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs. For those Net Purchases, you will earn 1.5 base points per $1. Not all merchants accept all credit cards. How You Use Your Points: When your points balance is 2,500 points or more, you can redeem your points for cash rewards, including a statement credit, an electronic deposit into a Bank of America® checking or savings account, or for credit to a qualifying Cash Management Account® with Merrill or qualifying 529 account with Merrill. Points may also be redeemed for travel at the Travel Center, or gift cards. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand. Each point redeemed is worth $0.01 (2,500 points = $25). Points Expiration: As long as your account remains open with active charging privileges, points do not expire. Points Forfeiture: If the owner(s) of the card account voluntarily closes the card account, or if for any reason we close the card account, any unredeemed points associated with the account are subject to immediate forfeiture, unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional terms of your credit card rewards program will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 0620RLL.PR.0620

8Airline Incidental Statement Credit. You are eligible for a statement credit of up to $100 each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards® credit card to pay all airline incidental fee transactions. Allow 2-3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include: preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit: Allegiant Air, Spirit Airlines, and Sun Country Airlines.

9 Bank of America® Travel Rewards Program Information. How You Earn Points: You earn points when you use your card to make purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. Unlimited 1.5 Points: Earn 1.5 points (base points) for every $1 of Net Purchases charged to the card each billing cycle. Bonus Points at The Travel Center: Earn 3 points (consisting of 1.5 bonus points and 1.5 base points) for every $1 in Net Purchases, excluding insurance purchases, made through the Travel Center, with no limit on the number of bonus points you can earn. Account opening bonuses are excluded from other Customer Bonus programs. How You Use Your Points: Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points. How Your Travel Credit Works: A travel credit is applied as a statement credit to your account to offset travel and dining purchases from qualifying merchants in these travel or dining related categories: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos, eating places and restaurant, drinking places, bars, taverns, cocktail lounges, nightclubs, discotheques and fast food restaurants. Purchases from some merchants that provide travel or dining related goods and services will not be eligible for a travel credit, like in-flight goods and services, and duty-free airport purchases. Points may be redeemed for a statement credit to offset qualifying travel and dining purchases that occurred within 12 months prior to the date of redemption, but limited to the most recent 2,500 qualifying travel and dining purchases. Each point redeemed for a travel credit is worth $0.01 (2,500 points = $25). How Your Cash Rewards And Gift Cards Work: Cash rewards are redeemed for a check or electronic deposit into a Bank of America® checking or savings account or for credit to an eligible Cash Management Account® with Merrill. Each point redeemed for cash is worth $0.006 (2,500 points = $15). The redemption value for gift cards varies. Points Expiration: As long as your account remains open with active charging privileges, points do not expire. Points Forfeiture: If the owner(s) of the card account voluntarily closes the card account, or if for any reason we close the card account, any unredeemed points associated with the account are subject to immediate forfeiture, unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional terms of your credit card rewards program will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 0620RLL.BA.TRVLRWRDS.0121

10 Bank of America® Customized Cash Rewards Program Information. How You Earn Cash Rewards: Earn cash rewards when you use your card to make purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered purchases and will not earn cash rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1% Base Cash Rewards: Earn 1% cash back (equal to $0.01 for every $1) on Net Purchases charged to the card each billing cycle. 2% Bonus Category: Earn a total of 2% cash back (equal to $0.02 for every $1, consisting of 1% bonus cash rewards and 1% base cash rewards) on Net Purchases made at eligible grocery store merchants and wholesale clubs, which include supermarkets, freezer/meat lockers, candy, nut or confection stores, dairy product stores, and bakeries. Excluded from this Bonus Category are superstores and smaller stores (like drug stores and convenience stores) that sell groceries and other products. 3% Bonus Category: Earn a total of 3% cash back (equal to $0.03 for every $1, consisting of 2% bonus cash rewards and 1% base cash rewards) on Net Purchases made at eligible merchants in the one Choice Category you have selected. Eligible merchants would include merchants whose primary line of business falls under the following Choice Categories: Gas (default), Online Shopping, Dining, Travel, Drug Stores, or Home Improvement/Furnishings. When the new account is opened the default Choice Category is Gas. Gas and fuel merchants include merchants whose primary line of business is the sale of automotive gasoline that can be purchased inside the service station or at the automated fuel pump and gasoline purchased at boat marinas, as well as fuel dealers whose primary line of business is the sale of heating oil, propane and other fuels, such as kerosene. To change your Choice Category for future purchases, you must go to Online Banking or use the Mobile Banking App. A new Choice Category selection can be made once per calendar month; however, if no change is made the category will remain the same. Additional information can be found at bankofamerica.com/choosemycategory. Bonus Category Cap: Grocery store, wholesale club and Choice Category Net Purchases earn bonus cash rewards on the first $2,500 of combined Net Purchases made each calendar quarter. Once the $2,500 quarterly limit is reached, additional Net Purchases will earn base cash rewards of 1%. Bonus Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. Not all merchants accept all credit cards. Rewards Redemption: Redeem cash rewards for statement credits, deposits made directly into a Bank of America® checking or savings account, for credit to a qualifying Cash Management Account® with Merrill or qualifying 529 account with Merrill, or checks. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand. Certain cash rewards are eligible for automatic redemption. Redemptions for an electronic deposit into a Bank of America checking or savings account, or credit to a qualifying Cash Management Account® with Merrill, or for a statement credit do not have a minimum redemption amount. One-time redemptions for a contribution to a qualifying 529 account with Merrill, redemptions for a check or automatic redemptions for an electronic deposit into a Bank of America checking or savings account, or credit into a qualifying Cash Management Account® with Merrill have a $25 minimum redemption amount. Rewards Expiration: As long as your account remains open with active charging privileges, cash rewards do not expire. Rewards Forfeiture: If the owner(s) of the card account voluntarily closes the card account, or if for any reason we close the card account, any unredeemed cash rewards associated with the account are subject to immediate forfeiture, unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 0620RLL.BA.Olive.0521.

11 Bank of America® Unlimited Cash Rewards Program Information. How You Earn Cash Rewards: Earn cash rewards when you use your card to make purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered purchases and will not earn cash rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5% Base Cash Rewards: Earn 1.5% cash back (equal to $0.015 for every $1) on all Net Purchases charged to the card each billing cycle. Rewards Redemption: Redeem cash rewards for statement credits, deposits made directly into a Bank of America® checking or savings account, for credit to a qualifying Cash Management Account® with Merrill or qualifying 529 account with Merrill. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand or for automatic redemption. Statement credits and 529 contributions are not eligible for automatic redemption. One-time redemptions for an electronic deposit into a Bank of America checking or savings account, or credit to a qualifying Cash Management Account® with Merrill, or for a statement credit do not have a minimum redemption amount. One-time redemptions for a contribution to a qualifying 529 account with Merrill, or automatic redemptions for an electronic deposit into a Bank of America checking or savings account or into a qualifying Cash Management Account® with Merrill have a $25 minimum redemption amount. Rewards Expiration: As long as your account remains open with active charging privileges, cash rewards do not expire. Rewards Forfeiture: If the owner(s) of the card account voluntarily closes the card account, or if for any reason we close the card account, any unredeemed cash rewards associated with the account are subject to immediate forfeiture, unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change.

Visa, Visa Signature and Visa Infinite are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.

How do I Make a payment to Bank of America credit card?

Can I pay Bank of America credit card by phone?

Can I Make a credit card payment online?

How do I pay my bill online Bank of America?