Smart products. Serious rewards.
Want to earn up to $350 in rewards each year? Shop all NerdWallet+ eligible products below.
Eligible for $100 in rewards
Annual fee
$0
Intro offer
N/A
Rewards rate
N/A
Recommended Credit Score
690-850
(Good - Excellent)
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Eligible for $100 in rewards
Annual fee
$0
Intro offer
25,000
Points
Rewards rate
1x-4x
Points
Recommended Credit Score
690-850
(Good - Excellent)
- Intro Offer: Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024).
- 1X point on all other eligible purchases.
- Points never expire as long as your account is active.
- Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
- Terms and conditions apply.
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Intro APR period
Cons
- Complicated rewards
Eligible for $100 in rewards
Annual fee
$0
Intro offer
25,000
Points
Rewards rate
1.5x
Points
Recommended Credit Score
690-850
(Good - Excellent)
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee.
- New cardholder bonus offer.
- Intro APR period.
Cons
- Requires good/excellent credit.
- Best rewards limited to certain customers.
Eligible for $100 in rewards
Annual fee
$0
Intro offer
$200
Rewards rate
1.5%
Cashback
Recommended Credit Score
690-850
(Good - Excellent)
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- New cardholder bonus offer
- Intro APR period
Cons
- Best rewards limited to certain customers
- No bonus categories
- Requires good/excellent credit
Eligible for $100 in rewards
Annual fee
$0
Intro offer
N/A
Rewards rate
N/A
Recommended Credit Score
690-850
(Good - Excellent)
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Eligible for $100 in rewards
Annual fee
$0 intro for the first year, then $95
Intro offer
$300
Rewards rate
1.5%-6%
Cashback
Recommended Credit Score
690-850
(Good - Excellent)
- 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose (like Amazon.com, Walmart®, Target®and more).
- Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
- 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities).
- 1.5% Cash Back on all other eligible purchases.
- 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.
Pros
- High rewards rate
- Bonus categories
- New cardholder bonus offer
Cons
- Has annual fee
- Complicated rewards
Eligible for $100 in rewards
Annual fee
$0
Intro offer
25,000
Points
Rewards rate
1.5x
Points
Recommended Credit Score
690-850
(Good - Excellent)
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- Flexible rewards redemption
- Intro APR period
Cons
- Requires good/excellent credit
- No bonus categories
- Best rewards limited to certain customers
Eligible for $100 in rewards
Annual fee
$0
Intro offer
$250
Rewards rate
1%-5%
Cashback
Recommended Credit Score
690-850
(Good - Excellent)
- $250 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
- 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% - 29.74%.
- No Annual Fee
- Terms and conditions apply.
Pros
- No annual fee
- Bonus categories
- High rewards rate
Cons
- Complicated rewards
Eligible for $100 in rewards
APY
4.60%
With $0 min. balance for APY
Bonus
$300
Earn up to $300 with direct deposit. Terms apply.
Monthly fee
$0
Eligible for $100 in rewards
Annual fee
$0
Intro offer
N/A
Rewards rate
N/A
Recommended Credit Score
690-850
(Good - Excellent)
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Eligible for $100 in rewards
Annual fee
$0
Intro offer
25,000
Points
Rewards rate
1x-4x
Points
Recommended Credit Score
690-850
(Good - Excellent)
- Intro Offer: Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024).
- 1X point on all other eligible purchases.
- Points never expire as long as your account is active.
- Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
- Terms and conditions apply.
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Intro APR period
Cons
- Complicated rewards
Eligible for $100 in rewards
Annual fee
$0
Intro offer
25,000
Points
Rewards rate
1.5x
Points
Recommended Credit Score
690-850
(Good - Excellent)
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee.
- New cardholder bonus offer.
- Intro APR period.
Cons
- Requires good/excellent credit.
- Best rewards limited to certain customers.
Eligible for $100 in rewards
Annual fee
$0
Intro offer
$200
Rewards rate
1.5%
Cashback
Recommended Credit Score
690-850
(Good - Excellent)
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- New cardholder bonus offer
- Intro APR period
Cons
- Best rewards limited to certain customers
- No bonus categories
- Requires good/excellent credit
Eligible for $100 in rewards
Annual fee
$0
Intro offer
N/A
Rewards rate
N/A
Recommended Credit Score
690-850
(Good - Excellent)
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Eligible for $100 in rewards
Annual fee
$0 intro for the first year, then $95
Intro offer
$300
Rewards rate
1.5%-6%
Cashback
Recommended Credit Score
690-850
(Good - Excellent)
- 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose (like Amazon.com, Walmart®, Target®and more).
- Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
- 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities).
- 1.5% Cash Back on all other eligible purchases.
- 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.
Pros
- High rewards rate
- Bonus categories
- New cardholder bonus offer
Cons
- Has annual fee
- Complicated rewards
Eligible for $100 in rewards
Annual fee
$0
Intro offer
25,000
Points
Rewards rate
1.5x
Points
Recommended Credit Score
690-850
(Good - Excellent)
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- Flexible rewards redemption
- Intro APR period
Cons
- Requires good/excellent credit
- No bonus categories
- Best rewards limited to certain customers
Eligible for $100 in rewards
Annual fee
$0
Intro offer
$250
Rewards rate
1%-5%
Cashback
Recommended Credit Score
690-850
(Good - Excellent)
- $250 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
- 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% - 29.74%.
- No Annual Fee
- Terms and conditions apply.
Pros
- No annual fee
- Bonus categories
- High rewards rate
Cons
- Complicated rewards
Eligible for $100 in rewards
APY
0.50%
With $0 min. balance for APY
Bonus
$300
Earn up to $300 with direct deposit. Terms apply.
Monthly fee
$0
Eligible for $100 in rewards
APY
4.60%
With $0 min. balance for APY
Bonus
$300
Earn up to $300 with direct deposit. Terms apply.
Monthly fee
$0
