How does the Bank of America MasterCard compare with other cards?

By , CardRatings contributor
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    Like most credit card issuers, Bank of America offers credit cards on a variety of platforms: MasterCard, Visa and American Express. While the differences between them may seem subtle, your purchasing patterns and travel habits may make one card a better deal for you than another.

    Among the specialized credit cards available from its website, Bank of America only offers three MasterCard accounts:

    • MLB®BankAmericard Cash Rewards™Credit Card. One of several specialized credit cards for sports fans, this card offers a 20 percent discount on official Major League Baseball memorabilia when you shop through the Add it Up® website, along with rewards points redeemable for special sports experiences and souvenirs.
    • Spirit Airlines MasterCard. Enjoy special perks and bonus miles on a growing discount air carrier.
    • Norwegian Cruise Line MasterCard. Trade points for special discounts and indulgences on your next cruise vacation.

    All three cards offer access to MasterCard's growing suite of member benefits, such as online discounts and "Priceless Rewards." If you're saving up for a particular reward from one of these three affinity partners, then you'll enjoy earning and redeeming your rewards points. However, if you're looking for the best overall value from Bank of America's credit card lineup, here's an one option:

    • BankAmericard Cash Rewards™ Credit Card. BofA revived its historic brand for this "1-2-3" cash back credit card. Earn 1 percent cash back on every purchase, 2 percent at grocery stores and 3 percent on gas for the first $1,500 in combined grocery and gas purchases each quarter.

    After a few years of focusing on growing its portfolio of private label and affinity credit cards, Bank of America recently streamlined its core offers under the BankAmericard brand. Bank of America credit cards come with another very valuable feature: access to knowledgeable associates at its local retail bank branches.

    Credit card offers change all the time, but many of Bank of America's accounts feature terms and conditions similar to those offered by other major issuers, including Chase, Citi and Capital One. Compare those deals to learn whether Bank of America has a credit card that fits your lifestyle and your budget.


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