Bottom Line The Bank of America® Premium Rewards® credit card is one of the best rewards cards for people with excellent credit who like to travel and dine out. In fact, it ranks as the best BofA card in WalletHub’s Credit Card Rewards Report, given that the average person can save more than $1,600 in the first two years. WalletHub's credit card reviews are independent and not provided. Bank of America Custom Cash Secured Card's Additional Info Credit line $200-$5,000. Your maximum credit line is determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established. Yes, Bank of America does offer travel insurance. The most common Bank of America travel insurance benefits are trip cancellation and interruption and rental car insurance. Some Bank of America credit cards also offer lost luggage reimbursement and travel accident insurance coverage. How to File a Bank of America Rental Car Insurance Claim To file a Bank of America rental car insurance claim, call the Benefit Administrator at 1 (800) 348-8472 or visit the card’s benefits website to obtain a claim form. The Bank of America Customized Cash Rewards credit card may be a better choice if you are a BofA Rewards™ member, as that can greatly boost your cash back earnings. The Bank of America Customized Cash Rewards credit card receives slightly better ratings from WalletHub’s users, but Chase Freedom Unlimited gets a better score from our editors. The Bank of America® Premium Rewards® credit card is a great option for people with excellent credit who spend at least $1,334 per month (enough to qualify for the initial bonus) and like to travel as well as dine out. It’s also particularly rewarding for people with a Bank of America checking account and a Merrill investment account. The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from Bank of America with limited credit history or a bad credit score, for example. The best Bank of America credit card for international students is the Bank of America® Unlimited Cash Rewards credit card for Students. It offers great rewards, has a low APR promotion, and doesn’t charge annual or foreign fees. The only drawback is that it requires excellent credit, so it’s difficult for students to qualify. The Bank of America® Customized Cash Rewards credit card for Students is a good option for students with excellent credit who want to earn bonus rewards on purchases from grocery stores, wholesale clubs, and a category of their choice. Cardholders can earn 1 - 6% cash back, plus an initial bonus, and enjoy a $0 annual fee. Yes, Bank of America does have 24-hour customer service for credit cards. To reach live customer service representatives at any time, call either (800) 732-9194 or the number you see on the back of your card.