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Unlimited 2% cash back on purchases for the first year
Earn 2% cash back on all purchases in year one with $0 annual fee, a $200 welcome bonus, and up to 2.62% ongoing with Preferred Rewards
$0
Annual Fee
1.5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
0.6–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Program & Transfers
Bank of America Rewards Points is a straightforward statement credit program with a fixed 1 cpp value for travel and dining redemptions. There are no transfer partners, so redemption flexibility is limited compared to Chase Ultimate Rewards or American Express Membership Rewards. However, the Preferred Rewards program can significantly boost earning rates by up to 75% for members with qualifying Bank of America and Merrill combined account balances.
Details & Terms
| Purchase APR | 17.49%–27.49% (Variable) |
| Foreign Transaction Fee | 3% |
Cash Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bank Of America Customized Cash | mid | $0 |
Product changes available between family members without a new credit inquiry.
No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.
Media & Resources
Unlimited 2% cash back on purchases for the first year
Earn 2% cash back on all purchases in year one with $0 annual fee, a $200 welcome bonus, and up to 2.62% ongoing with Preferred Rewards
$0
Annual Fee
1.5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
0.6–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Program & Transfers
Bank of America Rewards Points is a straightforward statement credit program with a fixed 1 cpp value for travel and dining redemptions. There are no transfer partners, so redemption flexibility is limited compared to Chase Ultimate Rewards or American Express Membership Rewards. However, the Preferred Rewards program can significantly boost earning rates by up to 75% for members with qualifying Bank of America and Merrill combined account balances.
Details & Terms
| Purchase APR | 17.49%–27.49% (Variable) |
| Foreign Transaction Fee | 3% |
Cash Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bank Of America Customized Cash | mid | $0 |
Product changes available between family members without a new credit inquiry.
No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.
Media & Resources
Unlimited 2% cash back on purchases for the first year
Earn 2% cash back on all purchases in year one with $0 annual fee, a $200 welcome bonus, and up to 2.62% ongoing with Preferred Rewards
$0
Annual Fee
1.5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
0.6–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Program & Transfers
Bank of America Rewards Points is a straightforward statement credit program with a fixed 1 cpp value for travel and dining redemptions. There are no transfer partners, so redemption flexibility is limited compared to Chase Ultimate Rewards or American Express Membership Rewards. However, the Preferred Rewards program can significantly boost earning rates by up to 75% for members with qualifying Bank of America and Merrill combined account balances.
Details & Terms
| Purchase APR | 17.49%–27.49% (Variable) |
| Foreign Transaction Fee | 3% |
Cash Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bank Of America Customized Cash | mid | $0 |
Product changes available between family members without a new credit inquiry.
No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.
Media & Resources
Total face value: $8
Estimated annual value: $75
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 0% APR 15 months | — | Statement Credit | — | |
| 3% balance transfer fee | — | Statement Credit | — | |
| Up to 8% Booking.com credit | $8/Per stay | Travel | Per stay |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get Visa Signature protections including purchase protection, extended warranty, and emergency travel assistance
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Bank of America is rebranding its Preferred Rewards program to 'BofA Rewards' in May 2026 with updated tier names, new elite benefits, and refreshed asset thresholds for Diamond tier
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic roundtrip flight statement credit | 30,000–50,000 | — | — | united_states |
| International economy flight statement credit | 60,000–100,000 | — | economy | europe |
| Premium cabin international flight statement credit | 100,000–150,000 | — | business | asia |
| Hotel stay statement credit | 15,000–30,000 | — | — | united_states |
| Vacation rental statement credit | 20,000–40,000 | — | — | united_states |
| Dining statement credit | 2,500–10,000 | — | — | global |
We don't recommend this card due to its minimal rewards and lack of valuable travel benefits. Better options exist that provide stronger incentives to continue with the points and miles hobby, even among no-annual-fee alternatives.
We don't recommend this card. It offers a low sign-up bonus and lacks meaningful travel benefits or other valuable perks typically found in cards we recommend. While no-annual-fee cash back cards like this one might seem appealing to beginners due to their simplicity, we suggest choosing a higher-value card with more substantial rewards that will keep you motivated in the points and miles hobby. Using one of your 5/24 slots on this card isn't advisable.
This card offers simplicity and cash back rewards with minimal commitment. The main advantages include:
- **Easy sign-up bonus**: Spend $1,000 in the first three months to earn $200 cash back — an immediate 20% return on purchases you would have made anyway.
- **Consistent cash back rate**: Earn 1.5% cash back on all purchases with no rotating categories or spending caps to track.
- **No annual fee**: Keep the card long-term without worrying about justifying a recurring cost.
Beyond these core features, the card offers few additional benefits, which is typical for no-annual-fee cash back cards. You can potentially increase your earnings through the Preferred Rewards program, but even with this enhancement, you'd likely benefit more from opening a different card with a higher welcome offer rather than continuing to use this card with its modest returns.
The Preferred Rewards Program requires an eligible Bank of America personal checking account and a three-month average balance of at least $20,000 across all Bank of America and Merrill Investment accounts. This qualifies you for Gold Tier status, providing a 25% earning bonus on your cash back. Higher tiers offer even greater bonuses, with Platinum Honors and Diamond tiers providing up to 75% more cash back.
This card might not be suitable for you because:
- It provides minimal rewards value with its low sign-up bonus and 1.5% cash back rate. Better options exist, even among no-annual-fee cards.
**Bank of America Travel Rewards is a low tier program in the points and miles hobby:**
- There are one or two cards worth getting, but only in the right situations
- Having an existing relationship with the bank or needing a break from the big credit card issuers are the main reasons you might want to get into this system
- Redeeming rewards is simple and straightforward, but you’ll only earn 1 cent per point at best
- Many cards only offer cash back rewards
- Its lack of any transfer partners puts this system near the bottom of our rankings
Bank of America offers several cards that form a progression of increasing value and benefits. Understanding where the Unlimited Cash Rewards fits can help you determine if it's right for your needs:
**Bank of America Customized Cash Rewards**(No annual fee)
- $200 welcome offer with more targeted rewards
- Choose one category for 3% cash back
- Earn 2% on groceries and wholesale clubs
- Limited by a $2,500 combined quarterly spending cap (1% thereafter)
For those ready to advance beyond basic cash back cards, Bank of America offers two premium options:
**Bank of America Premium Rewards** ($95 annual fee)
- Significantly higher value with a 60,000-point sign-up bonus after $4,000 spend in 90 days
- Enhanced earning structure: 2x points on travel and dining, 1.5x points on everything else with no spending limits
- Valuable travel benefits that justify the annual fee:
- $100 Airline Incidental Statement Credits
- $100 credit for TSA Precheck or Global Entry
**Bank of America Premium Rewards Elite** ($550 annual fee)
- 75,000-point sign-up bonus after $5,000 in purchases within 90 days
- Same earning rates as the Premium Rewards card (2x on travel/dining, 1.5x on everything else)
- Premium benefits package worth $550 in statement credits:
- $300 for Airline Incidentals
- $100 for TSA Precheck/Global Entry
- $150 for lifestyle conveniences (streaming, food delivery, fitness subscriptions)
- Additional luxury perks like 20% savings on airfare when paying with points and up to four complimentary Priority Pass Select Memberships
With all Bank of America cards, participation in their Preferred Rewards program can significantly boost your earning potential based on your banking relationship, making even their premium cards potentially more valuable for existing Bank of America customers.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.
You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.
No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.
Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.
Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.
Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).
Comprehensive review highlighting the Preferred Rewards program potential to boost the flat rate up to 2.62%, with detailed pros/cons analysis.
Detailed review covering the flat rate cash back structure, Preferred Rewards boost potential, and comparison to competing no-annual-fee cards.
In-depth editorial review with ecosystem fit analysis, ideal-for and not-ideal-for sections, and Bank of America card family comparison.
Guide explaining how to earn 25-75% more cash back through the Preferred Rewards program by maintaining qualifying account balances.
Expert review covering rewards structure, rates and fees, and how to maximize value with Preferred Rewards membership.
Review covering the card's straightforward 1.5% cash back on every purchase and how it compares to competing flat-rate cards.
Analysis of the 2% first-year cash back promotion and the card's competitive positioning among no-annual-fee cash back cards.
Cardholder reviews and data including average credit limits and approval odds for this flat-rate cash back card.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Total face value: $8
Estimated annual value: $75
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 0% APR 15 months | — | Statement Credit | — | |
| 3% balance transfer fee | — | Statement Credit | — | |
| Up to 8% Booking.com credit | $8/Per stay | Travel | Per stay |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get Visa Signature protections including purchase protection, extended warranty, and emergency travel assistance
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Bank of America is rebranding its Preferred Rewards program to 'BofA Rewards' in May 2026 with updated tier names, new elite benefits, and refreshed asset thresholds for Diamond tier
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic roundtrip flight statement credit | 30,000–50,000 | — | — | united_states |
| International economy flight statement credit | 60,000–100,000 | — | economy | europe |
| Premium cabin international flight statement credit | 100,000–150,000 | — | business | asia |
| Hotel stay statement credit | 15,000–30,000 | — | — | united_states |
| Vacation rental statement credit | 20,000–40,000 | — | — | united_states |
| Dining statement credit | 2,500–10,000 | — | — | global |
We don't recommend this card due to its minimal rewards and lack of valuable travel benefits. Better options exist that provide stronger incentives to continue with the points and miles hobby, even among no-annual-fee alternatives.
We don't recommend this card. It offers a low sign-up bonus and lacks meaningful travel benefits or other valuable perks typically found in cards we recommend. While no-annual-fee cash back cards like this one might seem appealing to beginners due to their simplicity, we suggest choosing a higher-value card with more substantial rewards that will keep you motivated in the points and miles hobby. Using one of your 5/24 slots on this card isn't advisable.
This card offers simplicity and cash back rewards with minimal commitment. The main advantages include:
- **Easy sign-up bonus**: Spend $1,000 in the first three months to earn $200 cash back — an immediate 20% return on purchases you would have made anyway.
- **Consistent cash back rate**: Earn 1.5% cash back on all purchases with no rotating categories or spending caps to track.
- **No annual fee**: Keep the card long-term without worrying about justifying a recurring cost.
Beyond these core features, the card offers few additional benefits, which is typical for no-annual-fee cash back cards. You can potentially increase your earnings through the Preferred Rewards program, but even with this enhancement, you'd likely benefit more from opening a different card with a higher welcome offer rather than continuing to use this card with its modest returns.
The Preferred Rewards Program requires an eligible Bank of America personal checking account and a three-month average balance of at least $20,000 across all Bank of America and Merrill Investment accounts. This qualifies you for Gold Tier status, providing a 25% earning bonus on your cash back. Higher tiers offer even greater bonuses, with Platinum Honors and Diamond tiers providing up to 75% more cash back.
This card might not be suitable for you because:
- It provides minimal rewards value with its low sign-up bonus and 1.5% cash back rate. Better options exist, even among no-annual-fee cards.
**Bank of America Travel Rewards is a low tier program in the points and miles hobby:**
- There are one or two cards worth getting, but only in the right situations
- Having an existing relationship with the bank or needing a break from the big credit card issuers are the main reasons you might want to get into this system
- Redeeming rewards is simple and straightforward, but you’ll only earn 1 cent per point at best
- Many cards only offer cash back rewards
- Its lack of any transfer partners puts this system near the bottom of our rankings
Bank of America offers several cards that form a progression of increasing value and benefits. Understanding where the Unlimited Cash Rewards fits can help you determine if it's right for your needs:
**Bank of America Customized Cash Rewards**(No annual fee)
- $200 welcome offer with more targeted rewards
- Choose one category for 3% cash back
- Earn 2% on groceries and wholesale clubs
- Limited by a $2,500 combined quarterly spending cap (1% thereafter)
For those ready to advance beyond basic cash back cards, Bank of America offers two premium options:
**Bank of America Premium Rewards** ($95 annual fee)
- Significantly higher value with a 60,000-point sign-up bonus after $4,000 spend in 90 days
- Enhanced earning structure: 2x points on travel and dining, 1.5x points on everything else with no spending limits
- Valuable travel benefits that justify the annual fee:
- $100 Airline Incidental Statement Credits
- $100 credit for TSA Precheck or Global Entry
**Bank of America Premium Rewards Elite** ($550 annual fee)
- 75,000-point sign-up bonus after $5,000 in purchases within 90 days
- Same earning rates as the Premium Rewards card (2x on travel/dining, 1.5x on everything else)
- Premium benefits package worth $550 in statement credits:
- $300 for Airline Incidentals
- $100 for TSA Precheck/Global Entry
- $150 for lifestyle conveniences (streaming, food delivery, fitness subscriptions)
- Additional luxury perks like 20% savings on airfare when paying with points and up to four complimentary Priority Pass Select Memberships
With all Bank of America cards, participation in their Preferred Rewards program can significantly boost your earning potential based on your banking relationship, making even their premium cards potentially more valuable for existing Bank of America customers.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.
You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.
No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.
Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.
Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.
Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).
Comprehensive review highlighting the Preferred Rewards program potential to boost the flat rate up to 2.62%, with detailed pros/cons analysis.
Detailed review covering the flat rate cash back structure, Preferred Rewards boost potential, and comparison to competing no-annual-fee cards.
In-depth editorial review with ecosystem fit analysis, ideal-for and not-ideal-for sections, and Bank of America card family comparison.
Guide explaining how to earn 25-75% more cash back through the Preferred Rewards program by maintaining qualifying account balances.
Expert review covering rewards structure, rates and fees, and how to maximize value with Preferred Rewards membership.
Review covering the card's straightforward 1.5% cash back on every purchase and how it compares to competing flat-rate cards.
Analysis of the 2% first-year cash back promotion and the card's competitive positioning among no-annual-fee cash back cards.
Cardholder reviews and data including average credit limits and approval odds for this flat-rate cash back card.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Total face value: $8
Estimated annual value: $75
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 0% APR 15 months | — | Statement Credit | — | |
| 3% balance transfer fee | — | Statement Credit | — | |
| Up to 8% Booking.com credit | $8/Per stay | Travel | Per stay |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get Visa Signature protections including purchase protection, extended warranty, and emergency travel assistance
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Bank of America is rebranding its Preferred Rewards program to 'BofA Rewards' in May 2026 with updated tier names, new elite benefits, and refreshed asset thresholds for Diamond tier
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic roundtrip flight statement credit | 30,000–50,000 | — | — | united_states |
| International economy flight statement credit | 60,000–100,000 | — | economy | europe |
| Premium cabin international flight statement credit | 100,000–150,000 | — | business | asia |
| Hotel stay statement credit | 15,000–30,000 | — | — | united_states |
| Vacation rental statement credit | 20,000–40,000 | — | — | united_states |
| Dining statement credit | 2,500–10,000 | — | — | global |
We don't recommend this card due to its minimal rewards and lack of valuable travel benefits. Better options exist that provide stronger incentives to continue with the points and miles hobby, even among no-annual-fee alternatives.
We don't recommend this card. It offers a low sign-up bonus and lacks meaningful travel benefits or other valuable perks typically found in cards we recommend. While no-annual-fee cash back cards like this one might seem appealing to beginners due to their simplicity, we suggest choosing a higher-value card with more substantial rewards that will keep you motivated in the points and miles hobby. Using one of your 5/24 slots on this card isn't advisable.
This card offers simplicity and cash back rewards with minimal commitment. The main advantages include:
- **Easy sign-up bonus**: Spend $1,000 in the first three months to earn $200 cash back — an immediate 20% return on purchases you would have made anyway.
- **Consistent cash back rate**: Earn 1.5% cash back on all purchases with no rotating categories or spending caps to track.
- **No annual fee**: Keep the card long-term without worrying about justifying a recurring cost.
Beyond these core features, the card offers few additional benefits, which is typical for no-annual-fee cash back cards. You can potentially increase your earnings through the Preferred Rewards program, but even with this enhancement, you'd likely benefit more from opening a different card with a higher welcome offer rather than continuing to use this card with its modest returns.
The Preferred Rewards Program requires an eligible Bank of America personal checking account and a three-month average balance of at least $20,000 across all Bank of America and Merrill Investment accounts. This qualifies you for Gold Tier status, providing a 25% earning bonus on your cash back. Higher tiers offer even greater bonuses, with Platinum Honors and Diamond tiers providing up to 75% more cash back.
This card might not be suitable for you because:
- It provides minimal rewards value with its low sign-up bonus and 1.5% cash back rate. Better options exist, even among no-annual-fee cards.
**Bank of America Travel Rewards is a low tier program in the points and miles hobby:**
- There are one or two cards worth getting, but only in the right situations
- Having an existing relationship with the bank or needing a break from the big credit card issuers are the main reasons you might want to get into this system
- Redeeming rewards is simple and straightforward, but you’ll only earn 1 cent per point at best
- Many cards only offer cash back rewards
- Its lack of any transfer partners puts this system near the bottom of our rankings
Bank of America offers several cards that form a progression of increasing value and benefits. Understanding where the Unlimited Cash Rewards fits can help you determine if it's right for your needs:
**Bank of America Customized Cash Rewards**(No annual fee)
- $200 welcome offer with more targeted rewards
- Choose one category for 3% cash back
- Earn 2% on groceries and wholesale clubs
- Limited by a $2,500 combined quarterly spending cap (1% thereafter)
For those ready to advance beyond basic cash back cards, Bank of America offers two premium options:
**Bank of America Premium Rewards** ($95 annual fee)
- Significantly higher value with a 60,000-point sign-up bonus after $4,000 spend in 90 days
- Enhanced earning structure: 2x points on travel and dining, 1.5x points on everything else with no spending limits
- Valuable travel benefits that justify the annual fee:
- $100 Airline Incidental Statement Credits
- $100 credit for TSA Precheck or Global Entry
**Bank of America Premium Rewards Elite** ($550 annual fee)
- 75,000-point sign-up bonus after $5,000 in purchases within 90 days
- Same earning rates as the Premium Rewards card (2x on travel/dining, 1.5x on everything else)
- Premium benefits package worth $550 in statement credits:
- $300 for Airline Incidentals
- $100 for TSA Precheck/Global Entry
- $150 for lifestyle conveniences (streaming, food delivery, fitness subscriptions)
- Additional luxury perks like 20% savings on airfare when paying with points and up to four complimentary Priority Pass Select Memberships
With all Bank of America cards, participation in their Preferred Rewards program can significantly boost your earning potential based on your banking relationship, making even their premium cards potentially more valuable for existing Bank of America customers.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.
You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.
No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.
Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.
Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.
Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).
Comprehensive review highlighting the Preferred Rewards program potential to boost the flat rate up to 2.62%, with detailed pros/cons analysis.
Detailed review covering the flat rate cash back structure, Preferred Rewards boost potential, and comparison to competing no-annual-fee cards.
In-depth editorial review with ecosystem fit analysis, ideal-for and not-ideal-for sections, and Bank of America card family comparison.
Guide explaining how to earn 25-75% more cash back through the Preferred Rewards program by maintaining qualifying account balances.
Expert review covering rewards structure, rates and fees, and how to maximize value with Preferred Rewards membership.
Review covering the card's straightforward 1.5% cash back on every purchase and how it compares to competing flat-rate cards.
Analysis of the 2% first-year cash back promotion and the card's competitive positioning among no-annual-fee cash back cards.
Cardholder reviews and data including average credit limits and approval odds for this flat-rate cash back card.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
