| Category | Rate | Type | Cap |
|---|---|---|---|
|
Air France, KLM, and SkyTeam Member Airline Purchases
Earn 3 Flying Blue miles per dollar spent on eligible purchases made directly with Air France, KLM Royal Dutch Airlines, and SkyTeam member airlines.
|
3x | Miles | No cap |
|
Dining
Earn 3 Flying Blue miles per dollar spent at eligible restaurants and dining establishments worldwide; added as a new bonus category at the card's January 2026 relaunch.
|
3x | Miles | No cap |
|
All Other Purchases
Earn 1.5 Flying Blue miles per dollar spent on all purchases not covered by the 3x bonus categories, with no earning cap.
|
1.5x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Foreign Transaction Fees
No fees charged on purchases made outside the United States or in a foreign currency, making the card ideal for travel in France, the Netherlands, and international destinations served by Flying Blue and SkyTeam partners.
|
Financial | 0% foreign transaction fee |
|
Overdraft Protection
Optional overdraft protection service that links the credit card to an eligible Bank of America checking account to help prevent declined purchases, returned checks, or other overdrafts; transfer fees may apply.
|
Financial | Complimentary (transfer fees may apply) |
|
Cell Phone Protection
Coverage for damage or theft of the cardholder's cell phone when the monthly cell phone bill is paid with the card; subject to a deductible and per-claim maximum as disclosed in the Guide to Benefits.
|
Insurance | Complimentary (deductible applies) |
|
Common Carrier Travel Accident Insurance
Automatic accidental death and dismemberment coverage when the full travel fare is charged to the card for travel on a licensed common carrier.
|
Insurance | Complimentary |
|
Extended Warranty Protection
Doubles the time period of the original manufacturer's warranty up to one additional year on eligible purchases paid with the card.
|
Insurance | +1 year on eligible warranties |
|
Lost Luggage Reimbursement
Reimbursement for lost, damaged, or stolen checked or carry-on baggage when the common carrier fare is paid with the card.
|
Insurance | Complimentary |
|
Primary Rental Car Collision Damage Waiver
Provides PRIMARY collision damage waiver coverage for damage or theft of eligible rental vehicles when the full rental is paid with the card and the rental company's coverage is declined — primary coverage means it pays before your personal auto insurance.
|
Insurance | Primary CDW coverage |
|
Trip Delay Reimbursement
Reimbursement for eligible expenses (meals, lodging, transportation) when a covered trip is delayed by a qualifying number of hours, when the travel fare is paid with the card.
|
Insurance | Complimentary |
|
Visa Signature Concierge Service
24/7 access to a personal Visa Signature concierge service that can assist with travel bookings, restaurant reservations, event tickets, gift sourcing, and other lifestyle requests.
|
Lifestyle | Complimentary |
|
Account Alerts
Customizable email or text alerts to notify cardholders of payment due dates, payment confirmations, balance thresholds, and other account activity.
|
Other | Complimentary |
|
Bank of America Mobile Banking App
Full-featured mobile banking app for viewing balances, making payments, managing Flying Blue miles, setting alerts, and accessing account features.
|
Other | Complimentary |
|
Free FICO® Score Access
Cardholders who opt in can access their FICO® Score updated monthly for free within the Bank of America Mobile Banking app or Online Banking.
|
Other | Complimentary |
|
1.5X Miles on All Other Purchases
Earn 1.5 Flying Blue miles per dollar spent on all purchases not covered by a higher bonus category, with no earning cap.
|
Rewards | 1.5x miles |
|
20 XP Anniversary Bonus
Receive 20 Experience Points (XP) toward Flying Blue elite status each year on your account anniversary.
|
Rewards | 20 XP per year |
|
3X Miles on Air France, KLM, and SkyTeam Airline Purchases
Earn 3 Flying Blue miles per dollar spent on eligible purchases directly with Air France, KLM Royal Dutch Airlines, and SkyTeam member airlines.
|
Rewards | 3x miles |
|
3X Miles on Dining
Earn 3 Flying Blue miles per dollar spent at eligible restaurants and dining establishments worldwide; this is a new bonus category added at the card's January 2026 relaunch.
|
Rewards | 3x miles |
|
5,000 Anniversary Bonus Miles
Receive 5,000 bonus Flying Blue miles deposited into your account each year on your account anniversary, provided you have spent at least $50 on the card during the anniversary year.
|
Rewards | 5,000 miles per year |
|
60 XP Bonus After $25,000 Annual Spend
Earn an additional 60 XP (totaling 160 XP with all other anniversary XP bonuses) on your account anniversary after spending $25,000 or more on the card within the anniversary year.
|
Rewards | 60 XP (160 XP total with all anniversary bonuses) |
|
80 XP Bonus After $15,000 Annual Spend
Earn an additional 80 XP (totaling 100 XP with the base anniversary XP) on your account anniversary after spending $15,000 or more on the card within the anniversary year.
|
Rewards | 80 XP (100 XP total with anniversary bonus) |
|
Flying Blue Promo Rewards Access
Cardholders with a Flying Blue miles balance can take advantage of monthly Flying Blue Promo Rewards offering 25%–50% off award redemptions on rotating eligible routes operated by Air France, KLM, and SkyTeam partners.
|
Rewards | 25%–50% off select award routes monthly |
|
Welcome Bonus — 100 XP (Flying Blue Silver Status)
Earn 100 Experience Points (XP) upon meeting the welcome bonus spend requirement, which is sufficient to instantly qualify for Flying Blue Silver elite status.
|
Rewards | 100 XP (Flying Blue Silver status) |
|
Welcome Bonus — Flying Blue Miles
Earn 50,000 bonus Flying Blue miles after spending $2,000 or more in purchases within the first 90 days of account opening (standard public offer; a limited-time 70,000-mile offer after $3,000 in 90 days has also been available).
|
Rewards | 50,000 bonus miles |
|
$0 Liability Guarantee for Fraud
Cardholders are not responsible for any unauthorized transactions reported promptly; Bank of America's $0 Liability Guarantee covers fraudulent charges made with the card.
|
Security | $0 liability |
|
Chip Technology
Card is equipped with EMV chip technology for enhanced security and protection when making purchases at chip-enabled terminals worldwide.
|
Security | Complimentary |
|
Fraud Monitoring and Alerts
Bank of America monitors the account for suspicious or unusual activity and alerts cardholders via text, email, or phone when potentially fraudulent transactions are detected.
|
Security | Complimentary |
|
Roadside Dispatch
24/7 pay-per-use roadside assistance program with pre-negotiated rates for towing, jump-starts, tire changes, lockout assistance, and fuel delivery.
|
Travel | Pay-per-use at pre-negotiated rates |
|
Travel and Emergency Assistance Services
24-hour access to travel and emergency assistance services including medical, legal, and transportation referrals when traveling away from home; costs for actual services are the cardholder's responsibility.
|
Travel | Complimentary coordination service |
