| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
Earn 2.625% cash back on all purchases as a Preferred Rewards Platinum Honors tier member (1.5% base + 75% bonus).
|
2.63x | Cash Back | No cap |
|
All Other Purchases
Earn 2.25% cash back on all purchases as a Preferred Rewards Platinum tier member (1.5% base + 50% bonus).
|
2.25x | Cash Back | No cap |
|
All Other Purchases
Earn 1.875% cash back on all purchases as a Preferred Rewards Gold tier member (1.5% base + 25% bonus).
|
1.88x | Cash Back | No cap |
|
All Other Purchases
Earn unlimited 1.5% cash back on all purchases.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Introductory APR on Balance Transfers
0% introductory APR for the first 15 billing cycles for any balance transfers made within the first 60 days of account opening.
|
Financial | 0% Intro APR |
|
Introductory APR on Purchases
0% introductory APR for the first 15 billing cycles on purchases.
|
Financial | 0% Intro APR |
|
No Annual Fee
The card has no annual fee, allowing cardholders to earn rewards without an ongoing cost of ownership.
|
Financial |
$0
Up to $0
|
|
Overdraft Protection (Balance Connect®)
Optional service to help prevent declined purchases by linking your credit card to an eligible Bank of America checking account.
|
Financial | No transfer fee |
|
Extended Warranty Protection
Adds an extra year to eligible manufacturer's warranties of 3 years or less for qualifying items purchased with the card.
|
Insurance | Up to 1 additional year |
|
Museums on Us®
Free general admission to more than 225 cultural institutions on the first full weekend of every month.
|
Lifestyle | Complimentary admission |
|
Visa Signature® Concierge
Complimentary 24/7 access to a concierge for assistance with travel bookings, dinner reservations, and event tickets.
|
Lifestyle | Complimentary |
|
FICO® Score Access
Receive your FICO® Score for free updated monthly through Online or Mobile Banking.
|
Other | Complimentary |
|
First Year 2% Cash Back Bonus
New cardholders earn an elevated 2% cash back on all purchases for the first year from account opening.
|
Rewards | 2% cash back |
|
Online Cash Rewards Bonus
Earn a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
|
Rewards |
$200 bonus
Up to $200
|
|
Preferred Rewards Bonus
Bank of America Preferred Rewards members can earn a 25% to 75% rewards bonus on every purchase based on their tier.
|
Rewards | 25%-75% bonus |
|
Unlimited 1.5% Cash Back
Earn unlimited 1.5% cash back on all purchases, with no limit to the amount of cash back you can earn.
|
Rewards | 1.5% cash back |
|
$0 Liability Guarantee
Covers fraudulent transactions made by others using your account when reported promptly.
|
Security | Complimentary |
|
Fraud Monitoring
Bank of America blocks potential fraud if abnormal patterns are detected and notifies you of suspicious activity.
|
Security | Complimentary |
|
BankAmeriDeals®
Earn cash back on select deals when you use your Bank of America credit card at participating merchants.
|
Shopping | Varies by merchant |
|
Roadside Dispatch®
Pay-per-use roadside assistance program providing towing, fuel delivery, and tire changes.
|
Travel | Pay-per-use |
|
Travel and Emergency Assistance Services
Provides access to medical referral, emergency transportation, and emergency ticket replacement assistance while traveling.
|
Travel | Complimentary assistance |
