| Category | Rate | Type | Cap |
|---|---|---|---|
|
Norwegian Cruise Line Purchases
Earn 3 points for every $1 spent on qualifying Norwegian Cruise Line purchases.
|
3x | Points | No cap |
|
All Other Purchases
Earn 1 point for every $1 spent on all other purchases.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The card has no annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fees
Pay no foreign transaction fees when you use your card for purchases outside the United States.
|
Financial |
0%
Up to $0
|
|
Overdraft Protection (Balance Connect®)
Link your credit card to an eligible Bank of America checking account to help prevent declined purchases and returned checks.
|
Financial | Complimentary link |
|
Cell Phone Protection
Get reimbursed up to $800 per claim (with a $50 deductible) if your cell phone is broken or stolen when you pay your monthly bill with the card.
|
Insurance |
Up to $800 per claim
Up to $800
|
|
Museums on Us®
Free general admission to more than 225 cultural institutions on the first full weekend of every month.
|
Lifestyle | Complimentary admission |
|
Free FICO® Score
Receive your FICO® Score for free, updated monthly, through Online or Mobile Banking.
|
Other | Complimentary |
|
2x Points on Airline and Hotel Purchases
Earn 2 points for every $1 spent on eligible airline and hotel purchases.
|
Rewards | 2 points per $1 |
|
3x Points on Norwegian Cruise Line Purchases
Earn 3 points for every $1 spent on qualifying Norwegian Cruise Line vacations and onboard purchases.
|
Rewards | 3 points per $1 |
|
Flexible Redemption Options
Redeem points for stateroom upgrades, cruise discounts, onboard credits, car rentals, hotel stays, cash, and gift cards.
|
Rewards | Starts at 2,500 points |
|
Online Bonus Points Offer
Earn 20,000 bonus points after making at least $1,000 in purchases in the first 90 days of account opening.
|
Rewards | 20,000 points |
|
Unlimited 1x Points
Earn 1 point for every $1 spent on all other purchases.
|
Rewards | 1 point per $1 |
|
$0 Liability Guarantee
Assurance that you are not responsible for fraudulent charges on your account when reported promptly.
|
Security | Complimentary |
|
Contactless Payment
Secure, touch-free technology for faster checkout at participating merchants.
|
Security | Complimentary |
|
BankAmeriDeals®
Choose deals from participating stores and restaurants and earn cash back as a statement credit.
|
Shopping | Varies by merchant |
|
Mastercard Travel & Lifestyle Services
Access to a suite of travel benefits including hotel amenities, travel planning, and luxury lifestyle perks.
|
Travel | Complimentary access |
