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Overview

Customized Cash Rewards

Customized Cash Rewards

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening

Earn Customized Cash Rewards

3%
Earn 3% cash back in the category of your choice, like online shopping

Cash Rewards Don't Expire

Cash rewards are easy to redeem and don't expire

Low Intro APR

on purchases and qualifying balance transfers for 18 billing cycles

$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening

Earn 3% cash back in the category of your choice, like online shopping

Unlimited Cash Rewards

Unlimited Cash Rewards

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

Earn Unlimited Cash Back

1.5%
Earn Unlimited 1.5% cash back on all purchases

Cash Rewards Don't Expire

Cash rewards are easy to redeem and don't expire

Low Intro APR

on purchases and qualifying balance transfers for 18 billing cycles

$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening

Earn unlimited 1.5% cash back on all purchases

Travel Rewards

Travel Rewards

25,000 online bonus points, a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening

Earn Unlimited Points

1.5
points for every $1 spent on all purchases, everywhere, every time

Points Don't Expire

No limit to the points you can earn and points do not expire

No Blackout Dates

Any airline, any hotel, anytime.
No blackout dates

25,000 Online Bonus Points, a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening

BankAmericard

BankAmericard®

Low intro APR offer on purchases and qualifying balance transfers for 21 billing cycles

Save on Interest

Save on interest to help pay down your balance faster

No Penalty APR

Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply

Low Intro APR Offer on purchases and qualifying balance transfers for 21 billing cycles

Premium Rewards

Premium Rewards®

50,000 online bonus points, a $500 value, after making at least $3,000 in purchases in the first 90 days of account opening

Earn Unlimited Points

2
points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases

Points Don't Expire

No limit to the points you can earn and points do not expire

Travel Statement Credit

Get up to $200 in combined Airline Incidental and TSA PreCheck®/ Global Entry statement credits

50,000 Online Bonus Points, a $500 value, after making at least $3,000 in purchases in the first 90 days of account opening

Bonus offers

$200 Online Bonus

after making at least $1,000 in purchases in the first 90 days of account opening

$200 Online Bonus

after making at least $1,000 in purchases in the first 90 days of account opening

25,000 Online Bonus Points

a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening

50,000 Online Bonus Points

a $500 value, after making at least $3,000 in purchases in the first 90 days of account opening

Rewards

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening

3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores or home improvement/furnishings
2% cash back at grocery stores and wholesale clubs
1% cash back on all other purchases
Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter

No expiration on rewards

To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening

Unlimited 1.5% cash back on all purchases

No limit to the amount of cash back you can earn

No expiration on rewards

25,000 online bonus points, a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening

Unlimited 1.5 points for every $1 spent on all purchases everywhere, every time

Flexibility to redeem points for a statement credit to pay for travel and dining purchases

No expiration on your points

No blackout dates
No booking restrictions
No foreign transaction fees

50,000 online bonus points, a $500 value, after making at least $3,000 in purchases in the first 90 days of account opening

Unlimited 2 points for every $1 spent on travel and dining purchases

Unlimited 1.5 points for every $1 spent on all other purchases

No expiration on your points

Redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center

Get up to $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees—automatically applied to your card statement.*

Get up to $100 in Airport Security Statement Credits towards TSA PreCheck®/Global Entry Application fees, every four years.*

Pricing

No Annual Fee

Low intro APR offer on purchases and qualifying balance transfers for 18 billing cycles

See Terms and Conditions for Customized Cash Rewards card.
Link opens in a new window for rate, fee and other cost information.

No Annual Fee

Low intro APR offer on purchases and qualifying balance transfers for 18 billing cycles

See Terms and Conditions for Unlimited Cash Rewards card.
Link opens in a new window for rate, fee and other cost information.

No Annual Fee

Low intro APR offer on purchases and qualifying balance transfers for 18 billing cycles

See Terms and Conditions for Travel Rewards card.
Link opens in a new window for rate, fee and other cost information.

No Annual Fee

Low intro APR offer on purchases and qualifying balance transfers for 21 billing cycles

Save on interest to help pay down your balance faster

No Penalty APR: Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply

See Terms and Conditions for BankAmericard® card.
Link opens in a new window for rate, fee and other cost information.

Low $95 Annual Fee

No foreign transaction fees

See Terms and Conditions for Premium Rewards® card.
Link opens in a new window for rate, fee and other cost information.

Get a 25%-75% rewards bonus with the Bank of America Preferred Rewards program

The Bank of America Preferred Rewards program gives you benefits and rewards across your eligible Bank of America® banking and Merrill® investment accounts. To learn more about the program call 1.888.888.7937

A Bank of America rewards card
+
the Bank of America Preferred Rewards program
=
Even more rewards

Customized Cash Rewards

Depending on your Preferred Rewards tier, your 3% choice category could increase to 3.75% - 5.25% cash back, and the 2% cash back at grocery stores and wholesale clubs could increase to 2.5% - 3.5%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.  Your unlimited 1% cash back could increase to 1.25% - 1.75% on all other purchases.

Unlimited Cash Rewards

Depending on your Preferred Rewards tier, the unlimited 1.5% cash back could increase to 1.87% - 2.62% cash back, on every purchase.

Travel Rewards

Depending on your Preferred Rewards tier, the unlimited 1.5 points for every $1 you spend could increase to 1.87 - 2.62 points for every $1 you spend on all purchases, everywhere, every time.

BankAmericard®

This card is not a part of the Bank of America Preferred Rewards program.

Premium Rewards®

Depending on your Preferred Rewards tier, you could earn 2.25 points - 3.5 points for every $1 you spend on travel and dining purchases and 1.87 points - 2.62 points for every $1 you spend on all other purchases.

Overview

Customized Cash Rewards

Customized Cash Rewards

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening

Earn Customized Cash Rewards

3%
Earn 3% cash back in the category of your choice, like online shopping

Cash Rewards Don't Expire

Cash rewards are easy to redeem and don't expire

Low Intro APR

on purchases and qualifying balance transfers for 18 billing cycles

$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening

Earn 3% cash back in the category of your choice, like online shopping

Unlimited Cash Rewards

Unlimited Cash Rewards

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

Earn Unlimited Cash Back

1.5%
Earn Unlimited 1.5% cash back on all purchases

Cash Rewards Don't Expire

Cash rewards are easy to redeem and don't expire

Low Intro APR

on purchases and qualifying balance transfers for 18 billing cycles

$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening

Earn unlimited 1.5% cash back on all purchases

Travel Rewards

Travel Rewards

25,000 online bonus points, a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening

Earn Unlimited Points

1.5
points for every $1 spent on all purchases, everywhere, every time

Points Don't Expire

No limit to the points you can earn and points do not expire

No Blackout Dates

Any airline, any hotel, anytime.
No blackout dates

25,000 Online Bonus Points, a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening

BankAmericard

BankAmericard®

Low intro APR offer on purchases and qualifying balance transfers for 21 billing cycles

Save on Interest

Save on interest to help pay down your balance faster

No Penalty APR

Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply

Low Intro APR Offer on purchases and qualifying balance transfers for 21 billing cycles

Premium Rewards

Premium Rewards®

50,000 online bonus points, a $500 value, after making at least $3,000 in purchases in the first 90 days of account opening

Earn Unlimited Points

2
points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases

Points Don't Expire

No limit to the points you can earn and points do not expire

Travel Statement Credit

Get up to $200 in combined Airline Incidental and TSA PreCheck®/ Global Entry statement credits

50,000 Online Bonus Points, a $500 value, after making at least $3,000 in purchases in the first 90 days of account opening

These online only offers may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of these offers when you apply now.

Call to apply: 1.877.226.8944

$0 Liability Guarantee, which helps protect you from fraudulent card transactions

Use of our network of financial centers and ATMs

Access to our award winning Online and Mobile Banking service

The security of a chip card with the convenience of a tap

Credit card programs are issued and administered by Bank of America, N.A. Mastercard is a registered trademark of Mastercard International Incorporated and is used by the issuer pursuant to license. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. BankAmericard, Premium Rewards, Merrill, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Preferred Rewards Program Eligibility: To enroll in the Preferred Rewards program you must have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:

  • a three-month combined average daily balance in your qualifying deposit and investment accounts or
  • a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.
You must have a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Bank of America Private Bank clients qualify to enroll in the Diamond tier, and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill, and Private Bank balances. Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please visit the Employee Financial Services intranet site.

Credit Card Preferred Rewards Bonus. Certain credit cards are eligible to receive a Preferred Rewards bonus. Enrolled Preferred Rewards members with eligible Bank of America® credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your Cash Rewards or Points. The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. Visit bankofamerica.com/preferred-rewards for a complete list of ineligible cards. 1121PR.CCPRB.GNRC.MLTPL.1121

*Card Benefits. Certain restrictions apply to each benefit. Details accompany new account materials.

Airline Incidental Statement Credit. You are eligible for a statement credit of up to $100 each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards® credit card to pay all airline incidental fee transactions. Allow 2-3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open and not in default at the time of statement credit fulfillment. Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include: preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit: Allegiant Air, Spirit Airlines, and Sun Country Airlines. 0620RLL.PR.AI.SC.0920

Airline Security Statement Credit Airport Security Statement Credit. You are entitled to up to $100 in statement credits per account every four years in connection with the TSA Precheck® or Global Entry program when you use your Premium Rewards® credit card to pay the application fee(s). Statement credits, not to exceed a total of $100, will be applied in the order that the qualifying transactions posted to your account. Allow 2-3 weeks from qualifying, for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. TSA Precheck® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Bank of America has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and no liability regarding the Global Entry or TSA Precheck® programs. For complete details on the TSA Precheck® program, go to tsa.gov/precheck. For complete details on the Global Entry program, go to http://www.cbp.gov/global-entry/about. The TSA Precheck® trademark is used with the permission of the U.S. Department of Homeland Security. 0621RLL.PR.AS.SC.0422