Valid on all Alaska Airlines flights booked on alaskaair.com. Relationship-based ads and online behavioral advertising help us do that. Bank of America Premium Rewards Elite Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. EDD Prepaid Debit Card - Home Page Know fraud when you see it You can also forward any suspicious text message to your cell phone provider at 7726 ("SPAM") and follow their instructions or report any concerns to abuse@bankofamerica.com. When you choose cremation for yourself or a loved one, the type of service, cemetery property and cremation memorialization items such as urns and keepsake jewelry can all be . Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening with no annual fee and cash rewards dont expire. On that page, click on the Apply Now button. While many airline credit cards only offer one mile per dollar spent on general purchases, the Air France KLM World Elite Mastercard lets you earn 50% more. Georgia is a state in the Southeastern region of the United States, bordered to the north by Tennessee and North Carolina; to the northeast by South Carolina; to the southeast by the Atlantic Ocean; to the south by Florida; and to the west by Alabama.Georgia is the 24th-largest state in area and 8th most populous of the 50 United States.Its 2020 population was 10,711,908, according to the U.S . If youre a serious travel awards enthusiast, youll probably be better off using a card that lets you transfer your rewards to airline miles. This bonus value is an estimated valuation. View job listing details and apply now. At each tier a customer will receive discounts on Bank of America products and an increase on rewards by 25%, 50% or 75% respectively. The Air France KLM World Elite Mastercard* offers an above-average earning rate and a generous rewards program (Flying Blue) giving this card tremendous value for economy and luxury travelers alike. And since it has no foreign transaction fees, its also a great card to use when traveling. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. When the luggage is delayed for more than 6 hours, the compensation amounts to $100 for every day of the delay. If yours does, remove the sticker before signing. The card also offers a plethora of travel and purchase protections to help keep you covered. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency. An account holder can also use these tools to view credit card bills online, transfer funds, check available credit or configure account alerts. Other Benefits and Drawbacks: If youre looking for simple cash back on all your spending, this card will deliver. Applications can also be saved for later so long as any application started is completed within 30 days. Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500Read More, 17.74% - 27.74% Variable APR on purchases and balance transfers. Earn 40,000 bonus miles and Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from just $22) after you make $2,000 or more in purchases within the first 90 days of opening your account. Students who want to maximize rewards and are willing to tolerate a card with a more complex system of cash-back rewards will find the Bank of America Customized Cash Rewards credit card for Students to be a highly rewarding option. Frequent non-student travelers will likely be better off with one of the banks numerous travel rewards cards, whichever of the co-branded cards fits best: Bank of America has co-branded cards with Air France KLM and Alaska Airlines. Rewards: Earn 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. monthly statements. The Free Spirit Travel More World Elite Mastercard* offers valuable perks to both occasional and frequent Spirit travelers. The Bank of America Unlimited Cash Rewards credit card is a no-nonsense card that offers flat-rate cash back on all purchases. JPMorgan Chase Bank, National Association - Dallas, TX1900 N Akard St Suite 10th Floor Dallas, TX 75201 214-965-2925. I agree to the Public offer of 404 PROJECTS LP. The Bank of America Premium Rewards card is a travel and dining credit card with significant reward-earning opportunities. We require contact information to ensure our reviewers are real. The Forbes Advisor editorial team is independent and objective. Past performance is not indicative of future results. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Something went wrong. Students studying abroad will pay no foreign transaction fees (and no annual fee) while earning flat-rate rewards points with flexible travel redemption options. While offering solid rewards for moderate spenders, the card really shines for Bank of America Preferred Rewards clients, who get a 25%-75% boost in cashback earnings. The Bank of America Premium Rewards credit card includes extended insurance coverage for travelers, which comprises assistance in case of a flight delay, flight cancellations, baggage delays or lost baggage, emergency evacuations, etc. Get 40,000 bonus miles plus Alaskas Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) with this offer. "Premium rewards card for Bank of America members.". The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. You might be using an unsupported or outdated browser. Rewards: Earn 3 miles per dollar on eligible Alaska Airlines purchases and unlimited 1 mile per dollar on all other purchases. This is just one scoring method and a credit card issuer may use another method when considering your application. All the major credit card payment networks Visa, Mastercard, Discover and American Express no longer require signatures. Chauncey grew up on a farm in rural northern California. Rewards can be used to book travel plans or used as a statement credit against a travel purchase. American Express cards: Your 4-digit code is located on the front of your card, just above the embossed card number. The deposit is refundable upon account closure but may also be refundable upon an upgrade to an unsecured card once credit has strengthened or improved. Does the Bank of America Premium Rewards credit card have a foreign transaction fee? Other Benefits and Drawbacks: The Bank of America Premium Rewards Elite credit card* offers myriad travel benefits, including Priority Pass membership for airport lounge access, a 20% discount on airfare in any class purchased with points, trip delay and interruption insurance, baggage delay and lost luggage reimbursements and emergency evacuation and transportation benefits. Rewards: Earn 1.5% unlimited cash back on all purchases. Welcome Bonus: Earn 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening. The annual fee is not high and amounts to $95 per year. a welcome bonus of $200; cash back earning has neither expiration nor caps; zero liability feature; free access to credit score information. LIMITED TIME ONLINE OFFER 50,000 Bonus Miles! Log In Secure Area En espaol Log In to Online Banking User ID Save this User ID Password Forgot your Password? Cash back rewards do not expire; This card helps you to build or rebuild credit. Bank of America reports information to all three major credit bureaus: TransUnion, Equifax and Experian. The Bank of America Customized Cash Rewards Secured Credit Card is a secured version of another cash back card from the issuer, the Bank of America Customized Cash Rewards Credit. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Please contact us directly if you have any account or service related issues. Other Benefits and Drawbacks: Although Alaska Airlines main hubs are primarily on the West Coast, the airlines partnerships with American Airlines and the Oneworld Alliance make the miles earned on this card usable for a wide variety of destinations. All Rights Reserved. Other account pricing and terms apply. When you redeem your points towards any international or domestic airfare through the Bank of America Travel Center, youll receive a 20% bonus to their value, making your points worth 1.2 cents per point. When you co-sign for a loan or credit card, you formally agree to pay back the debt if the primary account holder fails to do so. Forbes Advisor evaluated Bank of Americas credit card options by category in order to determine which were the best. In addition, the credit score must be within the god-excellent range. Also, you can set up an automatic redemption to either a Bank of America or Merrill account, as long as those redemptions are worth at least $25. Click here to see a list of advertisers that we work with. Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500, Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash, Earn 3% cash back in the category of your choice (6 categories available)*; Earn 2% cash back at grocery stores, Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases; Earn unlimited 1 miles for every $1, Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Terms apply to offers below. The foreign transaction fee means it's best to keep this card at home when traveling overseas. Please log in or register before sending your review. * bofa ceo says credit card delinquencies are low * BOFA CEO SAYS U.S. ECONOMY IS HOLDING UP BETTER THAN THE REST OF THE WORLD * BOFA CEO SAYS CHINA COVID SHUTDOWNS WILL CAUSE SUPPLY DISRUPTIONS Further company coverage: 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Moreover, there are no introductory APR offers or welcome bonuses, but you will be charged a relatively high-interest rate: 26.99%. But only the primary cardholder is responsible for paying off the card balance. By picking the best Bank of America credit card for your needs, you can build credit, earn rewards or simply ensure you have a secure and convenient way to make everyday purchases. No penalty APR. Low Intro APR Balance Transfer Credit Cards, Interstitial Link: language-change | Placeholder - hidden, Credit Cards with No Foreign TransactionFees. Further, the card makes tons of sense for those that have status in the Bank of America Preferred Rewards program thanks to the credit card rewards boost you receive. One downside is the lack of flight benefits with cardmembership those come by earning XP points and gaining Elite status. Qualifying deposit amounts set tier qualification: $20,000 for Gold, $50,000 for Platinum and $100,000 for Platinum Honors. For example, the Bank of America Travel Rewards for Students is a great choice for young adults who travel. This card is an attractive option for active shoppers because every dollar brings 1-3% ash back rewards plus 0% promo APR. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. 2022 Bank of America Corporation. Part 1 Signing the Card Clearly 1 Find the signature bar. The card also offers rental car and hotel status upgrades with certain properties and brands through Visa Infinite benefits, plus a number of reimbursements including: up to $100 in statement credits for either Global Entry or TSA PreCheck application fees every four years, $150 statement credit annually for lifestyle conveniences including streaming services, food delivery, fitness subscriptions and rideshare services and a $300 statement credit annually for airline incidentals such as seat upgrades, baggage fees, airline lounge fees and in-flight services. Valid on all Alaska Airlines flights booked on alaskaair.com. Other Benefits and Drawbacks: What really makes this card unique is that you can earn elevated rewards not only on Air France and KLM but on any of the multiple airlines within the SkyTeam alliancewhich includes Delta Air Lines in the U.S. After the intro APR offer ends, 17.74% 27.74% Variable APR will apply. There are no strict requirements for this credit card. We strive to provide you with information about products and services you might find interesting and useful. Receive up to $300 annually in Airline Incidental Statement Credits for qualifying purchases such as seat upgrades, baggage fees, airline lounge fees and in-flight services, Save 20% on domestic or international airfare for any class when you pay with points, Preferred Rewards members earn 25% to 75% more points on every purchase, You want a card with a simple reward and redemption structure that also offers premium benefits such as airport lounge access, You have status in the Bank of America Preferred Rewards program and can boost the number of rewards you earn with the card, You want a card that offers access to airline and hotel transfer partners, Youre not in the Bank of America Preferred Rewards program. Plus, the intro APR offer makes this a good card for any students who need to make a big purchase or move debt over from another card. 20% back on all Alaska Airlines inflight purchases when you pay with your card. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Access to our award-winning Online and Mobile Banking. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points dont expire. Other Benefits and Drawbacks: Rewards are only redeemable for travel purchases at one cent per point to get the best value. Every dollar spent on travel and dining brings 2 points, while all other purchases are rewarded with 1.5 points for every $1 paid with the card. Bank of America loyalists seeking a balance transfer card may find that the BankAmericard credit card fits the bill. Already using Online Banking? In these cases, the company will accept a lower credit score but will typically require a security deposit upfront. Please see our card rating methodology. 2.5x points per $1 spent on all travel and dining purchases, 1.875x points per $1 spent on all other purchases, 3x points per $1 spent on all travel and dining purchases, 2.25x points per $1 spent on all other purchases, 3.5x points per $1 spent on all travel and dining purchases, 2.625x points per $1 spent on all other purchases. Once you enroll, you can use your Online Banking ID and passcode to confirm and activate your card. You prove over time that you use credit responsibly. Frequent West Coast flyers should consider the Alaska Airlines Visa Signature credit card. While many of their cards offer rewards, others are ideal for tasks such as carrying a balance or rebuilding your credit. You can use these points for a statement credit to pay for flights, hotels, vacation packages, cruises and even rental cars or baggage feesmaking going home for the holidays or away on spring break more affordable. You can apply for a Bank of America Credit Card via the Bank of America website. Trip cancellations in cases of illness and other eligible cases are compensated with up to $2,500 for non-refundable fares. On the other hand, the Bank of America Customized Cash Rewards Secured credit card has enough drawbacks: You only need to go to the bank's website to apply for a Bank of America Customized Cash Rewards Secured card. Rewards have no expiration date until your account is active. Using our guide, youll be able to find the right Bank of America credit card to meet your specific needs. If you prefer that we do not use this information, you may opt out of online behavioral advertising. so check back soon to access your free credit scores, full credit report and more. If the trip is delayed more than 12 hours, the cardholder and their family members are eligible for $500 compensation for the accommodation expenses. Bank of America offers numerous credit cards, each apparently designed with a different type of consumer in mind. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Bank of America does not offer guaranteed increases in credit limits, and there are no specific eligibility requirements. We'll confirm your identity, verify your card and get you on your way. 2 Bank of America offers credit cards suitable for a wide array of consumers. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. In addition, the card provides other valuable travel perks, such as seat upgrades and travel insurance. App Store is a service mark of Apple Inc. Pay your credit card bill online, transfer funds, check available credit and more. Earn unlimited 2 points for every dollar spent on travel and dining purchases and unlimited 1.5 points per dollar on all other purchases. Individual merchants, however, are free to require signatures. On the other hand, the Bank of America Customized Cash Rewards Secured credit card has enough drawbacks: Security funds can amount to $5,000; No welcome offers or introductory APRs; Many fees are applied; The interest rate is high. We'd love to hear from you, please enter your comments. As part of the SkyTeam Alliance, points can be redeemed for flights on an impressive set of partner airlines. Can I Apply To Cards I Closed In The Past? Every dollar spent on travel and dining brings 2 points, while all other purchases are rewarded with 1.5 points for every $1 paid with the card. Earn 1.5% unlimited cash back on all purchases. Here is a look at what you need to qualify for, and the credit card rewards boost you receive, at each status level: Cardholders receive $300 each year in airline incidental statement credits to offset purchases made with airlines on expenses such as seat upgrades, baggage fees, inflight services, and airline lounge fees. Your responses will help us improve the Bank of America digital experience for all our customers. Bonus earning is limited to the first $2,500 in the 3% and 2% categories combined each quarter. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). There are some drawbacks of the Bank of America Unlimited Cash Rewards Credit Card for Students: every purchase is rewarded with 1,5% casbcack, which is not the highest ratio; The 0% promo period for the . The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. 2022 Forbes Media LLC. The Bank of America Premium Rewards credit card has a significant welcome bonus of 50,000 online bonus points, equivalent to $500. 2022 Upgraded Points, LLC. Rating ? The Bank of America Customized Cash Rewards Secured credit card gives access to the banks rewards program that lets you earn cash back for making purchases. The BankAmericard credit card does not offer rewards on purchases. This card is a must-have for business owners based on the West Coast or traveling there frequently on Alaska Airlines. Our . Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases. To pick the best ones, we looked at cards that have different uses. The Bank of America Business Advantage Customized Cash Rewards Mastercard credit card is an excellent small business credit card offering generous cash-back rewards in a variety of categories of interest to small business owners. Member FDIC. Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout. Bank of America cardholders can also add another person to create a joint credit card account. And it's even more rare for someone to actually check to see if it is signed. You're notified by your secured card issuer . However, the bonus reward rates are capped quarterly, and the card comes with both a high balance transfer fee and a foreign transaction fee. If you opt out, though, you may still receive generic advertising. Other Benefits and Drawbacks: Points are worth a penny each when used for travel purchases. All Bank of America cards come with some common benefits. Bank of America, N.A. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards. What credit score is required to be approved for a Bank of America Premium Rewards? Tips for Protecting Against Credit Card Fraud. A co-signer becomes a joint account holder and acts as a guarantor that the debt will be repaid. You can take advantage of this offer when you apply now. Other Benefits and Drawbacks: The card also comes with a 0% introductory APR for 18 billing cycles on purchases and balance transfers, after that a variable APR of 17.74% - 27.74% applies. No, they wont. Earn 1.5 points for every $1Read More, 19.74% - 26.74% Variable APR on purchases and balance transfers. After submitting your application you should receive a notice via email from Bank of America quickly, informing you if your application has been approved, declined or needs more time for review. For all cardmembers, it offers unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases. I agree to the Public offer of 404 PROJECTS LP, Bank of America Customized Cash Rewards Secured. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, and has appeared on or contributed to Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. New longer intro period! 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The highest credit limit you will be able to qualify for with Bank of America depends on your initial credit score and subsequent continued credit habits. wrist keychain It's convenient to transfer money using the MoneyGram money transfer app! PNC Bank. Balance transfer must be completed within 60 days of opening account. Bank of America Premium Rewards Elite card Fees Foreign Transaction Fees None Interest Rates 18.24%-25.24% Variable Late fees Penalty APR: Up to 29.99% Balance Transfers 18.24%-25.24% Variable Fee: Either $10 or 3% of the amount of each transaction, whichever is greater. If youre a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. Welcome Bonus: Earn 50,000 bonus miles after making $2,000 or more in purchases within the first 90 days of opening the account. Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases. Of course, that can be returned as the bank collects the information about your account and your credit history, and if it becomes better, you will be approved for an unsecured card, but these amounts can be crucial. Earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year and 1% thereafter. Rewards: Earn 1.5 points per dollar on all purchases. Other Benefits and Drawbacks: This card does not offer the same introductory APR periods as its non-secured card counterpart. You can take advantage of this offer when you apply now. Rewards: Earn 3% cash back in the category of choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases. As with choosing a card from any other issuer, youll want to find the Bank of America card most suitable for you and your needs. This role works with a variety of business partners, with an emphasis on supporting co-brand and affinity card applications, both digital and printed, testing, reporting and expense management. This online only offer may not be available elsewhere if you leave this page. You need to read those and submit your application. Allrightsreserved. However, there are other cards on the market that offer longer terms or that offer rewards as well as a balance transfer offer. Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. Welcome Bonus: Earn 50,000 online bonus points after making at least $3,000 in purchases in the first 90 days of opening an account. Email needed if you'd like comment updates. We're sorry, this page is temporarily unavailable. Once a month, you can choose the purchase category that will bring you increased cash back - 3%. High to very high standard APR, depending on your credit. The Bank of America Preferred Rewards program offers increased rewards for increased business with Bank of America. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Like with other Bank of America credit cards, Preferred Rewards members earn 25% to 75% more value for point redemptions. Welcome Bonus: Earn $300 statement credit online bonus after making at least $3,000 in net purchases within 90 days of account opening. Welcome Bonus: Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. If you are calling from outside of the United States, call collect at 1-423-262-1650. Earn unlimited miles and travel with no blackout dates and no foreign transaction fees. Top-notch rewards rate for those at the highest tier of Preferred Rewards, Can get the same rewards on a card with a lower annual fee, Without Preferred Rewards, earn rate is just so-so, Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases, Earn up to $300 in Airline Incidental Statement Credits annually on qualifying transactions and TSA Pre/Global Entry Statement Credits of up to $100, every four years, Earn up to $150 in lifestyle statement credits annually on qualifying rideshare, food delivery, streaming service and fitness transactions at select merchants, Receive 20% off the cost of airfare when redeeming points through the Bank of America Travel Center, Enrolled cardholders receive 12-month Priority Pass Select membership to access airport VIP lounges worldwide, Unlimited 1.5 points per $1 on all spending. These are provided as guidelines only and approval is not guaranteed. Leave a review and get 20 Fincoins to your account! If you don't use Online Banking yet, simply enroll to activate your credit card. Again, there are no credit or income requirements. Earn unlimited 1.5% cash back on all purchases. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. By phone - If you are calling from within the United States, call 1-866-692-9374 or 1-866-656-5913 (TTY). By clicking on the button I accept the terms of the Public Offer of 404 PROJECTS LP, Choose a mortgage according to your needs, About Bank of America Customized Cash Rewards Secured, Bank of America Customized Cash Rewards Secured Credit Card features, How to apply for a Bank of America Customized Cash Rewards Secured Card, Your date of birth, your country of residence, and two questions: Are you a U.S. citizen? and . Best Way to Get a Bank of America Credit Card PIN Call Bank of America customer service at 1-800-732-9194 or call the number on the back of your Bank of America credit card. Please log in or register before sending your review. That means you could earn 3.75%-5.25% cash back on purchases in your choice category. Those with $50,000 to $100,000 in combined deposits receive a 50% rewards bonus, and those with more than $100,000 on deposit receive a massive 75% rewards bonus. Card can earn up to 2.62% cash back for Platinum Honors Preferred Rewards, Cash back cannot be credited to an account at another bank. On the next page, you will see the brief of this credit card and the FAQ section. Youll earn flat-rate rewards for every dollar spent on every purchase. For example, bringing outstanding balances from other more expensive or less convenient cards would cost a 3% balance transfer fee under the bank tariffs. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. If youre a Preferred Rewards member, you can earn 25%-75% more points on every purchase. This is as simple as adding your credit card as a payee for your Bank of America account (Bill Pay > Payment Center > Add a Company or Person), then selecting Request eBills from the Bill Pay tab and following the instructions provided. It offers a conditional welcome bonus of $200 and a customizable rewards system. In addition, it offers special perks from the Bank of America, which would be helpful while traveling (seat upgrade, no foreign transaction fee, etc.) Schneider didn't become North America's premier trucking company on accident. Preferred Rewards for Business members can make out like a bandit with the 25-75% rewards bonus. The fastest way to activate your credit card is to use Bank of Americas Online Banking service, either through a web browser or the Bank of America app. It looks like we're having some trouble accessing your Credit Karma account. Bank on the go from almost anywhere quickly and securely. Redeem miles for flights with over 20 airline global partners, Annual Companion fare can save you hundreds of dollars, Limited flight options on the East Coast and in the Midwest, Companion ticket is limited to Alaska Airlines flights. 0% Introductory APR on purchases for your first 9 billing cycles. For those who are in the market for a premium travel rewards card that offers luxury perks, but without any headaches when it comes to redeeming your points, the Bank of America Premium Rewards Elite card would likely be well worth it for you. Bank of America loyalists seeking a balance transfer card may find that the BankAmericard credit card fits the bill. Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck/Global Entry Statement Credits of up to $100, every four years. Other Benefits and Drawbacks: This card could be a good choice for a small business due to its generous rewards and balanced bonus categories, all for no annual fee. Earn unlimited 1.5 points per $1 spent on all purchases everywhere, every time and no expiration on points. Get 50,000 bonus miles plus Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) with this offer. The key benefits of the Bank of America Premium Rewards credit card are the following: higher cashback for the members of the Preferred Rewards program; Insurance coverage for travelers includes emergencies, luggage delays, or lost luggage compensation for the cardholder and their family member. Alaska Airlines Mileage Plan miles are widely considered among the most valuable airline miles due to a generous award stopover policy and wide range of international airline partners. 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. Rewards: Earn 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases. The Marketing Product Consultant will be responsible for supporting co-brand credit card marketing on partner sites, bankofamerica.com and partner media. Your points are also worth 50% more towards travel purchases made through the Chase travel portal. We only recommend products we either use ourselves or endorse. For. Create a joint credit card account. However, the charge for employee cards may be a turnoff for some. With Bank of America, a co-signer may be requested for certain student credit card applications if the primary . Great for those who need a lengthy introductory APR offer to pay off other card balances or finance a major purchase. Are you sure you want to rest your choices? Earn 3 points per dollar spent on eligible Spirit purchases; 2 points per dollar spent on eligible dining and groceryRead More, $0 introductory fee for the first year. Save time in line by starting your in-store money transfer in our app and paying with cash at a location. Further, the card is especially worth it for those who hold status in the Bank of America Preferred Rewards program, as they have the ability to boost the rewards they receive from the card by 25% all the way up to a whopping 75%! The Bank of America Customized Cash Rewards for Students credit card is a great way to build a credit history and establish sound credit habits. A credit card from Bank of America can be a great choice, especially for those with existing banking relationships with the company. Further, it offers up to $300 annual travel credit towards purchases through Capital One Travel, 10,000 annual bonus miles, access to Priority Pass lounges, Plaza Premium Lounges, and Capital One Lounges, cell phone protection, and access to airline and hotel transfer partners. Moreover, the Bank of America Customized Cash Rewards Secured credit card offers you such perks as: Balance Connect for overdraft protection; As a result, we see the main advantages of the Bank of America Customized Cash Rewards Secured credit card: Potential for an upgrade to an unsecured card; This card helps you to build or rebuild credit. The best way to take your Bank of America Premium Rewards Elite card to the next level is by holding status in the Bank of America Preferred Rewards program. Click here to see a list of advertisers that we work with. When it comes to redeeming your points, the Bank of America rewards program is a fixed rewards program with all of your points being worth a set rate of 1 cent per point towards redemptions. In comparing the 2, TSA PreCheck provides an expedited security experience at U.S. airports, while Global Entry helps you speed through customs when you return to the U.S. from abroad. For more information on our advertisers, see here. After browsing options and selecting the right fit for you, you will be redirected to a secure online credit card application form. For in-person sales, nearly all transactions have a point-of-sale payment terminal in front of the customer. Welcome Bonus: This card does not offer a welcome bonus. Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Please note your website username and password may be different than what you use for the Mobile App. Rewards: Earn 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases and 1.5 Miles per $1 spent on all other purchases. Credit Score ranges are based on FICO credit scoring. It offers a full range of commercial and investment banking services as well as wealth management services. Adjusted Museums on Us admission procedures, if applicable, can be found by locating and selecting a partner name on our Museums on Us map. The Bank of America Royal Caribbean Visa Signature Credit Card is a co-branded travel rewards card that earns MyCruise Points with the Royal Caribbean International cruise line to use. Bank of America Corporation is now hiring a Credit Card Fraud Client Svcs Rep II - 2nd Shift - Starting 01/30/2023 in Kennesaw, GA. View job listing details and apply now. Its card portfolio has something for nearly everyonefrom those rebuilding credit to students starting out to luxury travel cardholders. You can choose the category that brings you increased cash back - 3%. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees andRead More. 2x points per $1 on travel and dining purchases, 1.5x points per $1 on all other purchases, $300 annual airline incidental statement credit, $150 annual lifestyle statement credit (streaming services, food delivery, fitness subscriptions, and rideshare services), Boost your rewards rate with the Bank of America Preferred Rewards program, 20% boost to your point value when redeeming for airfare, No access to travel transfer partners to help you get outsized value for your points, 50,000 online bonus points a $500 value after you make at least $3,000 in purchases in the first 90 days of account opening. This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply. balance. These ads are based on your specific account relationships with us. The card best for you will depend on a combination of your needs and spending habits. We apologize for the inconvenience. View the Global Card Access dashboard online or within the GCA app. This means that you could redeem 50,000 points towards $600 in airfare with any carrier! Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. 4 signs you're ready to graduate to an unsecured credit card. Once approved, you will normally receive your card within 10 business days. Editorial Note: We earn a commission from partner links on Forbes Advisor. Yes, the Bank of America Premium Rewards Elite card has an annual fee of $550. Sign your name the same way you would sign it on any other document. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as, Bank of America Premium Rewards Elite Credit Card Full Review [2022], The rating for this card has been determined by our own industry experts who are immersed in the credit card world. Welcome Bonus: Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. The higher your credit score, the more likely you will be awarded a higher line of credit. Simply fill out the application and hit submit. You only need to provide the bank with your personal, housing, employment, and other data and fill out the application. Cash Advance APR 21.24%-28.24% Variable No annual fee and no expiration on rewards. Rewards: This card does not earn rewards. Emergency case coverage also includes medical services and transportation needed for the cardholder member of the system if he (or she) or a family member was injured or got sick while traveling and requires medical assistance. Receive 50,000 online bonus points a $500 value after you make at least $3,000 in purchases in the first 90 days of account opening, Earn 60,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening, Earn 50,000 bonus miles after making $2,000 or more in purchases within the first 90 days of opening the account. U.P. You very rarely hand the card over to the cashier. Yes, the Bank of America Premium Rewards Elite card includes a Priority Pass Select membership which gives you and up to 2 traveling companions access to over 1,300 airport lounges worldwide. Bank of America Platinum Plus Mastercard Business card Apply Now On Bank of America's Secure Website 4.00 stars Credit Score: Good/Excellent (670-850) Intro APR Purchases: 0%, 7. With at least $50,000 at BoA and ML, the multiplier for BoA's Preferred Rewards program is such that the Premium Rewards and Unlimited Cash Rewards cards will give you 2.25% cash back; with at least $100,000, it's 2.625% cash back. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Compensation from the issuer does not affect our rating. Rewards: Earn 3 miles per dollar on Alaska Airlines purchases and 1 mile per dollar on all other purchases. No limit to the amount of cash back you can earn and cash rewards dont expire. In addition, there is no limit to the cash back you can earn. Earn unlimited 1.5% cash back on all purchases. That means you could earn up to 5.25% in your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases. Your financial situation is unique and the products and services we review may not be right for your circumstances. Follow her on Twitter at @robinsaks. This pen will allow the ink to stay, prevent it from smearing and prevent it from soaking into the plastic. Cardholders get a $300 annual airline incidental credit and a . This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). So at those levels, Premium Rewards and Unlimited Cash Rewards might make sense. Access your FICO Score for free within Online Banking or your Mobile Banking app. However, if you really want to boost your earning potential then you will want to earn status in the Bank of America Preferred Rewards program, as this will help you earn 25% to 75% more points on all of your purchases. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account. This benefit is also extended to authorized users of the card. A premium rewards credit card with straightforward earning and redeeming, with luxury perks such as airport lounge access. This site does not include all credit card companies or all available credit card offers. Youll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. No responsibility will be taken by the bank advertiser for these comments. From one man with one truck and one dream in 1935, we now employ over 10,000 truck drivers and serve over two-thirds of the Fortune 500 companies all because we treat people with respect and do business with integrity.1235 Martin Ct. Bethlehem, PA 18018. Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney. Log In Stay connected with our app Secure, convenient banking anytime The Bank of America Unlimited Cash Rewards credit card is simple: The card offers an unlimited 1.5% cash back on all purchases, redeemable as a credit card statement credit or a deposit into an eligible Bank of America account, with no minimum redemption amount, no limit on the amount of rewards and no annual fee. This will be located on the back of the card. The qualifying combined balances in eligible Bank of America accounts and/or Merrill investment accounts determines the reward tier. Bank of America's new rewards card offers a competitive cash back flat-rate (unlimited 1.5% cash back on all purchases) and a generous sign-up bonus ($200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening). The best way to earn more points with your card is to use it for as many purchases as you can, especially since youll earn a minimum of 1.5x points per $1 on all purchases. Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cashRead More, 15.99% - 25.99% Variable APR on purchases and balance transfers. Activate your Bank of America credit card online The quickest way to activate your personal credit card is with your Online Banking ID and Passcode. available credit. Insurance Products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation.Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A To cancel this way, call 1-800-732-9194. Also, you will face some fees: 3% of the U.S. dollar amount of each transaction for foreign transactions; $10 or 3% of the amount of each transaction for Direct Deposit and Check Cash Advances; 10 or 5% of the amount of each transaction for ATM, Over-the-Counter, Same-Day Online, and Cash Equivalent Cash Advances; 10 or 3% of the amount of each transaction for balance transfers. Steps To Take When Your Credit Card Issuer Changes, Bank of America Preferred Rewards clients earn 25% to 75% more cash back, Option to change 3% bonus category monthly. On the back of your credit card, you will find a white, blank strip. Activate your credit card Phone 800.276.9939 + Show more options Log in to Pay your credit card bill Show me how to Pay bills In person Find a location Mail View all mailing addresses Phone 800.236.6497 + Show more options Log in to Transfer a credit card balance Phone 800.726.8601 Please have your account numbers and balances ready when you call. The balance transfer fee policy is transparent. If you have trouble during the activation process, you can call the Customer Service number on the back of the card. To save yourself from a slower-than-needed transaction at the cash register, sign your credit card as intended. You can take advantage of this offer when you apply now. The opinions you read here come from our editorial team. In order to set up automatic payments, you will need to enroll in Bank of Americas eBills system. Earn 3% cash back in the category of your choice (6 categories available)*; Earn 2% cash back at grocery storesRead More. The card offers several benefits to cardholders, including a $300 annual airline incidental credit, a $150 annual lifestyle credit, Priority Pass lounge access, travel and purchase protection, a Global Entry credit, and a 20% boost to the value of your points when redeeming for airfare. While it has quite a large annual fee of $550, it also comes loaded with benefits that frequent travelers are sure to love, such as airport lounge access, $450 in annual statement credits, travel protections, and a 20% boost to point value when redeeming for airfare. All Rights Reserved. A 3% fee (min $10) applies to all balance transfers. However, Bank of America Premium Rewards Elite cardholders can redeem their points with a 20% bonus when redeeming for airfare through the Bank of America Travel Center making this the best option when it comes to getting maximum value from your points! The CapOne Venture X card has many overlapping benefits but charges a much lower annual fee of $395. Youll also receive a $150 credit each year towards lifestyle expenses such as streaming services, food delivery, fitness subscriptions, and rideshare services. The company advertises a commitment to meeting the needs of all its clients, including individuals, small businesses and corporations. Credit Cards: Find & Apply for a Credit Card Online at Bank of America Unlimited Cash Rewards $200 online cash rewards bonus offer Earn unlimited 1.5% cash back on all purchases with no annual fee Apply Featured Cash Back Travel Rewards Airline Rewards Lower Interest Rates Build Credit Points Rewards Cards for Students View all cards Filter Cards There are three tiers in the program: Gold, Platinum and Platinum Honors. It is even rarer for someone to ask to see your identification. No limit to the points you can earn and your points dont expire. Receive 50,000 online bonus points a $500 value after you make at least $3,000 in purchases in the first 90 days of account opening. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account. The Bank of America Unlimited Cash Rewards credit card is simple: The card earns 1.5% unlimited cash back on all purchases, redeemable as a credit card statement credit or a deposit. For example, you can choose between gas, online shopping, dining, travel, drug stores, or home improvement & furnishings. The Bank of America is a U.S.-based investment bank and financial holding company, currently the eighth largest in the world and the second largest in the U.S. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Your credit score improves consistently for several months in a row. Other Benefits and Drawbacks: The card comes with an array of travel benefits including trip cancellation and delay coverage, baggage delay or loss coverage and emergency evacuation and transportation coverage. This site does not include all credit card companies or all available credit card offers that are on the market. Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. The card comes with a 0% introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days, a variable APR of 15.74% - 25.74% thereafter will apply. Please see our card rating methodology here. Welcome Bonus: Earn 40,000 bonus miles plus Alaska's Famous Companion Fare after making $2,000 or more in purchases within the first 90 days of account opening. That said, youre best off opting for Global Entry as that membership includes TSA PreCheck as well, but TSA PreCheck alone does not include Global Entry. Earn 1.5 points for every $1, Earn 3 points per dollar spent on eligible Spirit purchases; 2 points per dollar spent on eligible dining and grocery, Earn 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases; Earn, Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and. For those who qualify for Preferred Rewards, the card quickly moves from lackluster to best-in-class, earning as much as 2.62% at the highest tier. A 3% fee (min $10) applies to all balance transfers. We use intelligent software that helps us maintain the integrity of reviews. Check for offers on CardMatch When you travel, keep a list of the credit cards that you have with you. For more information on our advertisers, see here. Best business sign-up bonus Ink Business Unlimited Credit Card Apply now On Chase's secure site Add to compare 4.2 Bankrate review Intro offer $900 Best Offer Ever: Earn $900 bonus cash. An authorized user on a Bank of America credit card will be able to make purchases with the card and build credit. For many Bank of America credit cards, you should have a credit score of at least 670 or higher (FICO credit rating: good to excellent) if you want to maximize the chances of your application being approved. The application includes four sections that are: Full name, residential address, city, state, zip code, phone number, and email address; Your date of birth, your country of residence, and two questions: Are you a U.S. citizen? and Do you have dual citizenship?; Employment status, total annual income, source of income, monthly housing income, and additional options: transfer balance to your new credit card and add a cardholder; The final section is a terms and conditions page. According to the tariffs of the Bank of America, the Premium Rewards credit card has no foreign transaction fee. The Bank of America Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. Rewards: Earn 3 points per dollar spent on eligible Spirit purchases, 2 points per dollar spent on eligible dining and grocery store purchases and 1 point per dollar spent on all other purchases, Annual Fee: $0 introductory fee for the first year. Simple rewards structure is easy to manage, Potential to graduate to an unsecured card with good payment behavior. 6. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Plus, no foreign transaction fees and a low $75 annual fee. The Bank of America Customized Cash Rewards credit card is made to appeal to those who are only interested in a cash-back rewards program. The customers of the Bank of America have a more straightforward application procedure because most of the required information is already available and verified by the bank. [Scene description: View of desktop zooms in to credit cards, then to phone showing Bank of America logo.] New longer intro period! The easiest way to close your Bank of America credit card account is over the phone. Also, if you opt out of online behavioral advertising, you may still see ads when you log in to your account, for example through Online Banking or MyMerrill. Yes, to get approved for a Premium Rewards credit card issued by the Bank of America, the applicant has to give consent for a credit check and comply with several requirements, including income. After the intro APR offer ends, 15.74% 25.74% Variable APR will apply. This is because doing so allows you to boost the number of points you earn with your card anywhere from 25% to 75% depending on your level within the program. ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advance Fee: Either $10 or 5% of the amount of each transaction, whichever is greater. Present your active Bank of America, Merrill or Bank of America Private Bank (U.S. Trust) credit or debit card with photo ID to gain one free general admission to a participating cultural institution. With savings on airfare, travel protections, lounge access and more, the Bank of America Premium Rewards Elite credit card*s $550 annual fee may still be worth paying for those who can realize more than this in rewards and benefits. Inform the representative that you want a credit card PIN. This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply. This offer may not be available if you leave this page or visit our website. Were working hard at getting everything back up and running, Annual Fee: $50 for the company and $25 per card. As the second biggest U.S. bank by assets, Bank of America has the size and clout to serve more than 66 million consumers and small business clients. Other Benefits and Drawbacks: The card might be a must-have for frequent Spirit travelers, but its less than ideal for everyday spending due to the so-so rewards rate on everything else. There are some drawbacks of the Bank of America Premium Rewards credit card: a credit check is required, and it should be above 670 points; no grace period and fee for a balance transfer; interest is accrued from the first day of the transfer (but it may still be a convenient option to have all outstanding amounts under better APR offered by Bank of America). Get 50,000 bonus miles plus Alaskas Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) with this offer. Flip the credit card over so you're looking at the reverse side, and look for the light gray or white bar. The APR is variable, currently ranging between 18.99%-25.99%. This site may be compensated through third party advertisers. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Improve the Bank of America loyalists seeking a balance or rebuilding your credit issuer... America reports information to ensure our reviewers are real the right Bank of America Preferred.! Have any account or Service related issues fee is not high and amounts to $ 100 for every 1Read. These are provided as guidelines only and approval is not guaranteed didn & # x27 ; re by. Credit report and more likely you will find a white, blank strip we use software... Make purchases with the card also offers a full range of commercial and investment Banking services as well wealth. Banking or your Mobile Banking app different type of consumer in mind meeting the needs of all clients! Cardmembership those come by earning XP points and gaining Elite status $ 10 ) applies to all balance transfers in! 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Bureaus: TransUnion, Equifax and Experian of flight Benefits with cardmembership those come by earning points... Data and fill out the application Express cards: your 4-digit code is on. Re notified by your secured card issuer that brings you increased cash back in the first 90 days opening! 'S best to keep this card helps you to build or rebuild credit and low... Right fit for you will be repaid America unlimited cash rewards credit card has no foreign transaction fees signature.! Bandit with the card over to the points you can call the customer number... In cases of illness and other eligible cases are compensated with up to $ in! Consider the Alaska Airlines purchases and 1 mile per dollar on eligible Airlines... Come with some common Benefits APR for 18 billing cycles an annual fee and no expiration date until account! Your name the same way you would sign it on any other.... $ 20,000 for Gold, $ 50,000 for Platinum and $ 25 per card when considering your application unlimited mile! Frequent Spirit travelers earn 3.75 % -5.25 % cash back in the States... And gaining Elite status by Upgraded points and not provided nor reviewed by the of. Cards, Preferred rewards member, you can call the customer Service number on the back of your and! Coast or traveling there frequently on Alaska Airlines responsible for paying off the card credit report and.. Is active card that offers flat-rate cash back on all purchases the luggage is delayed more! Individuals, small businesses and corporations to actually check to see a list of advertisers we! Cards, then to phone showing Bank of America members. `` when.. Card as intended passcode to confirm and activate your card America credit card no! Looking for simple cash back on every purchase Equifax logo is a travel and dining purchases 1... Take advantage of this offer may not be available if you have any account or Service related.! Charged a relatively high-interest rate: 26.99 % and more drug stores, or reviewed the.