Bank of America · Visa · personal · Bank of America Points
Review the linked sources below for offer details and eligibility.
Earning
| Travel (general)
Issuer: 'travel and dining purchases'
|
2x | 2% |
| Dining & restaurants
Issuer: 'travel and dining purchases'
|
2x | 2% |
| Everything else | 1.5x | 1.5% |
Right column: value per $ at travel valuation (1¢/pt). 1¢ toward travel/dining statement credits (Travel Rewards) or cash (Premium Rewards).
Credits
- $300 Airline incidental credits /year · medium to useUp to $300 per calendar year in statement credits for qualifying airline incidental charges: seat upgrades, baggage fees, in-flight services, airline lounge fees. Posts automatically; airfare itself does not qualify.
- $150 Lifestyle credits /year · easy to useUp to $150 per calendar year for video streaming, food delivery, fitness subscriptions and rideshare services (posts automatically 2-3 weeks after a qualifying charge; DoC reports Netflix, Hulu, HBO Max, DoorDash, Uber, Lyft, Planet Fitness work; Spotify, Audible, Instacart did not).
- $120 Global Entry / TSA PreCheck /every 4 years · easy to useUp to $120 statement credit for a Global Entry or TSA PreCheck application fee every 4 years (issuer advertises 'up to $570 in combined Airline Incidental, TSA PreCheck/Global Entry, and Lifestyle Statement Credits' = $300 + $150 + $120).
Benefits
- No foreign transaction fees
- Priority Pass Select — cardholder plus up to 2 guests per visit; membership also extended to authorized users (up to 3 additional memberships)
- 20% off airfare when paying with points through BofA Travel Center (~1.2 cents/point)
- BofA Rewards (formerly Preferred Rewards) bonus: +10% Member / +25% Preferred Plus ($30k) / +50% Preferred Honors ($100k) / +75% Premier ($1M) — set your tier in Settings — Tiers restructured 2026-05-27; the top 75% boost now requires $1M in combined BofA/Merrill balances.
- Visa Infinite Concierge
- Visa Infinite Luxury Hotel Collection and NetJets private-flying access
Protections
| purchase protection | 90 days, up to $10,000 per claim / $50,000 per cardholder |
| extended warranty | Doubles the manufacturer's warranty, up to 1 additional year |
| return protection | Up to $300 per item, $1,000 per year |
| trip cancellation | Up to $2,500 |
| trip delay | Up to $500 per ticket |
| baggage delay | Up to $100/day, max 5 days |
| lost luggage | Up to $3,000 |
| rental car | primary |
| travel accident | Up to $1,000,000 |
Notes
BofA Rewards / Preferred Rewards tiers were restructured effective 2026-05-27 (Member +10%, Preferred Plus $30k +25%, Preferred Honors $100k +50%, Premier $1M +75%); with Premier the card earns 3.5x travel/dining and 2.625x elsewhere. Set your tier in Settings. Credits total $570 per the issuer ($300 airline incidental + $150 lifestyle per calendar year, $120 Global Entry/TSA PreCheck every 4 years). Web-verified 2026-09-08 against https://www.bankofamerica.com/credit-cards/ (issuer hub; product page /credit-cards/products/premium-rewards-elite-credit-card/ was returning 'temporarily unavailable') and https://info.bankofamerica.com/en/rewards/bofa-rewards (tiers), plus Upgraded Points review (2026-08-18) and Doctor of Credit (2026-05-11).
Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6