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We are currently updating our systems to bring enhanced features to the online rewards experience. As a result, this website is temporarily unavailable. Rewards redemption will not be accessible until late afternoon on May 20. Thank you for your patience.

En este momento, estamos actualizando nuestros sistemas para incorporar características mejoradas a la experiencia de recompensas en línea. Como resultado, este sitio web se encuentra temporalmente fuera de servicio. El canje de recompensas no estará disponible hasta las últimas horas de la tarde el 20 de mayo. Gracias por su paciencia.

Important Notice

We are in the process of converting your BankAmericard Privileges ® with Travel Rewards credit card to a BankAmericard Travel Rewards ® credit card. As a result, you will not be able to access the rewards site at this time. Thank you for your patience.

Your BankAmericard Privileges ® with Travel Rewards credit card has recently been converted to a BankAmericard Travel Rewards ® credit card. Please visit bankofamerica.com to access your new rewards site and find out what your new credit card program has to offer.

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Credit cards > Reviews

Bank of America Travel Rewards credit card review: A travel credit card for the fee-averse

Robin Saks Frankel

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Maddie Panzer

Published 6:00 a.m. UTC June 6, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The Bank of America® Travel Rewards credit card * The information for the Bank of America® Travel Rewards credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a simple approach to rewards, with a base rate of 1.5 points per $1 on purchases — and the chance to earn up to an impressive flat rate of 2.62 points per dollar on purchases for being a Bank of America Preferred Rewards® member. 

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 50+ cards analyzed.
• 8 data points considered.
• 5-step fact-checking process.

Bank of America Travel Rewards credit card basics

• Annual fee: $0.
• Welcome bonus: 25,000 points after spending $1,000 on purchases in the first 90 days of account opening.
• Rewards: Earn 1.5 points per $1 on purchases, with the chance to earn 25% to 75% bonus points as a Bank of America Preferred Rewards customer. Also, earn an additional 1.5 points per dollar on Bank of America Travel Center purchases.
• APR: 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, followed by a 19.24% to 29.24% variable APR. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers.
• Preapproval tool: Yes.
• Recommended credit score: Good to excellent.

Bank of America Travel Rewards review

The Bank of America Travel Rewards credit card is a mainstay among no-annual-fee travel credit cards . This card offers a flat 1.5 points per $1 on purchases, but if you’re a loyal Bank of America or Merrill customer, you may be able to earn as much as 2.62 points per dollar on purchases. You’ll also earn more rewards when you use your card to book travel through the Bank of America Travel Center.

With no annual fee , the card doesn’t offer much in the way of travel benefits. But its welcome bonus is solid, giving you 25,000 points after spending $1,000 on purchases in the first 90 days of account opening. And if you need an introductory APR promotion, this card offers a lengthy one, 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, followed by a 19.24% to 29.24% variable APR. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers.

The card can be a great introduction to travel rewards for someone who prefers to avoid an annual fee, and it can also be a great way for certain Bank of America or Merrill customers to maximize their rewards on every purchase. But if you’re serious about travel rewards and perks, a different card may be a better fit, even if it charges an annual fee. 

• Intro APR offer: The card’s intro offer is helpful for anyone wanting extra time to pay off a big purchase or looking to tackle some debt.
• Relationship bonus: Those who are already banking with Bank of America or Merrill can earn higher rewards based on their relationship tier via the bank’s Preferred Rewards program.
• Simple travel rewards: Navigating travel rewards can be complicated with some credit card programs. The flat-rate rewards on this card are relatively simple to earn and use.
• No notable travel benefits: If you want added benefits when you travel, such as robust travel protections, airport lounge access or reimbursement for the Global Entry application fee, you may be disappointed with this card.
• No everyday bonus categories: You can earn extra points when you book travel through Bank of America, but the card doesn’t offer any other bonus categories. 
• Steep price to maximize rewards: To earn the highest rewards rate possible, you’ll need a three-month combined average daily balance of at least $100,000 in eligible Bank of America deposit accounts or Merrill investment accounts. 

Bank of America Travel Rewards credit card rewards

The card offers a flat base rate of 1.5 points per $1 on purchases. However, if you use your card to book travel through the Bank of America Travel Center, you’ll earn 3 points per $1 on those purchases — an extra 1.5 points per $1 on top of the base rewards rate.

Additionally, the card earns 25%, 50% or 75% more points per purchase if you’re eligible for the Bank of America Preferred Rewards program. To join, you must have a three-month combined average daily balance of at least $20,000 in eligible Bank of America deposit accounts or Merrill investment accounts. 

Depending on which Preferred Rewards tier you qualify for, you can earn between 1.87 to 2.62 points per dollar on most of your purchases with this card. Note, however, that this bonus doesn’t apply to the card’s welcome offer.

The welcome offer provides 25,000 points after spending $1,000 on purchases in the first 90 days of account opening. 

To redeem your rewards, simply use your card to pay for eligible travel or dining purchases, then request a statement credit with your points within 12 months of the transaction date. You can also redeem points for cash or gift cards, but you’ll only get 0.6 cents per point with cash redemptions — and gift card redemption values can vary. As a result, it’s best to stick to travel and dining statement credits.

Bank of America Travel Rewards credit card rewards potential

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has $29,525 in expenses they are likely to be able to charge to a credit card.

If you’re earning the base rate of 1.5 points per $1 on purchases, you could earn $442.88 worth of points every year. If you’re a Bank of America Preferred Rewards customer, though, you could earn up to $773.56 in value.

Bank of America Travel Rewards credit card APR details

As a new cardholder, you’ll get a 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, followed by a 19.24% to 29.24% variable APR. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers. That’s a rare benefit among travel credit cards, so it’s even more impressive that it’s also a relatively lengthy intro APR period.

Bank of America Travel Rewards credit card vs. Discover it® Miles

If you’re a big spender, you could benefit from a big bonus offer from the Discover it Miles . The card offers 1.5 miles per $1 on purchases, and Discover will automatically match all miles earned at the end of the first cardmember year, with no limit to how many miles you can earn. 

You can redeem miles as a statement credit for travel purchases made up to 180 days after they post, for cash back to a bank account or you can use them to shop online at Amazon.com and through PayPal. 

The card also has no annual fee and no foreign transaction fee, but keep in mind that if you plan to travel abroad, Discover is not widely accepted internationally.

Bank of America Travel Rewards credit card vs. Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

For a modest $95 annual fee, the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers substantial rewards value. As a new cardholder, you’ll earn a $250 one-time Capital One Travel credit, plus 75,000 miles after spending $4,000 on purchases within the first three months of account opening. You’ll also earn 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases. 

You can redeem miles as statement credits for past travel purchases, use them to pay for Capital One Travel bookings or transfer them to airline or hotel loyalty programs.

In terms of perks, you’ll get an application fee credit toward Global Entry or TSA PreCheck (up to $100), two complimentary annual visits to Capital One Lounges or Plaza Premium Lounges, Hertz Five Star status¹, bonus miles on Turo car rentals and more. 

Bank of America Travel Rewards credit card vs. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred offers 60,000 points after spending $4,000 on purchases in the first three months of account opening. You’ll also earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. 

Points are typically worth 1 cent each (though the value may vary for certain redemptions). Redemption options include cash back, statement credits, gift cards, Apple purchases and online shopping. You can also use them to book travel through Chase Travel℠ and receive 25% more value per point, or transfer your points at a 1:1 rate to airline and hotel loyalty programs. 

The card also offers a $50 annual statement credit for hotel stays booked through Chase Travel, as well as partner benefits with Lyft, Instacart, DoorDash and Peloton. There’s a $95 annual fee.

Finally, the Sapphire Preferred provides a robust lineup of travel benefits, including trip cancellation and interruption insurance, trip delay reimbursement, baggage delay reimbursement and primary rental car insurance .

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership® Rewards and Citi ThankYou®.

Card details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Should you get the Bank of America Travel Rewards credit card?

If you’re a Bank of America Preferred Rewards member, the Travel Rewards credit card can be a great way to rack up a lot of points on your everyday purchases, especially if you can qualify for the maximum 75% points bonus — which brings the earning rate up to 2.62 points per dollar spent on purchases. 

That said, it may also be worth considering another travel card with added perks for when you travel, since this one’s benefits are slim compared to popular travel cards such as the Chase Sapphire Preferred.

If you’re not a Preferred Rewards customer, the Bank of America travel card may still be a good fit if you want to earn travel rewards but don’t want to deal with an annual fee. However, it should be mentioned there are many travel credit cards that charge an annual fee but offer enough value in perks alone to make up for the cost every year. Shop around and compare several options to determine which one offers the best value for you based on your travel and spending habits.

Methodology

Our credit cards team has spent hours analyzing hundreds of travel credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. We factored the following into our analysis:

• Annual fees.
• Travel reward rates.
• Value of rewards.
• Redemption options.
• Additional benefits that a card may offer for travelers, such as travel insurance.

Frequently asked questions (FAQs)

The Bank of America Travel Rewards card doesn’t publicize a minimum credit score. In part, this may be because Bank of America considers many factors when reviewing your card application, including your credit scores, credit history, other accounts at Bank of America, income and monthly bills.

However, a higher credit score may increase your chances of getting approved and receiving a low rate. As a rule of thumb, you might want to have at least a good FICO Score (670 or higher) when you apply. Additionally, you can use the Bank of America preapproval tool to see if you’ll likely get approved.

You can redeem Bank of America Travel Rewards points by using your card to pay for travel and dining purchases. You then have up to 12 months to use your points to offset the purchase at a rate of 1 cent per point, and you can offset part of the transaction if you don’t have enough points.

The minimum redemption requirement is 2,500 points ($25), which you can meet by making several small redemptions at the same time. You can also redeem points for gift cards or cash, but you may receive a lower value for each point.

Bank of America travel rewards points do not expire while your account is open and has charging privileges. If you lose charging privileges, perhaps because you missed a payment and your account isn’t in good standing, you won’t be able to redeem your points. However, you can redeem them once your charging privileges are restored.

You might forfeit unredeemed points if you close your account or Bank of America closes your account for any reason. Bank of America can give you an extension to use the points when your account is closed, but it’s not guaranteed.

The Bank of America Travel Rewards credit card might be worth it if you want a card that doesn’t have an annual fee and offers 1.5 points per $1 on purchases you spend. However, it works like a cash-back card because you use your rewards to offset previous travel and dining purchases. With this in mind, also consider cash-back cards that don’t have annual fees. They may offer an equal or higher rewards rate on every purchase with fewer redemption restrictions.

The Bank of America Travel Rewards card does not offer travel insurance as a cardholder benefit.

For Capital One products listed on this page, some of the above benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

¹ Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

*The information for the Bank of America® Travel Rewards credit card and Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ben Luthi is a freelance writer who covers all things personal finance and travel. His work has appeared in dozens of online publications. Ben lives in Salt Lake City with his two children and two cats.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Maddie Panzer is the Updates Editor on the USA TODAY Blueprint team. Prior to joining the team, she studied journalism at the University of Florida. During her studies, she worked as a reporter for the New York Post, WUFT News and News 4 Jacksonville. She was also editor-in-chief of her school’s magazine, Orange and Blue. Maddie holds a B.S. in Journalism.

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Benefits of the Bank of America Travel Rewards Card

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

For frugal travelers, the Bank of America® Travel Rewards credit card is a perfect choice.

It charges an annual fee of $0 and features flexible, easy-to-redeem rewards.

Here’s what to know about its benefits.

» MORE: Complete card details for the Bank of America® Travel Rewards credit card

No annual fee

Right away, the Bank of America® Travel Rewards credit card 's annual fee of $0 sets it apart from other travel credit cards and makes it an excellent pick for budget-minded travelers. Even if you don’t spend much on this card, you’ll come out ahead in rewards as long as you don't carry a balance from month to month.

» MORE: NerdWallet's best no annual fee travel credit cards

Versatile rewards

Earning and redeeming points is simple on this card. You earn a flat 1.5 points per dollar spent on all purchases. Points can be redeemed as a statement credit toward a broad range of travel expenses , such as airline tickets, hotel stays, amusement park entry fees, RV rentals and more. General travel cards from other issuers tend to have narrower definitions of "travel," often leaving cardholders with fewer options when redeeming rewards. You can also redeem points for restaurant purchases.

Redemptions start at just 2,500 points, so you don’t have to make a big purchase to cash in rewards. Points are worth 1 cent apiece when redeemed for travel.

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Sign-up bonus

Like any good travel credit card, the Bank of America® Travel Rewards credit card starts you off with a sign-up bonus: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. .

For a $0 -annual-fee card, that’s an excellent offer. The reasonable spending requirement makes it relatively easy to nab, too.

» MORE: NerdWallet review of the Bank of America® Travel Rewards credit card

Preferred Rewards

This straightforward card gets far more exciting if you keep a lot of money in Bank of America® or Merrill accounts. That’s because if you qualify for the bank’s Preferred Rewards program — by maintaining combined balances of $20,000 or more among eligible accounts — you can earn a higher rewards rate on this card (and all eligible Bank of America® credit cards), along with other benefits.

With combined balances of over $100,000, for example, you could earn 2.62 points per dollar spent on this card, according to the bank. Remember, you have to be enrolled in the Preferred Rewards program to get that boost.

No foreign transaction fees

This card charges no foreign transaction fees, so you won't have to deal with any annoying 3% charges while making purchases outside the U.S. That benefit, combined with the card's other budget-friendly features, regularly earns it a spot on our list of Best No Foreign Transaction Fee Credit Cards .

0% intro APR offer

The Bank of America® Travel Rewards credit card is one of the few travel cards that features a generous 0% APR period: It boasts 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply . That can come in handy if you book a trip using the card and want to pay it off over a few months, instead of all at once. And while you’re floating that balance interest-free, you can score that sign-up bonus.

More about the card

Complete card details for the Bank of America® Travel Rewards credit card

NerdWallet review of the Bank of America® Travel Rewards credit card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

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The Unique Burial of a Child of Early Scythian Time at the Cemetery of Saryg-Bulun (Tuva)

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Pages:  379-406

In 1988, the Tuvan Archaeological Expedition (led by M. E. Kilunovskaya and V. A. Semenov) discovered a unique burial of the early Iron Age at Saryg-Bulun in Central Tuva. There are two burial mounds of the Aldy-Bel culture dated by 7th century BC. Within the barrows, which adjoined one another, forming a figure-of-eight, there were discovered 7 burials, from which a representative collection of artifacts was recovered. Burial 5 was the most unique, it was found in a coffin made of a larch trunk, with a tightly closed lid. Due to the preservative properties of larch and lack of air access, the coffin contained a well-preserved mummy of a child with an accompanying set of grave goods. The interred individual retained the skin on his face and had a leather headdress painted with red pigment and a coat, sewn from jerboa fur. The coat was belted with a leather belt with bronze ornaments and buckles. Besides that, a leather quiver with arrows with the shafts decorated with painted ornaments, fully preserved battle pick and a bow were buried in the coffin. Unexpectedly, the full-genomic analysis, showed that the individual was female. This fact opens a new aspect in the study of the social history of the Scythian society and perhaps brings us back to the myth of the Amazons, discussed by Herodotus. Of course, this discovery is unique in its preservation for the Scythian culture of Tuva and requires careful study and conservation.

Keywords: Tuva, Early Iron Age, early Scythian period, Aldy-Bel culture, barrow, burial in the coffin, mummy, full genome sequencing, aDNA

Information about authors: Marina Kilunovskaya (Saint Petersburg, Russian Federation). Candidate of Historical Sciences. Institute for the History of Material Culture of the Russian Academy of Sciences. Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail: [email protected] Vladimir Semenov (Saint Petersburg, Russian Federation). Candidate of Historical Sciences. Institute for the History of Material Culture of the Russian Academy of Sciences. Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail: [email protected] Varvara Busova  (Moscow, Russian Federation).  (Saint Petersburg, Russian Federation). Institute for the History of Material Culture of the Russian Academy of Sciences.  Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail:  [email protected] Kharis Mustafin  (Moscow, Russian Federation). Candidate of Technical Sciences. Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected] Irina Alborova  (Moscow, Russian Federation). Candidate of Biological Sciences. Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected] Alina Matzvai  (Moscow, Russian Federation). Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected]

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Bank of America® Unlimited Cash Rewards Credit Card

Bank of america® customized cash rewards credit card, bank of america® travel rewards credit card, bank of america® premium rewards® credit card, alaska airlines visa signature® credit card, bank of america® customized cash rewards credit card for students.

• Why You Should Trust Us

Best Bank of America Credit Cards of 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Alaska Airlines Visa Signature® credit card, Bank of America® Customized Cash Rewards Credit Card for Students, Bank of America® Unlimited Cash Rewards Credit Card for Students, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card. The details for these products have not been reviewed or provided by the issuer.

Bank of America credit cards might not be as flashy as those from big issuers such as Chase and American Express, but that doesn't make them any less worthwhile. Bank of America offers a surprising number of credit cards that offer bonus cash back, flexible points, and travel benefits. 

The Business Insider editorial team has reviewed the pros and cons of Bank of America credit cards to help you find the best fit for you.

Compare the Top Bank of America Credit Cards

• Earn unlimited 1.5% cash back on all purchases.

0% intro APR for the first 15 billing cycles on purchases and on any balance transfers made in the first 60 days

19.24% - 29.24% Variable

Earn a $200 online cash rewards bonus

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Decent welcome bonus
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous intro APR offer on purchases and balance transfers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can earn up to 75% more rewards for your spending if you’re a Bank of America Preferred Rewards customer
• con icon Two crossed lines that form an 'X'. 3% foreign transaction fee
• con icon Two crossed lines that form an 'X'. Other cards offer better travel and purchase benefits

The Bank of America® Unlimited Cash Rewards Credit Card is one of the best Bank of America credit cards for those looking for no-annual-fee card that earns a high rate of cash back on all purchases — and if you're a Bank of America Preferred Rewards customer, it has the potential to be even more lucrative. With a strong welcome bonus and introductory APR offer, it's ideal for those who prefer a straightforward cash-back card.

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
• No annual fee.
• No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Earn 3% cash back in the category of your choice and automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. Earn unlimited 1% on all other purchases.

0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 2% and 3% cash-back categories
• con icon Two crossed lines that form an 'X'. Earn 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter.

The Bank of America® Customized Cash Rewards Credit Card is worth considering if you're looking for a no-annual-fee cash-back credit card that lets you choose your highest rewards category.

• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don't expire as long as your account remains open.

Earn 1.5 points per dollar on all purchases

0% intro APR for the first 15 billing cycles for purchases and for any balance transfers made within the first 60 days of account opening

Earn 25,000 online bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.5 points per dollar on every purchase
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee or foreign transaction fee
• con icon Two crossed lines that form an 'X'. Some cards earn more rewards, though usually only in bonus categories
• con icon Two crossed lines that form an 'X'. You can't transfer points to travel partners (though you can use points to cancel out travel purchases on your statement)

The Bank of America® Travel Rewards credit card is a good travel credit card for beginners or those who prefer simplicity in earning and redeeming rewards.

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• 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.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.

• 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. No limit to the points you can earn and your points don't expire as long as your account remains open.

21.24% - 29.24% Variable

Earn 60,000 online bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Statement credits can help you recoup the annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.5 points per dollar on purchases outside of bonus categories
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good welcome bonus
• con icon Two crossed lines that form an 'X'. To earn the highest rewards rate, you need to qualify for Bank of America's Preferred Rewards program, which requires a minimum of $20,000 in eligible accounts

The Bank of America® Premium Rewards® credit card is ideal for folks who want a travel credit card with strong points earning and top-notch benefits without a high annual fee.

• Low $95 annual fee.
• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.

Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn 2 miles for every $1 spent on eligible gas, cable, streaming services and local transit purchases. Earn 1 mile for every $1 spent on all other purchases.

20.24% - 28.24% variable

Earn 60,000 bonus miles plus Alaska's Famous Companion Fare™

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual companion fare benefit
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free first checked bag and priority boarding on Alaska flights
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10% bonus on earned miles if you have an eligible Bank of America or Merrill account
• con icon Two crossed lines that form an 'X'. Must use the card to pay for your flight to get free checked bag and priority boarding

The Alaska Airlines Visa® Credit Card is an excellent choice if you fly Alaska Airlines or use its miles to book partner awards.

Earns 1-3% cash back on purchases

• 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account

16.99% - 26.99% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous welcome bonus for a student credit card
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Flexible rewards earning - you can pick the category in which you earn the most cash back each quarter
• con icon Two crossed lines that form an 'X'. Foreign transaction fees
• con icon Two crossed lines that form an 'X'. Few benefits compared to other rewards credit cards
• con icon Two crossed lines that form an 'X'. Card only earns 1% cash back outside of bonus categories

The Bank of America® Customized Cash Rewards Credit Card for Students offers a lucrative but uncomplicated rewards structure, a lengthy 0% introductory APR, and a welcome bonus that provides a sizable return compared to the spending requirement.

• Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
• 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
• 1% cash back on all other purchases
• Cash rewards don’t expire and for future purchases, you can change your choice category online or through the mobile app
• No annual fee
• Access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
• Bank of America® Unlimited Cash Rewards Credit Card: Best for flat-rate cash back
• Bank of America® Customized Cash Rewards Credit Card: Best for customizing your own bonus category
• Bank of America® Travel Rewards credit card: Best for travel
• Bank of America® Premium Rewards® credit card: Best for premium travel benefits
• Alaska Airlines Visa Signature® credit card : Best for Alaska Airlines
• Bank of America® Customized Cash Rewards Credit Card for Students : Best for students

Bank of America Credit Card Reviews

The Bank of America® Unlimited Cash Rewards Credit Card is an excellent choice for straightforward flat-rate rewards on all purchases. Cardholders get a generous welcome bonus and flexible redemption options for no annual fee. One of the greatest aspects of this card is the long 0% intro APR on balance transfers and purchases. 

The no-annual-fee Bank of America Unlimited Cash Rewards Card earns unlimited 1.5% cash back on all purchases, which is great for folks looking for straightforward rewards. It has a 0% intro APR for the first 15 billing cycles on purchases and on any balance transfers made in the first 60 days (then a 19.24% - 29.24% Variable APR). 

You can redeem cash back as a statement credit, a deposit into an eligible Bank of America account, or credit it to a qualifying Merrill account. Your rewards won't expire as long as your account is open and in good standing.  

As with most Bank of America cards, new and existing cardholders can now activate a free year of Grubhub+ membership, which includes free delivery on orders over $12. However, the Bank of America Unlimited Cash Rewards Card doesn't offer many other perks (which is common for no-annual-fee cards). So if you're looking for significant travel or purchase benefits, you should consider a different rewards credit card . This card also charges foreign transaction fees , so it's not a good card for international purchases.

Read our Bank of America Unlimited Cash Rewards credit card review .

The no-annual-fee Bank of America® Customized Cash Rewards Credit Card is a great cash-back card for customizable rewards (from a list) and earns a strong welcome bonus. Plus, it has flexible redemption options and a long intro APR on balance transfers and purchases. 

The Bank of America® Customized Cash Rewards Credit Card earns 3% cash back in the category of your choosing  (gas/EV charging, online shopping, dining, travel, drug stores, or home improvement/furnishings). You'll also earn 2% back at grocery stores and wholesale clubs, and 1% cash back on all other purchases). However, the 3% and 2% rates only apply to the first $2,500 spent in combined purchases each quarter (then 1% cash back). 

The card has a 0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening (then a 19.24% - 29.24% Variable APR). 

Apart from a free year of GrubHub+ membership, the Bank of America® Customized Cash Rewards Credit Card doesn't offer many additional perks. Also, you'll be charged a foreign transaction fee, so it's not a good card to travel with. 

Read our Bank of America Customized Cash Rewards credit card review .

The no-annual-fee Bank of America® Travel Rewards credit card offers simple flat-rate rewards on all purchases, a good welcome bonus, and a long 0% intro APR deal. 

With the Bank of America® Travel Rewards credit card, you'll earn 1.5 points per dollar spent on all purchases, with no caps. Cardholders can redeem rewards points at a rate of 1 cent each for statement credits toward travel (such as hotels, airlines, motels, and timeshares) and dining purchases. You can also use points for non-travel redemptions like gift cards, direct deposit, check, or credit to an eligible Merrill account, but at a reduced rate.

The card comes with a 0% intro APR for the first 15 billing cycles for purchases and for any balance transfers made within the first 60 days of account opening (then a 19.24% - 29.24% Variable APR). The Bank of America® Travel Rewards credit card also doesn't have a foreign transaction fee, which makes it a decent option for international travel. 

But if you're looking for travel insurance or perks, you're better off with a different travel rewards credit card . 

Read our full Bank of America Travel Rewards credit card review .

The Bank of America® Premium Rewards® credit card earns great rewards on all purchases (no cap) and offers a huge welcome bonus. It also comes with terrific travel benefits like baggage delay insurance and no foreign transaction fees. 

With the Bank of America® Premium Rewards® credit card, you can earn an excellent welcome bonus and up to $200 in travel statement credits, for a modest $95 annual fee. It also has flexible redemption options and built-in travel benefits. Cardholders earn an unlimited 2x points on travel and dining purchases (1.5x points on all other purchases). 

Bank of America® Premium Rewards® credit card cardholders receive up to $100 in airline incidental statement credits annually, up to $100 toward the Global Entry/TSA PreCheck application fee (every four years), and travel insurance protection. Plus, there are no foreign transaction fees which makes it a good card to travel overseas with. 

Read our full Bank of America Premium Rewards credit card review .

The Alaska Airlines Visa Signature® credit card earns valuable Alaska Airlines miles with a simple earning structure. It comes with excellent perks for Alaska flyers and a substantial welcome bonus, making the card well worth the $95 annual fee. 

The Alaska Airlines Visa Signature® credit card gets cardholders exclusive savings on travel and unlimited 3 miles per dollar spent on eligible Alaska Airlines purchases, 2 miles on gas/EV charging, local transit including rideshare, and cable and select streaming services, and 1x miles on all other purchases. Cardholders receive money-saving perks like an annual companion fare (from $122) after spending $6,000 or more within the prior year, 20% back on all Alaska Airlines inflight purchases, and priority boarding and a free checked bag on Alaska flights (worth $30) when you use the card to pay for your flight.

The Alaska Airlines Visa Signature® credit card doesn't charge foreign transaction fees, which means it's a good option for international purchases. 

Read our full Alaska Airlines credit card review .

The Bank of America® Customized Cash Rewards Credit Card for Students is a great starter credit card for young adults to build credit.

Cardholders can pick their own 3% rewards category from a short list: gas and EV charging stations, dining, travel, drugstores and pharmacies, online purchases including cable, internet, streaming and phone bills, or home improvement and furnishings. Bonus categories can be changed once a month, and remain the same until updated.

This benefit is great for students who want to earn bonus rewards while furnishing a dorm room or apartment, and then pivot to earning 3% back on internet utilities after that. 

Alternatively, students who want a simpler credit card can choose the Bank of America® Unlimited Cash Rewards Credit Card for Students , which earns 1.5% cash back on all purchases. 

Read our full Bank of America Customized Cash Rewards for Students review or our Bank of America Unlimited Cash Rewards for Students review .

Bank of America Preferred Rewards Program

Bank of America cards are much more valuable if you're a member of Bank of America Preferred Rewards. The Bank of America Preferred Rewards program earns cardholders up to 75% more rewards and exclusive benefits on eligible Bank of America cards (not including co-branded cards like the Alaska Airlines Visa Signature® credit card).

You must have at least $20,000 across all of your Bank of America or Merrill — Bank of America's wealth management division — accounts to become a Preferred Rewards member. Bank of America references your three-month combined average daily balance to determine your eligibility. Your reward rates and benefits are determined by your tier level.

Depending on your tier level, being a Preferred Rewards member can significantly increase the value of certain Bank of America credit cards. For example, the Bank of America® Unlimited Cash Rewards Credit Card earns up to 2.625% cash back on all purchases (1.5% normally).

Bank of America Credit Card Frequently Asked Questions

The best Bank of America credit card for you will depend on your individual spending needs. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is a popular card for most people because you can choose your own bonus categories.

You need a good to excellent credit score to qualify for many Bank of America credit cards — a FICO score of at least 670. Some cards, such as the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card and the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, require excellent credit (FICO score of at least 800). 

Some of the best Bank of America credit cards, such as the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, offer high credit limits for eligible cardholders. Your personal credit limit will depend on your individual credit score and history.

Bank of America's secured credit cards are designed for people with low credit or limited credit history. 

Why You Should Trust Us: How We Reviewed the Best Bank of America Credit Cards

Personal Finance Insider considers credit cards based on the issuer, benefits, and fees associated with each product. Bank of America offers extremely flexible options that meet the needs of a variety of cardholders.

When evaluating the best Bank of America credit cards, we considered several factors:

Rewards — Do you earn rewards at an above-average rate? 

Redemption — Is it easy to use the rewards you earn? 

Additional benefits — Are there any added incentives for you to use a Bank of America credit card instead of a competitor product?

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

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Bank of America Premium Rewards credit card review: Not to be underestimated

Editor's Note

Bank of america premium rewards credit card overview.

If you qualify for the Bank of America® Preferred Rewards® program, the Bank of America® Premium Rewards® credit card has the potential to be quite a lucrative card to use for everyday spending. For those who prefer other banks, there are better-earning travel cards available. Card rating*: ⭐⭐⭐½

* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

It took me a while to appreciate the value of Bank of America's credit card offerings. Many have low or nonexistent annual fees, but they tend to lack the perks that I've always associated with my favorite cards. The rewards earned also don't transfer to airline or hotel programs. Now that I have a better understanding of the Preferred Rewards banking program , the more I see the benefits of having a Bank of America credit card.

Despite having premium in its name, this card isn't like other products with annual fees in the $400-$500 range and a ton of perks. Instead, this card has a lower $95 annual fee and a more modest selection of benefits. Still, it offers great flexibility in redeeming points and can produce outstanding earning rates if you can maximize Bank of America's Preferred Rewards banking program. We recommend a credit score of at least 670 for this card.

Bank of America Premium Rewards credit card pros and cons

Bank of america premium rewards credit card welcome bonus.

With the Premium Rewards card , you'll receive 60,000 bonus points after spending $4,000 on purchases in the first 90 days of account opening. These points have a fixed value of 1 cent each, meaning this bonus is worth $600. This is far from the most lucrative bonus out there, but $600 can go a long way toward airfare, hotel costs or anything in between.

While Bank of America has no published restrictions that apply specifically to earning welcome bonuses, remember that it does have the infamous 2/3/4 rule regarding card applications. You can only get approved for two Bank of America cards in a two-month period, three cards in a 12-month period and four cards in a 24-month period.

Remember that your entire credit profile will be considered, so approval is not guaranteed, even if you fall under these numbers. Lastly, there are no restrictions in the application terms saying that you cannot get this bonus if you previously had the card or that you must wait a certain amount of time before applying again.

Related: Here are the best credit card welcome offers

Bank of America Premium Rewards credit card benefits

While the Premium Rewards card doesn't hold a candle to top-tier cards like The Platinum Card® from American Express , it does come with nice perks for its low annual fee. Notable perks on this card include:

• Up to $100 in statement credits annually for qualifying airline incidentals
• Up to $100 statement credit for TSA PreCheck or Global Entry every four years
• Trip delay, interruption and cancellation insurance
• Purchase protections
• Auto rental collision damage waiver

This is a solid set of benefits for a card with a $95 annual fee. As long as you maximize the annual airline incidentals credit every year, you'll get positive value out of this card. Cardholders also get access to certain Visa Signature® benefits, such as access to the Visa Signature Luxury Hotel Collection.

Related: 9 valuable travel perks that you can get with a credit card

Earning points on the Bank of America Premium Rewards credit card

With the Premium Rewards card , you're earning 2 points per dollar spent on travel and dining and 1.5 points per dollar on everything else. Travel and dining are defined broadly, meaning there are a lot of expenses that can qualify for double points.

The real value here is in the Preferred Rewards program. If you are a member of the Preferred Rewards program, you can earn 25-75% more points on every purchase, up to an impressive 2.625 points per dollar on non-bonus spending. That's higher than any flat-rate card out there.

Related: Why you should get a fixed-rate rewards credit card

Redeeming points on the Bank of America Premium Rewards credit card

Another thing I like about the Premium Rewards card is that it causes zero stress and consumes very little time. You don't need to jump through hoops to find award availability, and you don't have to go to a specific portal if you want to use your points to pay for your gym membership.

Since points are worth the same no matter what you redeem them for, you're not penalized for redeeming them for cash back.

There are a few ways to redeem points:

• Cash back : When your points balance is 2,500 points or more, you can receive cash back as a statement credit or deposit it into an eligible Bank of America checking or savings, Merrill or 529 college savings account.
• Travel purchases: You can book flights directly through the Bank of America travel portal. This is a good way to redeem points because you can still earn award miles and elite credits by flying on a paid ticket (buying directly from the airline may be better, though, because you may get a lower fare class when booking through a portal).
• Gift cards: A final option allows converting points into gift cards at popular merchants like Amazon, Whole Foods and Starbucks. I advise against this. It's better to purchase gift cards with your credit card outright because you would get purchase protection benefits that way.

You can also convert your points to cash and put them straight into a 529 college savings account. This is an impressive option that can be an excellent way to prepare for expensive tuition costs for yourself or someone in your family.

And if you're solely focused on travel rewards, this card can cover travel expenses you can't redeem miles for, like offsetting surcharges on an award ticket or amazing experiences on the ground .

Hearing that points are worth 1 cent each may initially seem disappointing, especially compared to what other points and miles are worth . However, the simplicity of not jumping through hoops or stressing about "maximum redemption value" can be a strong point here.

Related: Getting started with points, miles and credit cards to travel

Which cards compete with the Bank of America Premium Rewards credit card?

The best cards to compare to the Premium Rewards card are cards with similar annual fees. Let's take a look at a few:

• If you like Chase: The Chase Sapphire Preferred® Card has a $95 annual fee. It offsets that fee with a complimentary DashPass membership (activate by Dec. 31) and an up to $50 statement credit for hotel stays booked through Chase Travel℠. The card earns 5 points per dollar on travel booked through Chase Travel, 3 points on dining and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points on all other travel and 1 point on all other purchases. To learn more, read our full review of the Chase Sapphire Preferred .
• If you like Citi: The Citi Strata Premier℠ Card (see rates and fees ) also comes with a $95 annual fee, offset by a $100 discount on an eligible hotel stay of $500 or more when booked through Citi Travel. The Strata Premier earns 10 points per dollar on hotel, car rental and attraction bookings made through Citi Travel, 3 points on air travel, other hotel purchases, restaurants, supermarkets, gas stations and electric vehicle charging stations and 1 point per dollar on all other purchases. To learn more, read our full review of the Citi Strata Premier .
• If you like American Express: The Blue Cash Preferred® Card from American Express has an introductory annual fee of $0 (then $95 per year, see rates and fees ). The main benefit of this card is up to $84 in statement credits every calendar year (up to $7 each month) for an eligible Disney Bundle charge of $9.99 or more each month (enrollment required; subject to auto-renewal). This card earns 6% cash back at U.S. supermarkets (on the first $6,000 per year, then 1%) and on select U.S. streaming subscriptions, 3% cash back on transit and gas and 1% cash back on all other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. To learn more, read our full review of the Amex Blue Cash Preferred .

For additional options, take a look at our picks for the best travel cards .

Related: Why the Citi Strata Premier and Rewards+ cards are a great pair

Is the Bank of America Premium Rewards credit card worth it?

If transfer partners aren't a big deal to you, I recommend considering the Premium Rewards card . This is especially true if you're a Preferred Rewards member and can get additional points for every dollar spent. Either way, this card offers solid perks for its annual fee.

Bottom line

The Bank of America Premium Rewards card is worth considering if you want a mid-tier card with attractive benefits. While its lack of transfer partners will be a turn-off for many, it still offers good redemption options. As always, consider it against other mid-tier cards to make sure it's the right choice for you.

Apply here: Bank of America Premium Rewards Card

Related: Bank of America Travel Rewards credit card review

For rates and fees of the Amex Blue Cash Preferred, click here .

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Bank of America® Travel Rewards Credit Card for Students

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Start building a successful financial future today

while earning unlimited 1.5 points for every $1 you spend on all purchases

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Unlimited points.

Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open

Low Introductory APR Offer

0% † Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 19.24% to 29.24% will apply. 3% † Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

25,000 online bonus points offer

25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases

No annual fee † and no foreign transaction fees †

Enjoy no annual fee and no foreign transaction fees on purchases while earning points to use for statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees, and also at restaurants – including takeout

Establish good credit habits

Easily manage your bank accounts and finances online with Online Banking and our award winning Mobile Banking app that help students stay in control of their finances and make payments

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Now, you can access your FICO ® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Opt-in to receive your score, the key factors affecting your score, and other information that can help you keep your credit healthy.

Interest Rates & Fees Summary †

Introductory apr.

0% for 15 billing cycles

Applies to purchases and to any balance transfers made within 60 days of opening your account

Standard APR

19.24% - 29.24%

Balance Transfer Fee

After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

† Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time.

No blackout dates or restrictions and points do not expire as long as your account remains open.

Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.

Flexibility to redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees, and also at restaurants—including takeout.

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Better money habits ®.

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Security & Features

Stay protected, contactless chip technology, balance connect ® for overdraft protection, paperless statement option, digital wallet technology, online & mobile banking, account alerts.

Now, when you opt-in you can access your FICO ® Score updated monthly for free, within your Mobile Banking app or in Online Banking. FICO ® Score Program . The FICO ® Score Program is for educational purposes and for your non-commercial, personal use. This benefit is available only for primary cardholders with an open and active consumer credit card account who have a FICO ® Score available. The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Data connection required. Wireless carrier fees may apply." data-footnote="ADDITIONAL_BENEFITS_FOOTNOTE_07" aria-label="Footnote 5"> Footnote [5] Learn More   about Free FICO Credit Score opens in a new window

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What We Know About the Global Microsoft Outage

Airlines to banks to retailers were affected in many countries. Businesses are struggling to recover.

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By Eshe Nelson and Danielle Kaye

Eshe Nelson reported from London and Danielle Kaye from New York.

Across the world, critical businesses and services including airlines, hospitals, train networks and TV stations, were disrupted on Friday by a global tech outage affecting Microsoft users.

In many countries, flights were grounded, workers could not get access to their systems and, in some cases, customers could not make card payments in stores. While some of the problems were resolved within hours, many businesses, websites and airlines continued to struggle to recover.

What happened?

A series of outages rippled across the globe as information displays, login systems and broadcasting networks went dark.

The problem affecting the majority of services was caused by a flawed update by CrowdStrike , an American cybersecurity firm, whose systems are intended to protect users from hackers. Microsoft said on Friday that it was aware of an issue affecting machines running “CrowdStrike Falcon.”

But Microsoft had also said there was an earlier outage affecting U.S. users of Azure, its cloud service system. Some users may have been affected by both. Even as CrowdStrike sent out a fix, some systems were still affected by midday in the United States as businesses needed to make manual updates to their systems to resolve the issue.

George Kurtz, the president and chief executive of CrowdStrike, said on Friday morning that it could take some time for some systems to recover.

How a Software Update Crashed Computers Around the World

Here’s a visual explanation for how a faulty software update crippled machines.

What was affected?

It is more apt to ask what was not affected. Everything from airlines to banks to health care systems in many countries was hit.

In Australia, passengers were stuck in long lines at Sydney airport as information screens went blank, and programming was disrupted at the national broadcaster. Airports in Britain, Germany and Taiwan had long delays at check-ins and flights were delayed or canceled. At an airport in South Korea, handwritten boarding passes were being slowly handed out.

How the airline cancellations rippled around the world (and across time zones)

Share of canceled flights at 25 airports on Friday

50% of flights

Ai r po r t

Bengalu r u K empeg o wda

Dhaka Shahjalal

Minneapolis-Saint P aul

Stuttga r t

Melbou r ne

Be r lin B r anden b urg

London City

Amsterdam Schiphol

Chicago O'Hare

Raleigh−Durham

B r adl e y

Cha r lotte

Reagan National

Philadelphia

1:20 a.m. ET

Flights continued to be disrupted at some U.S. airports into the morning because of the cascading effect of flight delays and cancellations. The Federal Aviation Administration said in a statement that ground stops and delays would be “intermittent” at some airports as airlines grapple with residual technology issues.

The outage affected emergency 911 lines in multiple states, the U.S. Emergency Alert System said on social media — but most if not all of the emergency system problems appeared to be resolving themselves by midmorning.

A few hospitals in Germany said they would cancel elective procedures; and in Britain, some doctors in the National Health Service were unable to gain access to systems. Kaiser Permanente, a medical system that provides care to 12.6 million members in the United States, said all of its hospitals’ systems were affected, and it activated backup systems to keep caring for patients.

At some banks, including JPMorgan Chase, there were delays in processing trades because bankers could not log into their work systems. TD Bank, the 10th largest in the United States, said customers complained that they could not access their online accounts.

But the problems were not uniform. London’s Heathrow Airport said that its flights were still operating. The London Stock Exchange said that it could not publish news updates but the exchange, where trades take place, was working as normal. The auction system at the Norwegian central bank was briefly interrupted, but other major central banks, the European Central Bank and Bank of England, said there was no effect on their systems.

In some cases, issues were resolved relatively quickly. In Ukraine, Sense Bank and the mobile operator Vodafone reported brief problems with their services. At Dubai International Airport, two airlines switched to alternative systems, allowing operations to resume.

Major grocery chains in the United States appeared largely unaffected, with most stores operating as usual. But the world’s biggest logistics companies, including United Parcel Service and FedEx, did report disruptions, causing delivery delays in some regions. A spokesman for UPS said the company’s computer systems in the United States and Europe were affected.

Who’s to blame?

Mr. Kurtz said CrowdStrike took responsibility for the software bug, sent in a system update, that caused the outage. He said in a post on X that Mac and Linux users were not affected.

The incident was not a cyberattack, Mr. Kurtz said, adding that customers remain “fully protected.” But Mr. Kurtz warned on NBC’s “Today” show that the fix could take some time to put in place.

“We understand the gravity of the situation and are deeply sorry for the inconvenience and disruption,” Mr. Kurtz said. Microsoft offered suggestions to users to help resolve the issue, including restoring backup systems.

While CrowdStrike is at fault for the software bug, J.J. Guy, chief executive of cybersecurity company Sevco, said poor resiliency of Microsoft’s operating system is to blame for extent of the damage.

“Bugs happen all the time and are unavoidable, the result of business complexity and technology,” Mr. Guy said. “But this became a catastrophic incident because of the remediation procedures. The resiliency of the operating system was not sufficient to mitigate the risk of that.”

Microsoft did not immediately respond to requests for comment on its operating system. The company’s chief executive, Satya Nadella, said in a post on X that Microsoft is working with CrowdStrike to offer customers technical guidance and bring systems back online.

Eshe Nelson is a reporter based in London, covering economics and business news for The New York Times. More about Eshe Nelson

Danielle Kaye is a business reporter and a 2024 David Carr Fellow, a program for journalists early in their careers. More about Danielle Kaye