Best Categories for This Card
Travel
Dining & Restaurants
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Travel | 2x | Ongoing | — | 2.00% |
| Dining & Restaurants | 2x | Ongoing | — | 2.00% |
Everywhere else | 1.5x | Ongoing | — | 1.50% |
Card details
- Network
- Visa
- Foreign transaction fee
- None
- Credit usually needed
- Excellent (about 740+)
- Last verified
- Oct 11, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Downgrade options: Bank of America® Premium Rewards® Credit Card, Bank of America® Travel Rewards Credit Card — a product change keeps your account history if this card stops earning its fee.
Pairs well with
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Want more details?
Fees, benefits, and current offers change frequently. Visit Bank of America’s official page for the most up-to-date terms straight from the issuer.
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