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Bank of America® credit cards

Choose a Bank of America credit card based on the benefits you want.

Bank of America offers credit cards featuring benefits from travel and cash back to an exceptional suite of services and experiences, all curated to complement your lifestyle. Earn up to 75% more rewards on every purchase, based on your tier, if you're enrolled in the  Bank of America Preferred Rewards® program. 1

Bank of America® Premium Rewards® Elite credit card

Luxury travel and lifestyle benefits, along with a dedicated concierge.

• Unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points per $1 on all other purchases. 2
• There's no limit to the points you can earn, and points don't expire as long as your account remains open.
• Get 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. 3
• Receive up to $100 in statement credits for either Global Entry or TSA PreCheck® application fees every four years. 4
• Save 20% on airfare when you pay with points through the Bank of America Travel Center 5
• Up to $150 annually in statement credits for lifestyle conveniences including video streaming services, food delivery, fitness subscriptions and rideshare services. 6
• Get access to VIP experiences and a dedicated 24/7 Concierge. 7
• Access to airport VIP lounges worldwide. * 8
• Distinctive metal card.

Bank of America® Premium Rewards® credit card

Unlock premium benefits and enhance your daily life.

• Unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points on all other purchases. 9
• Receive up to $100 in Airport Security statement credits for either Global Entry or TSA PreCheck® application fees, every four years. 10
• Get up to $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services and airline lounge fees—automatically applied to your card statement. 11
• Redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center.
• Get premium benefits designed to complement your life, from roadside assistance to travel and return protections and even extended warranties 12 – you’ll bring real value to your every day.

Bank of America® Travel Rewards credit card

Enjoy the flexibility to redeem points toward travel, dining or takeout purchases.

• Unlimited 1.5 points for every $1 spent on all purchases everywhere, every time. 13
• Flexibility to redeem points for a statement credit for travel purchases such as flights, hotel stays, vacation rentals, or baggage fees, as well as for restaurant purchases — including takeout.

Bank of America® Customized Cash Rewards credit card

Maximize your cash back by choosing how you earn rewards.

• 3% cash back in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings.
• 2% cash back at grocery stores and wholesale clubs.
• 1% cash back on all other purchases.
• Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%. 14

Bank of America® Unlimited Cash Rewards credit card

Earn unlimited, easy cash back on all purchases

• Unlimited 1.5% cash back on all purchases. 15
• No limit to the amount of cash back you can earn.
• Cash rewards don't expire as long as your account remains open.

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* Certain terms, conditions, exclusions and restrictions apply. See application for details.

1 Preferred Rewards Program Enrollment.  You can enroll and maintain your membership in the Bank of America Preferred Rewards® program if you have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers in your combined qualifying Bank of America deposit accounts and/or your Merrill investment accounts. You can satisfy the combined balance requirement for enrollment with either:

1) a three-month combined average daily balance in your qualifying deposit and investment accounts, or 2) a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.

You must have a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Private Bank clients qualify to enroll in the Diamond tier and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill, and Private Bank balances.  Refer to your Personal Schedule of Fees for details. For details on Bank of America employee qualification requirements, please call Employee Financial Services or Refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to enroll on customized terms. Refer to go.bofa.com/cebi-faq for details. 0823PR.SV.CM.DD.0823

Credit Card Preferred Rewards Bonus.  Certain credit cards are eligible to receive a Preferred Rewards bonus. Enrolled Preferred Rewards members with eligible Bank of America® credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your cash rewards or points.  The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. Visit  bankofamerica.com/preferred-rewards  for a complete list of ineligible cards. 0823PR.CCPRB.GNRC.MLTPL.1121

2   Bank of America® Premium Rewards® Elite Program Information. How You Earn Points: Bank of America® Premium Rewards® Elite Program Information. How You Earn Points: Earn points when you use this card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 Points: Earn 1.5 base points for every $1 spent on Net Purchases (non-Travel and Dining Category) charged to the card each billing cycle. 2 Points: Earn 2 points (consisting of .5 bonus points and 1.5 base points) for every $1 spent on Travel and Dining Net Purchases charged to the card each billing cycle. Travel and Dining Category: Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns. Travel includes: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Purchases from some merchants that provide travel-related goods and services will not be eligible, like in-flight goods and services, and duty-free airport purchases. Travel and Dining Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into Categories to help you earn rewards on purchases made at specific merchants. Your purchase may not qualify to receive the Travel and Dining Category earn rate if the merchant does not process transactions under the MCC that corresponds with the Travel and Dining Category, or your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs. For those Net Purchases, you will earn 1.5 base points per $1. Not all merchants accept all credit cards. How You Use Your Points: Points are available for redemption for travel, gift cards, concierge services and cash rewards at a value of 1% of the amount of points redeemed (1 point = $0.01 in rewards value). Cash rewards are issued for a U.S. dollar sum in the form of a statement credit, an electronic deposit to a Bank of America® checking or savings account, or a contribution to an eligible Cash Management Account® with Merrill. How You May Lose Rewards: As long as your card account remains open with active charging privileges, points do not expire. However, If the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 0623RLL.PR.ES.1023

3   Airline Incidental Statement Credit. You are eligible for a statement credit of up to $300 each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards® Elite credit card to pay all airline incidental fee transactions. Allow 2-3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include: preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Eligible travel expenses that qualify for the Airline Incidental Credit must appear under one of the following Airline MCCs: 3000, 3001, 3058, 3063, 3066, 3132, 3174, 3196 or 3256. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit: Allegiant Air, Spirit Airlines, and Sun Country Airlines.

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

5   Air Savings Program. Receive 20% off the cost of airfare when redeeming points through the Bank of America Travel Center. To be eligible for the 20% discount, the airfare itinerary must be booked online at bankofamerica.com/travel or through the Premium Rewards Elite concierge service using the Bank of America Travel booking system. Only the portion of the airfare’s cost paid for with points is eligible for the discount. For example, 80,000 Points can be redeemed for a $1,000 flight (instead of the normal 100,000 points). Similarly, if you were to redeem 40,000 Points, you would receive $500 in value toward the airfare. The remaining $500 would be charged to your Premium Rewards Elite credit card.

6 Lifestyle Credit.  You are eligible for a statement credit of up to $150 each calendar year if you make qualifying rideshare, food delivery, video streaming service and fitness transactions at select merchants. To qualify, you must use your Premium Rewards Elite credit card to pay all rideshare, food delivery, video streaming service and fitness transactions. Allow 2–3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made through select rideshare, food delivery, video streaming service and fitness merchants as determined by us. The merchant must submit the charges under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying rideshare, food delivery, streaming service or fitness transaction. Eligible rideshare, food delivery, video streaming service and fitness transactions that qualify for the Lifestyle Statement Credit must appear under one of the following MCCs and contain the designated identifier: 4899, 5399, 5411, 5422, 5499, 5691, 5734, 5815, 5816, 5817, 5818, 5921, 5940, 5964, 5968, 5969, 5999, 7032, 7299, 7372, 7841, 7997, and 7999.

7   Concierge. Bank of America® Premium Rewards® Elite Visa Infinite® cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Infinite Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability.

8  Priority Pass Select™. Through the Priority Pass Select program, enrolled Bank of America Premium Rewards® Elite Visa Infinite® cardholders will receive 12-month Priority Pass Select membership(s) to access airport VIP lounges worldwide currently participating in the Priority Pass Select program with their accompanying guests, regardless of their choice of airline, class of ticket or membership in an airline lounge program.

– You must be an eligible Bank of America Visa Infinite cardholder to participate. Eligibility for this offer is determined by Bank of America. Provided you meet the issuer-determined eligibility requirements, Bank of America will allow enrollment up to four Persons as member(s) in the Priority Pass Select program, without charge of a membership fee. As a Priority Pass Select member, you and your guest(s) can enjoy complimentary lounge visits at 1,300 airport lounges and experiences. The number of lounges and experiences is subject to change. Lounge benefits, services and facilities differ by location and may only be available at an additional charge. Please refer to the Priority Pass Conditions of Use (https://prioritypass.com/en/conditions-of-use) for any additional questions regarding the program.

– Provided the Priority Pass Select membership benefit is still being offered by Bank of America and the card under which you originally enrolled is still eligible, your membership(s) will be automatically renewed for another year at no additional cost, unless you cancel your membership by calling Priority Pass Select at +1 800 352 2834 (toll-free in USA/Canada/Mexico) or +1 972 735 0536 (outside of North America). Once the renewal is processed, the digital membership expiration date will be updated on your Priority Pass profile(s). If the Priority Pass Select benefit is no longer being offered by Bank of America or the card under which you originally enrolled is no longer eligible for the benefit, your membership(s) will not automatically be renewed, but you will be given the opportunity to renew with Priority Pass Select at the applicable retail rate on Priority Pass then current standard terms. Enrollment is limited to four individuals for the life of the account. We cannot remove an existing member to add another.

For access to a participating airport lounge, you must present your Priority Pass Select Digital Membership Card, and a boarding pass or valid flight ticket (depending on the lounge) for the same day of travel. Always have your Digital Membership Card to present as an alternative access method to hand the attendant. All participating lounges are owned and operated by third party organizations, and none of Priority Pass Select, Bank of America or Visa are or will be liable for any loss to a Member or any accompanying guests, arising from the provision or non- provision of any of the benefits, services and facilities. Lounge benefits, services and facilities differ by location and some may only be available at an additional charge. Certain lounges may restrict access due to space constraints and may have limits on the number of guests who can enter with a Member.

Priority Pass Select is an independent airport lounge access program and is neither owned nor otherwise affiliated with Bank of America or Visa. The Priority Pass Select membership benefit is subject to change and cancellation at any time. Membership in the Priority Pass Select program is not transferable and is only valid up to the date of membership expiration. 1023RLL.PR.ES.1023

9   Bank of America® Premium Rewards® Program Information. How You Earn Points: Earn points when you use this card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 Points: Earn 1.5 base points for every $1 of Net Purchases (non-Travel and Dining) charged to the card each billing cycle. 2 points: Earn 2 base points for every $1 of Net Purchases made with the card in the Travel and Dining category, with no limit on the number of points you can earn. Travel and Dining Category: Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns. Travel includes: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Purchases from some merchants that provide travel-related goods and services will not be eligible, like in-flight goods and services, and duty- free airport purchases. Travel and Dining Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into Categories to help you earn rewards on purchases made at specific merchants. Your purchase may not qualify to receive the Travel and Dining Category earn rate if the merchant does not process transactions under the MCC that corresponds with the Travel and Dining Category, or your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs. For those Net Purchases, you will earn 1.5 base points per $1. Not all merchants accept all credit cards. How You Use Your Points: When your points balance is 2,500 points or more, you can redeem your points for cash rewards, including a statement credit, an electronic deposit into a Bank of America® checking or savings account, or for credit to a qualifying Cash Management Account® with Merrill or qualifying 529 account with Merrill. Points may also be redeemed for travel at the Travel Center, or gift cards. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand. Each point redeemed is worth $0.01 (2,500 points = $25). How You May Lose Rewards: As long as your card account remains open with active charging privileges, points do not expire. However, If the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. Rewards Program Rules: Program Rules containing additional terms of your credit card rewards program will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 1023RLL.PR.1023

10   Airport Security Statement Credit. You are entitled to up to $100 in statement credits per account every four years in connection with the TSA PreCheck® or Global Entry program when you use your Premium Rewards® credit card to pay the application fee(s). Statement credits, not to exceed a total of $100, will be applied in the order that the qualifying transactions posted to your account. Allow two to three weeks from qualifying, for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. TSA PreCheck® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Bank of America has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and no liability regarding the Global Entry or TSA PreCheck® programs. For complete details on the TSA PreCheck® program, go to tsa.gov/precheck. For complete details on the Global Entry program, go to cbp.gov/global-entry/about . The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security. 1023RLL.PR.AS.SC.0123

11   Airline Incidental Statement Credit.  You are eligible for a statement credit of up to $100 each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards® credit card to pay all airline incidental fee transactions. Allow 2–3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include: preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit: Allegiant Air, Spirit Airlines, and Sun Country Airlines. 1023RLL.PR.AI.SC.0920

12 Card Benefits. Certain restrictions apply to each benefit. Details accompany new account materials. 0223LL.VS.WM.PL.NOCR.0522

13   Bank of America® Travel Rewards Program Information. How You Earn Points: Earn points when you use this card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances(each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 Points: Earn 1.5 points (base points) for every $1 of Net Purchases charged to the card each billing cycle. Bonus Points at The Travel Center: Earn 3 points (consisting of 1.5 bonus points and 1.5 base points) for every $1 in Net Purchases, made through the Travel Center, with no limit on the number of bonus points you can earn. Account opening bonuses are excluded from other Customer Bonus programs. How You Use Your Points: Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points. How Your Travel Credit Works: A travel credit is applied as a statement credit to your account to offset travel and dining purchases from qualifying merchants in these travel or dining related categories: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos, eating places and restaurant, drinking places, bars, taverns, cocktail lounges, nightclubs, discotheques and fast food restaurants. Purchases from some merchants that provide travel or dining related goods and services will not be eligible for a travel credit, like in-flight goods and services, and duty-free airport purchases. Points may be redeemed for a statement credit to offset qualifying travel and dining purchases that occurred within 12 months prior to the date of redemption, but limited to the most recent 2,500 qualifying travel and dining purchases. Each point redeemed for a travel credit is worth $0.01 (2,500 points = $25). How Your Cash Rewards And Gift Cards Work: Cash rewards are redeemed for a check or electronic deposit into a Bank of America® checking or savings account or for credit to an eligible Cash Management Account® with Merrill. Each point redeemed for cash is worth $0.006 (2,500 points= $15). The redemption value for gift cards varies. How You May Lose Rewards: As long as your card account remains open with active charging privileges, points do not expire. However, If the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. Rewards Program Rules: Program Rules containing additional terms of your credit card rewards program will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 1023RLL.BA.TRVLRWRDS.1023

14   Bank of America® Customized Cash Rewards Program Information. How You Earn Cash Rewards: Earn cash rewards when you use this card to make purchases; returns, credits, and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn cash rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1% Base Cash Rewards: Earn 1% cash back (equal to $0.01 for every $1) on Net Purchases charged to the card each billing cycle. 2% Bonus Category: Earn a total of 2% cash back (equal to $0.02 for every $1, consisting of 1% bonus cash rewards and 1% base cash rewards) on Net Purchases made at eligible grocery store merchants and wholesale clubs, which include supermarkets, freezer/meat lockers, candy, nut or confection stores, dairy product stores, and bakeries. Excluded from this Bonus Category are superstores and smaller stores (like drug stores and convenience stores) that sell groceries and other products. 3% Bonus Category: Earn a total of 3% cash back (equal to $0.03 for every $1, consisting of 2% bonus cash rewards and 1% base cash rewards) on Net Purchases made at eligible merchants in the one Choice Category you have selected. Eligible merchants would include merchants whose primary line of business falls under the following Choice Categories: Gas/Electric Vehicle (EV) Charging Stations (default), Online Shopping, Dining, Travel, Drug Stores, or Home Improvement/Furnishings. When the new account is opened the default Choice Category is Gas/EV Charging Stations. To change your Choice Category for future purchases, you must go to Online Banking or use the Mobile Banking app. A new Choice Category selection can be made once per calendar month; however, if no change is made the category will remain the same. Additional information can be found at bankofamerica.com/choosemycategory. Bonus Category Cap: Grocery store, wholesale club and Choice Category Net Purchases earn bonus cash rewards on the first $2,500 of combined Net Purchases made each calendar quarter. Once the $2,500 quarterly limit is reached, additional Net Purchases will earn base cash rewards of 1%. Bonus Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. Not all merchants accept all credit cards. Rewards Redemption: Redeem cash rewards for statement credits, deposits made directly into a Bank of America® checking or savings account, for credit to a qualifying Cash Management Account® with Merrill or qualifying 529 account with Merrill, or checks. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand. Certain cash rewards are eligible for automatic redemption. Redemptions for an electronic deposit into a Bank of America checking or savings account, or credit to a qualifying Cash Management Account® with Merrill, or for a statement credit do not have a minimum redemption amount. Onetime redemptions for a contribution to a qualifying 529 account with Merrill, redemptions for a check or automatic redemptions for an electronic deposit into a Bank of America checking or savings account, or credit into a qualifying Cash Management Account® with Merrill have a $25 minimum redemption amount. How You May Lose Rewards: As long as your card account remains open with active charging privileges, cash rewards do not expire. However, if the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the cash rewards within ninety (90) days after closing. If we close your card account for any other reason you will lose your cash rewards immediately. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 1023RLL.BA.Olive.0124

15   Bank of America® Unlimited Cash Rewards Program Information. How You Earn Cash Rewards: Earn cash rewards when you use this card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn cash rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 % Base Cash Rewards: Earn 1.5 % cash back (equalto $0.015 for every $1) on all Net Purchases charged to the card each billing cycle. Rewards Redemption: Redeem cash rewards for statement credits, deposits made directly into a Bank of America® checking or savings account, for credit to a qualifying Cash Management Account® with Merrill, a qualifying 529 account with Merrill, or to pay for purchases when you shop at Amazon or check out with PayPal. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand or for automatic redemption. Statement credits and 529 contributions are not eligible for automatic redemption. One-time redemptions for an electronic deposit into a Bank of America checking or savings account, or credit to a qualifying Cash Management Account® with Merrill, or for a statement credit do not have a minimum redemption amount. One-time redemptions for a contribution to a qualifying 529 account with Merrill, or automatic redemptions for an electronic deposit into a Bank of America checking or savings account or into a qualifying Cash Management Account® with Merrill have a $25 minimum redemption amount. Pay with Rewards: Amazon and all related Marks are Trademarks of Amazon.com, Inc. or its affiliates. PayPal and the PayPal logo are registered trademarks of PayPal, Inc. Use Rewards with PayPal: Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. To learn more about PayPal Pay with Rewards, see terms and conditions at paypal.com/us/pay-with-rewards-terms. All reward redemptions are subject to the rewards program rules from Bank of America. How You May Lose Rewards: As long as your card account remains open with active charging privileges, cash rewards do not expire. However, if the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the cash rewards within ninety (90) days after closing. If we close your card account for any other reason you will lose your cash rewards immediately. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 1023RLL.Rewards.Sky.0224

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MERRILL+ - Experience the extraordinary

The MERRILL+ ® Visa Signature ® credit card provides the flexibility to pay over time or in full each month. Exceptional coverage includes:

• Flexible Rewards Program with rich redemptions in travel, gift cards, cash, and more
• 24/7 Concierge Service and Merrill Lynch Trip Advisor
• No Foreign Transaction Fee 1 and Smart Chip Technology
• Trip Cancellation, Trip Delay and Emergency Evacuation
• Zero Liability Fraud Protection and Purchase Security 2
• Endless Rewards + No Annual Fee 1

Earn rewards faster with the MERRILL+ card

Every dollar you spend on qualifying purchases earns you one point with our Beyond Rewards ® program. Redeem your points for travel, gift cards, toward a Merrill Lynch child's college savings education plan, or used against fees and commissions posted to your Merrill Lynch account.

Enjoy more special offers when you spend more

As a Merrill Lynch cardholder, you also receive preferred pricing and special offers with our Beyond Rewards ® Status Levels. The more you spend, the closer you get to the next Status Level. The benefits include discounted car rentals from Hertz, travel offers from Delta and more 2 . There's nothing to redeem - just spend and save.

With the MERRILL+ card, virtually every dollar you spend on purchases moves you closer to the next Status Level. See just a few of the benefits available to you as a cardholder.

1 For information about card rates and fees, click here .

2 Additional restrictions apply. Please refer to Program Details.

Our security promise to you

Merrill Lynch leads the way in addressing security and privacy concerns. Our financial services provide multiple layers of protection that include leading technology to protect your information on our computer systems, ongoing fraud monitoring to detect any unusual activity in your accounts, and responding quickly in an integrated manner to any reports of theft or fraud.

Your Merrill Lynch Card provides the complete protection you need. We not only take a determined approach in protecting you, but provide information to help you protect yourself and steps to take if you suspect there's a problem.

Merrill Lynch shares responsibility for protecting your privacy and personal information on our computer systems and we encourage you to protect yourself at home, at work - everywhere you go.

Zero Liability Protection

You are not held responsible for fraudulent transactions. If a fraudulent purchase appears on your statement, please notify us promptly at 1.877.4ML.CREDIT (465.2733) and it will be removed.

Early Fraud Monitoring

Changes in your spending patterns are instantly detected using leading behavioral technology and data analysis. You are alerted immediately if fraud is suspected.

Warranty Manager Service 1

Double the warranty period under the original manufacturer's written U.S. repair warranty when you use your card.

1 Certain terms, conditions and exclusions apply.

Purchase Security 1

Purchase an item with your MERRILL+ ® card, and within the first 90 days, replacement, repair or reimbursement is available in the event of theft or damage. The maximum claim limit is $10,000 for eligible items of personal property.

Merrill Lynch's Credit Monitoring 1

For a discounted rate of $9.95 2 per month, MERRILL+ Cardholders can enroll in Merrill Lynch's Credit Monitoring, which helps safeguard your financial life and experience peace of mind by detecting - and protecting against - identity theft, fraud, and unusual account activity. You will also receive Identity Theft Coverage for up to $25,000 per occurrence, to cover administrative and legal expenses. 3 Call 1.866.506.7886 to enroll.

1 Certain terms, conditions and exclusions apply. 2 In New York and Texas, sales tax at state and local rates apply. 3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis, Inc. Please refer to the actual policies for complete terms, conditions and exclusions of coverage.

Let us know when you're traveling

Unusual events that don't fit your profile such as transactions occurring in several countries in short succession may trigger a fraud alert. So please advise us of your travel dates and locations; it will reduce the chance that you will experience an interruption in service. Just call us at 1.877.4ML.CREDIT (465.2733) or contact your Financial Advisor.

3-Digit Code

On the back of your Merrill Lynch Visa ® card you'll find a special 3-digit code (also called Cardholder Verification Value or CVV2) that you may be asked to provide if you're making a transaction online or on the phone. This safeguard measure ensures that you physically have your credit card with you and, in the event someone has stolen your card number (but not your actual physical card), they can't make any purchases.

No Foreign Transaction Fee 1

Your MERRILL+ ® credit card has no Foreign Transaction fee, so you save on international purchases.

Smart Chip Technology

The MERRILL+ credit card comes with an embedded microchip, so you can make international purchases, primarily in Canada and European countries, and a magnetic stripe, so you can shop domestically. The smart chip is the preferred form of payment by many international merchants since it provides added security to your card. 1

1 When making a purchase using your embedded chip card, a signature may be required but a PIN is never required. Please refer to Program Details.

Emergency Evacuation Insurance 1

If you suffer an injury or illness that requires Emergency Evacuation on a trip that you purchased entirely with your MERRILL+ ® card, you are eligible for coverage of up to $100,000.

1 Certain exclusions, restrictions, and limitations apply. Please refer to Program Details.

Trip Cancellation 1

Ease the hassles of the unexpected covered cancellations (or interruption) of a covered trip, up to $2500.

Trip Delay 1

Rest assured knowing you have up to $100 per day (up to 5 days) if your trip is delayed due to a covered reason.

Lost Luggage Reimbursement 1

You’re covered for up to $3,000 per trip for checked or carry-on lost luggage and its contents when you purchase your entire fare with your MERRILL+ ® card.

1 Certain terms, conditions and exclusions apply. Please refer to Program Details.

Common Carrier Travel Accident Insurance 1

You're automatically covered for up to $1 million in accidental death or dismemberment when you use your MERRILL+ card to purchase air travel.

Auto Rental Collision Damage Waiver 1

You are covered for damage due to collision or theft up to the actual cash value of most rental cars when certain terms and conditions are met. Coverage is provided to the cardholder and other authorized drivers permitted by the rental contract.

Travel Tips

Traveler's Checklist What to Do Before Going Abroad

• Photocopy your passport and driver's license and keep these separate from your travel documents. Photocopy the reverse side of your credit and debit cards, black out the card numbers, and record the card numbers to keep separately from the copies in a safe location. Give copies of everything to someone you can contact in case you need the information.
• Research passport and visa requirements, health and airline regulations and consulate locations.
• Make a list of all pertinent contact information, such as phone numbers for travel cancellations and car rentals. Include Merrill Lynch overseas contact numbers for lost or stolen cards, travel insurance benefits and customer service.
• Contact Merrill Lynch before you leave to advise of upcoming travel plans; this will help ensure your foreign charge transactions are accepted. Once overseas, should your charge be declined, call Merrill Lynch collect via the international operator. Telephone numbers are listed on the back of your card. Collect calls from hotels may incur a significant service charge, so consider using a pay phone.
• Convert your PIN to a four-digit number, as most foreign ATMs will not respond to PINs that are longer.
• Call Merrill Lynch to find out if charges on your credit or debit card will incur a foreign transaction fee while you're abroad.
• Review all travel insurance terms and conditions carefully.

Reporting an Incident

If you suspect identity theft or fraud, it's important to act quickly so your financial institutions and law enforcement officials can respond accordingly. Please review the following steps to report an incident:

Step 1: Contact Merrill Lynch and other financial institutions.

• For Merrill Lynch, please call us at 1.800.MERRILL (637.7455) or contact your Financial Advisor.
• For other financial institutions, call your standard customer service number and ask to speak to the security and fraud department.
• They will take down your information over the phone. Also, make sure you request a fraud dispute form. It is critical you report identity theft and fraud in writing.
• Keep a log of all your calls, with whom you spoke and in what department (including the date and time of the call).
• When the matter is resolved, ask your financial institution to send you a letter stating that your account has been closed and discharged.

Step 2: Notify your other financial institutions.

• It is recommended that you make your other financial institutions aware of your identity theft, in case your problem is more widespread than you originally thought.

Step 3: Contact the three credit bureaus.

• Equifax: 1.800.525.6285 or equifax.com
• Experian: 1.888.397.3742 or experian.com
• TransUnion: 1.800.680.7289 or transunion.com

Step 4: Notify the authorities about the theft/fraud.

• File a police report where you suspect the identity theft/fraud occurred.
• Ask to file a "miscellaneous incident" report. It is critical that you either obtain a copy of this report or get a copy of the report's number.
• File a report with the Federal Trade Commission (FTC), a government agency charged with protecting consumers. The FTC can share your theft report with law enforcement agencies for investigation purposes.
• Federal Trade Commission (consumer complaints): 1.877.ID.THEFT (438.4338) or consumer.gov/idtheft
• If your complaint is related to telemarketing fraud, contact your State Attorney General to report it.

Emergency Card Replacement

If you are alerted of a problem, or in the event of a lost card, we can have a new card in your hand within 24 hours. And, in most cases, we can also send emergency cash to you. Please call us at 1.800.4ML.CREDIT (465.2733) or contact your Financial Advisor.

Review the details of your Beyond Rewards ® program

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Application Process

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Product Details

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Does this card have a Foreign Transaction fee 1 ?

Benefits and Rewards

Where can I get information on Benefits and Rewards?

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• Suggest, select and purchase unique gifts for any occasion
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Privacy Policy Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and member SIPC , and other subsidiaries of Bank of America Corporation.

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Bank of America Premium Rewards card benefits guide

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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:

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Key takeaways

• The Bank of America® Premium Rewards® credit card offers a variety of travel benefits and protections, including trip delay reimbursement and emergency assistance services.
• The card also offers purchase protections and extended warranties that could give you peace of mind while shopping.
• Bank of America customers with a Preferred Rewards membership can maximize the card’s potential and earn 25 percent to 75 percent more in rewards points.

Although the Bank of America® Premium Rewards® credit card isn’t as popular as other travel credit cards at this level, there are plenty of reasons to consider it. Not only does it offer 2X points on travel and dining purchases, but cardholders also earn a flat rate of 1.5X points on all non-bonus spending. Those who apply and are approved can also earn a generous welcome offer, 60,000 points after spending $4,000 in the first 90 days, and an array of Bank of America Premium Rewards card benefits — which can make the offer an even better deal.

If you’re curious about which perks you’ll get with the Bank of America Premium Rewards card and how everything works, read on to learn more.

Bank of America Premium Rewards credit card travel benefits

While the Bank of America Premium Rewards credit card doesn’t let you transfer your points to airline and hotel partners like some other travel credit cards do, you can redeem your rewards for cash back in the form of a statement credit , a deposit into an eligible Bank of America or Merrill account, gift cards or travel through the Bank of America Travel Center.

You also get a handful of helpful travel perks just for being a cardholder.

No foreign transaction fees

Up to $100 in statement credits for airline incidentals, up to $100 in statement credits for global entry or tsa precheck, bank of america premium rewards card travel protections.

The Bank of America Premium Rewards credit card also comes with a number of travel insurance benefits and protections, including the following:

Trip delay reimbursement

Trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, travel and emergency assistance services, emergency evacuation and transportation coverage, secondary auto rental coverage, roadside dispatch, bank of america premium rewards card purchase protections.

The Bank of America Premium Rewards credit card offers quite a few purchase protections that will automatically apply to eligible purchases you charge to your card.

Purchase protection

Return protection, extended warranties, maximizing the bank of america premium rewards card.

Since the Bank of America Premium Rewards credit card bases the rewards you earn on your spending, maximizing its benefits involves using it for all of your purchases and bills. You should aim to use it for dining and travel purchases specifically, since you can earn an elevated rate of 2X points for each dollar spent. From there, using it for other purchases you need to make can help you rack up 1.5X points per dollar spent on a regular basis.

Also note that Bank of America Preferred Rewards members can earn 25 percent to 75 percent more rewards for using this card or other qualifying Bank of America rewards cards. Ultimately, this means eligible cardholders with the Bank of America Premium Rewards credit card could earn 2.5X to 3.5X points for every dollar spent on travel and dining purchases and 1.87X to 2.62X points for every dollar spent elsewhere.

This free program is for Bank of America customers who have an active, eligible Bank of America account and a three-month combined average daily balance of $20,000 or more in eligible Bank of America or Merrill accounts. Bank of America will automatically enroll you in the program once these requirements are met.

When it comes to using the Bank of America Premium Rewards card benefits shared in this guide, remember that you’ll need to pay with your credit card to qualify. If you pay with another credit card, you won’t be eligible for purchase protections or travel insurance benefits on those transactions.

The bottom line

The Bank of America Premium Rewards credit card isn’t as well known as some other travel cards, but there’s much more to it than meets the eye. In addition to its generous earning rate and welcome offer, cardholders will get quite a few perks along the way.

Even so, it never hurts to compare this card to the benefits offered by other top travel credit cards . With some basic research, you can find a travel credit card that checks off the boxes you care about the most.

Information about the Bank of America Premium Rewards credit card was updated on November 8, 2023.

Why I love the Bank of America Premium Rewards credit card

Is the Bank of America Premium Rewards card the travel card you should get?

Bank of America Premium Rewards credit card review

Merrill Lynch Credit Card Review – Visa Signature Rewards

Rewards – Like I have always said in my review of high end cards, travel rewards are what really set apart is its’ travel rewards. The Merrill Lynch reward program is a traditional program where you redeem a set number of points for airline tickets. Redemption starts at 25,000 points for a domestic airline coach class ticket.

But aside from the usual airline ticket redemption, this card has got a couple of other interesting perks.

British Airways Companion Ticket – Cardholders can get a transatlantic companion tickets on British Airways with purchase of full-fare tickets in FIRST, Club WorldSM or World Traveler PlusSM. You could also get a British Airways Complimentary Business to First Class upgrade to London. For folks who fly a lot to London on BA, this could potentially be a good deal though you may get cheaper discounted tickets and BA is known for their hefty surcharges on things like fuel tax!

Private Jet – Marquis Upgrade – Card members get additional flight hour on one-way upgrade on Marquis Jet Card purchase.

Hotel Perks – Merrill Lynch has partnered with a couple of hotels and offer the following deal. You can get a three nights for the price of two at participating Relais and Chateaux properties.

Car Rental Discounts – Cardholders get discounts and free car class upgrades at Hertz.

Double Points for Merrill Cruise Purchases – You can also earn double points for purchases made under the Merrill Cruise Program.

Concierge Service – Like all other high end cards, this one comes with a concierge service.

Other Basic Features

* Zero Liability Fraud Protection * Early Fraud Warning * Verified by Visa® * Extended Warranty Protection * Purchase Security up to $10,000 * Medical Evacuation Coverage * $1 Million Worldwide Automatic Travel Accident Insurance * $3,000 Lost Luggage Reimbursement * Hotel/Motel Burglary Insurance * Auto Collision Damage Waiver

Level 1, Level 2 and Level 3 Tier Rewards

The rewards I have just described are just some of the main rewards that you will get. Merrill Lynch offers a higher level of rewards depending on your spending limit. Below is a screen shot of the additional rewards that you will get depending on your spending level.

Verdict and Opinon – I actually have the Merrill Lynch Plus Card, which is considered one notch below this card though there are some features that I would think should have been on the card. Regular readers of this blog will also know that I am a Amex Platinum Card holder.

Overall, I think that the Merrill Lynch Signature Rewards Card has some very interesting features which other cards do not have. Firstly, they have different level of perks for different levels of spending (some might argue that the level of spending is “low” for an elite card). And some of their rewards are quite unique. For example, you get discounts on Delta tickets, Hyatt stays, British Airways tickets, hertz, and even get a Herts Gold Membership. You also get Priority Pass Membership if you are a +3 level.

For those who will use these features, then I would say that this is a card worth considering.

Having said that, I still think that the Merrill Cards fall short of the Amex Platinum Card. I think that is a problem with banks who have a private wealth management unit and try to come up with something to compete with Amex or a Diners Club.

Firstly, the BA companion ticket feature may be of interest to folks who fly to London often. But Amex Platinum has 17 partners (at this time) for their international airline partner program (though they do not give discounts for business class tickets).

For me, the inability to transfer points to miles is a big hindrance for anyone who wants to be considered an “elite” credit card. You also have to use Merrill’s system to redeem points for flights. Even cards like the Citi Chairman Card or the Carte Blanche allow you to book your own travel and redeem it with points later on. Also, they do not offer perks like elite status hotel memberships (gold level for starwood in the case of Amex Platinum and gold level for Hilton HHonors in the case of Citi Chairman Card).

The annual fee is low for a so-called elite credit card. The “usual elite card” features are lacking, though they make it up very nicely with their discounts at places like Hyatt Hotels, on Delta Airlines and British Airways. For those looking for a high end card, I still consider my Amex Platinum to be a benchmark (the Centurion Card is obviously a different story). But as I have a Merrill Lynch Card (the Plus Card with no annual fee), I can see how this card can be a great supplement to my Amex Platinum. For example, if I book a Hyatt Hotel, I would definitely use this card over the Amex Platinum Card. Or if I want a business class Delta ticket, then the Merrill Card will be the one that I use.

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All other company, product and service names may be trademarks or service marks of others and their use does not imply endorsement of this program.

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Open up to a world of possibilities with the MERRILL+ ® Visa Signature ® credit card.

Luxury Travel Experiences

• Shop anywhere with the card's smart chip technology, allowing greater acceptance by merchants worldwide
• Exclusive travel upgrades, discounts and complimentary amenities
• Spend $50,000 or more annually to achieve Plus Level status, which gives you access to exclusive benefits, including a $200 Travel Credit
• Ease the hassles of unexpected travel changes with Trip Delay and Trip Cancellation insurance
• Know you're protected with Emergency Evacuation insurance, Auto Rental Collision Damage Waiver, Lost Luggage Reimbursement and Travel Accident Insurance

Remarkable Rewards

• Earn 1 point for every dollar you spend on purchases – there's no limit to the number of points you can earn and points don't expire
• Enjoy air travel rewards that start at just 25,000 points (up to $500) with no blackout dates or required Saturday-night stays
• Or choose gift cards or cash back

Personalized Service

• Merrill Lynch Travel Advisors and Concierge are available 24 hours a day, 7 days a week
• Access your account information any time at MyMerrill.com or bankofamerica.com

Leading Security

• Rest assured knowing you will not be held liable for fraudulent purchases with $0 Liability Guarantee
• With Early Fraud Monitoring, you will be alerted of any suspicious activity on your account

* Certain exclusions, restrictions and limitations apply. Details accompany new account materials

Rewards for you. Benefits for your Business. The Merrill Rewards for Business™ Visa Signature ® credit card.

Flexible Rewards

• Earn 1 point for every dollar you, or your authorized employees, spend on purchases with the card
• Redeem points for 1.5% cash back directly into an eligible account
• Or redeem for gift cards or travel rewards

Manage Your Business

• Set up unlimited employee cards, each with an individualized credit line
• Access monthly cardholder-level reporting through Online Banking, available 24/7 through bankofamerica.com
• You can plan business travel with ease through Merrill Lynch Travel Advisors. Also, the Concierge is available to help with your everyday needs. leaving you more time to work on your business
• Customer service representatives are available 24/7 to help with all your account questions

Protect your Assets

• Chip technology for added security and greater acceptance at chip-enabled merchant terminals worldwide
• Know that your protected by our Zero Liability Protection, meaning you will not be held liable for fraudulent purchases made on your card
• Terminated Employee Misuse Protection guards your business against losses incurred through card misuse by a terminated employee
• You'll also enjoy leading travel protection including Travel and Emergency Assistance, Auto Rental Collision Damage Waiver, and Lost Luggage Reimbursement

Important notice from Merrill Lynch

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You're continuing to another website that Bank of America doesn't own or operate. Its owner is solely responsible for the website's content, offerings and level of security, so please refer to the website's posted privacy policy and terms of use. It's possible that the information provided in the website is available only in English.

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Merrill Lynch

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Merrill Rewards for Business™ Visa Signature ® card

• Card Overview
• Program Details

Merrill Rewards for Business™ Visa Signature ® card - Grow your business. Reap the rewards.

Merrill Rewards for Business™ Visa Signature ® card provides liquidity to manage your business expenditures while earning rewards.

• No annual fee*
• Unlimited Cards for Employees
• 24/7 Concierge Service
• Terminated Employee Misuse Protection*
• Visa Signature benefits. Visit visa.com/signature for the most current offers.

Earn Rewards for Every Business Purchase

The Beyond Rewards® program offers maximum flexibility for how you can earn and redeem rewards points. Earn 1 point for every $1 in purchases and redeem your points for cash, gift cards and travel. Plus enjoy the convenience of redeeming your points for travel quickly and easily with our online travel booking service.

Make Your Workday Easier with Business Concierge Service

Save valuable time and resources with our premium business concierge service. From planning and booking your next business meeting to reserving a table at the finest restaurant in town for a client dinner, we're ready to assist you 24 hours a day, 7 days a week.

Experienced Service that Puts You First

While there are many business cards in the marketplace today, none come with Merrill Lynch's commitment to providing our clients with the highest level of service. No matter the inquiry, a highly knowledgeable service professional is always just a phone call away. Or access your account information online where you can manage payments, view statements, track activity, request a credit line increase, and add employees.

*Additional restrictions apply. Please refer to Program Details.

Our security promise to you

Merrill Lynch leads the way in addressing security and privacy concerns. Our financial services provide multiple layers of protection that include leading technology to protect your information on our computer systems, ongoing fraud monitoring to detect any unusual activity in your accounts, and responding quickly in an integrated manner to any reports of theft or fraud.

Your Merrill Lynch Card provides the complete protection you need. We not only take a determined approach in protecting you, but provide information to help you protect yourself and steps to take if you suspect there's a problem.

Merrill Lynch shares responsibility for protecting your privacy and personal information on our computer systems and we encourage you to protect yourself at home, at work - everywhere you go.

Zero Liability Protection

You are never held responsible for fraudulent charges to your card.

Terminated Employee Misuse Protection 1

Protects you against eligible losses that might be incurred through card misuse by a terminated employee.

1 Certain terms, conditions and exclusions apply.

Retail Protection 1

Your account and purchases are protected with Purchase Security, which allows you to enjoy extended warranties on purchases, best value guarantees, and return protection.

Purchase Security 1

Purchase an item with your MERRILL+ Card, and within the first 90 days, replacement, repair or reimbursement is available in the event of theft or damage caused by fire, vandalism, accidentally discharged water and certain weather conditions. The maximum claim limit is $500 for eligible items of personal property. For more information, call 1.800.VISA.911 (847.2911).

Let us know when you're traveling

Unusual events that don't fit your profile such as transactions occurring in several countries in short succession may trigger a fraud alert. So please advise us of your travel dates and locations; it will reduce the chance that you will experience an interruption in service. Just call us at 1.800.MERRILL (637.7455) or contact your Financial Advisor.

3-Digit Code

On the back of your Merrill Lynch Visa ® card you'll find a special 3-digit code (also called Cardholder Verification Value or CVV2) that you may be asked to provide if you're making a transaction online or on the phone. This safeguard measure ensures that you physically have your credit card with you and, in the event someone has stolen your card number (but not your actual physical card), they can't make any purchases.

Medical Emergency Assistance 1

Provides medical referrals, monitoring, and follow-up when you or a loved one needs medical attention inside the U.S. and abroad.

Lost Luggage Locator 1

Helps you through the common carrier's claim procedures and can arrange for the shipment of replacement items.

Car Rental Loss and Damage Insurance 1

Reimbursement for the repair or replacement of a damaged or lost rental vehicle along with towing.

Travel Tips

Traveler's Checklist What to Do Before Going Abroad

• Photocopy your passport and driver's license and keep these separate from your travel documents. Photocopy the reverse side of your credit and debit cards, black out the card numbers, and record the card numbers to keep separately from the copies in a safe location. Give copies of everything to someone you can contact in case you need the information.
• Research passport and visa requirements, health and airline regulations and consulate locations.
• Make a list of all pertinent contact information, such as phone numbers for travel cancellations and car rentals. Include Merrill Lynch overseas contact numbers for lost or stolen cards, travel insurance benefits and customer service.
• Contact Merrill Lynch before you leave to advise of upcoming travel plans; this will help ensure your foreign charge transactions are accepted. Once overseas, should your charge be declined, call Merrill Lynch collect via the international operator. Telephone numbers are listed on the back of your card. Collect calls from hotels may incur a significant service charge, so consider using a pay phone.
• Convert your PIN to a four-digit number, as most foreign ATMs will not respond to PINs that are longer.
• Call Merrill Lynch to find out if charges on your credit or debit card will incur a foreign exchange transaction fee while you're abroad.
• Review all travel insurance terms and conditions carefully.

Reporting an Incident

If you suspect identity theft or fraud, it's important to act quickly so your financial institutions and law enforcement officials can respond accordingly. Please review the following steps to report an incident:

Step 1: Contact Merrill Lynch and other financial institutions.

• For Merrill Lynch, please call us at 1.866.617.1859 or contact your Financial Advisor.
• For other financial institutions, call your standard customer service number and ask to speak to the security and fraud department.
• They will take down your information over the phone. Also, make sure you request a fraud dispute form. It is critical you report identity theft and fraud in writing.
• Keep a log of all your calls, with whom you spoke and in what department (including the date and time of the call).
• When the matter is resolved, ask your financial institution to send you a letter stating that your account has been closed and discharged.

Step 2: Notify your other financial institutions.

• It is recommended that you make your other financial institutions aware of your identity theft, in case your problem is more widespread than you originally thought.

Step 3: Contact the three credit bureaus.

• Equifax: 1.800.525.6285 or equifax.com
• Experian: 1.888.397.3742 or experian.com
• TransUnion: 1.800.680.7289 or transunion.com

Step 4: Notify the authorities about the theft/fraud.

• File a police report where you suspect the identity theft/fraud occurred.
• Ask to file a "miscellaneous incident" report. It is critical that you either obtain a copy of this report or get a copy of the report's number.
• File a report with the Federal Trade Commission (FTC), a government agency charged with protecting consumers. The FTC can share your theft report with law enforcement agencies for investigation purposes.
• Federal Trade Commission (consumer complaints): 1.877.ID.THEFT (438.4338) or consumer.gov/idtheft
• If your complaint is related to telemarketing fraud, contact your State Attorney General to report it.

Emergency Card Replacement

If you are alerted of a problem, or in the event of a lost card, we can have a new card in your hand within 24 hours. And, in most cases, we can also send emergency cash to you. Please call us at 1.866.617.1859 or contact your Financial Advisor.

Review the details of your Beyond Rewards ® program

• Merrill Rewards for Business Program Rules
• Merrill Rewards for Business Partner Benefits
• Merrill Rewards for Business Insurance Benefits

PRODUCT DETAILS

What is the Merrill Rewards for Business™ Visa Signature ® card?

What is the Annual Fee for the Merrill Rewards for Business™ Visa Signature ® card?

How do I apply for the Merrill Rewards for Business™ Visa Signature ® card?

How many cards can I have on an account?

Can I get a card with just the company name?

What is the purpose of the Authorized Contact? Can there be more than one person designated?

Why are there separate account numbers and credit lines for each employee?

How are spending limits set on employees' cards?

Can I withdraw cash from ATMs using the Merrill Rewards for Business™ Visa Signature ® card?

Do I need to have a Merrill Lynch brokerage account to apply for the Merrill Rewards for Business™ Visa Signature ® card?

BENEFITS AND REWARDS

Is there a limit to the number of Merrill Points I can accumulate?

How long do I have to redeem Merrill Points?

Who earns the Merrill Points when cardholders spend?

What can Concierge help me with?

• Arrange business meetings
• Plan business lunches
• Send creative gift baskets and flowers
• Get concert, sport and theater tickets
• Arrange for professional speakers
• Suggest, select and purchase unique gifts for any occasion
• Arrange spa appointments or golf tee times

STATEMENTS AND BILLING

How is each employee's spending reflected in my Merrill Rewards for Business™ Visa Signature ® card statement?

Can I view my employees' Merrill Rewards for Business™ Visa Signature ® card activity online?

How do employees' access their activity?

How can I pay my bills?

Can the business remit one check to pay all of the accounts each month?

Can the statements be sent to different addresses?

Can I make payments at a Bank of America branch?

Privacy Policy Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and member SIPC , and other subsidiaries of Bank of America Corporation.

This credit card program is issued and administered by FIA Card Services, N.A.

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Travel Rewards Credit Cards

Our Bank of America® travel rewards credit cards can get you closer to your next vacation.

From flexible travel points to cruise rewards to vacation packages or air miles, we've got a travel or cruise line credit card that's right for you. Start planning your next trip by applying for a Bank of America® travel rewards credit card online today.

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Bank of America ® Customized Cash Rewards

$200 online cash rewards bonus offer and 3% cash back in the category of your choice.

No annual fee †

Show More Show Less Bank of America ® Customized Cash Rewards credit card

• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases Calculate rewards
• Choose which category you want to earn 3% cash back in: gas and EV charging stations ; online shopping, including cable, internet, phone plans and streaming ; dining; travel; drug stores and pharmacies; or home improvement and furnishings. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same .
• 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% .
• Bank of America Preferred Rewards ® members earn 25%-75% more cash back on every purchase. That means the 3% choice category could earn 3.75% - 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% - 3.50% , for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% - 1.75% . Not enrolled? Learn more about Preferred Rewards Cash Rewards .
• This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards credit card

Bank of America ® Unlimited Cash Rewards

$200 online cash rewards bonus offer, show more show less bank of america ® unlimited cash rewards credit card.

• Earn unlimited 1.5% cash back on all purchases Calculate rewards
• 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 your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After that, 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% .
• Bank of America Preferred Rewards ® members earn 25%-75% more cash back on every purchase. That means you could earn 1.87% - 2.62% cash back on every purchase. Learn More About Preferred Rewards .

† Terms & Conditions  for Bank of America ® Unlimited Cash Rewards credit card

BankAmericard ®

Save on interest, show more show less bankamericard ® credit card.

• 0% Intro APR † for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24% - 26.24% 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% .
• No Penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply † .
• Access your FICO ® Score for free within Online Banking or your Mobile Banking app.

† Terms & Conditions  for BankAmericard ® credit card

Bank of America ® Travel Rewards

25,000 online bonus points offer (a $250 value) and no annual fee †.

No annual fee †  and no foreign transaction fees †

Show More Show Less Bank of America ® Travel Rewards credit card

• 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 Calculate rewards
• Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases
• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 1.87 to 2.62 points for every $1 you spend, everywhere, every time. Not enrolled? Learn more about Preferred Rewards Travel Rewards

† Terms & Conditions  for Bank of America ® Travel Rewards credit card

Bank of America ® Premium Rewards ®

60,000 online bonus points offer — a $600 value.

Low $95 annual fee † and no foreign transaction fees †

Show More Show Less Bank of America ® Premium Rewards ® credit card

• Earn unlimited points , that don't expire as long as the account remains open – 2 points for every $1 spent on travel and dining purchases and 1.5 points per $1 on all other purchases . Calculate Rewards Premium Rewards
• Get up to $200 in combined Airline Incidental and TSA PreCheck ® /Global Entry Statement Credits. Plus, access to world class travel benefits: travel and purchase protections, luxury hotel collection and concierge service.
• Redeem for cash back as a deposit into Bank of America ® checking or savings accounts, for credit to eligible Merrill ® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center
• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend. Not enrolled? Learn more about Preferred Rewards Premium Rewards

† Terms & Conditions  for Bank of America ® Premium Rewards ® credit card

Bank of America ® Premium Rewards ® Elite

75,000 online bonus points offer — a $750 value.

$550 annual fee † and no foreign transaction fees †

Show More Show Less Bank of America ® Premium Rewards ® Elite credit card

• 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 points don't expire as long as the account remains open. Calculate Rewards Premium Elite Rewards
• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
• Get up to $550 in combined Airline Incidental, TSA PreCheck ® /Global Entry, and Lifestyle Statement Credits . Plus, a suite of luxury benefits to fit your lifestyle: full-service concierge, airport lounge and experience access, premier hotel amenities, travel and purchase protections.
• You choose how you want to be rewarded . Redeem points for travel, cash back, a statement credit, distinctive experiences or gift cards. Plus, save 20% on airfare when you pay with points through the Bank of America Travel Center.
• This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank . You can take advantage of this offer when you apply now.

† Terms & Conditions  for Bank of America ® Premium Rewards ® Elite credit card

Bank of America ® Customized Cash Rewards for Students

3% cash back in the category of your choice, show more show less bank of america ® customized cash rewards credit card for students.

• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases. Choose which category you want to earn 3% cash back in: gas and EV charging stations ; online shopping, including cable, internet, phone plans and streaming ; dining; travel; drug stores and pharmacies; or home improvement and furnishings To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same .
• Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO ® Score for free within Online Banking or your Mobile Banking app.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards credit card for Students

Bank of America ® Unlimited Cash Rewards for Students

Start building your financial future while earning unlimited cash back, show more show less bank of america ® unlimited cash rewards credit card for students.

• Earn unlimited 1.5% cash back on all purchases with no limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open

† Terms & Conditions  for Bank of America ® Unlimited Cash Rewards credit card for Students

BankAmericard ® for Students

Save on interest, a great choice when you’re just starting out, show more show less bankamericard ® credit card for students.

• Your card comes with our $0 Liability Guarantee and chip technology for additional security when used at chip-enabled terminals

† Terms & Conditions  for BankAmericard ® Credit Card for Students

Bank of America ® Travel Rewards for Students

Start building your financial future.

No annual fee † and no foreign transaction fees †

Show More Show Less Bank of America ® Travel Rewards Credit Card for Students

• 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. Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases.
• 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of your account opening

† Terms & Conditions  for Bank of America ® Travel Rewards Credit Card for Students

Bank of America ® Customized Cash Rewards Secured

Help build your credit while earning 3% cash back in the category of your choice, show more show less bank of america ® customized cash rewards secured credit card.

• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases. Choose which category you want to earn 3% cash back in: gas and EV charging stations ; online shopping, including cable, internet, phone plans and streaming ; dining; travel; drug stores and pharmacies; or home improvement and furnishings. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
• Open your account with a security deposit ($200-$5,000) . Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Build up your credit history – use this card responsibly and over time it could help you improve your credit score.
• Your financial health. Our Priority. Bank of America – Outstanding Customer Satisfaction with Financial Health Support – Banking & Payments, 2 years in a row
• Secured card products are not eligible for a new account bonus offer, like a cash rewards bonus offer, and introductory APRs are not available.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards secured credit card

Bank of America ® Unlimited Cash Rewards Secured

Help strengthen or build your credit and earn unlimited cash back, show more show less bank of america ® unlimited cash rewards secured credit card.

• Build up your credit history — use this card responsibly and over time it could help you improve your credit score

† Terms & Conditions  for Bank of America ® Unlimited Cash Rewards secured credit card

BankAmericard ® Secured

Help establish, strengthen - or even rebuild your credit with a card that's simple and convenient, show more show less bankamericard ® secured credit card.

• Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line.
• We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Secured card products are not eligible for a new account bonus offer, like a statement credit, and introductory APRs are not available.

† Terms & Conditions  for BankAmericard ® secured credit card

Bank of America ® Travel Rewards Secured

Help strengthen or build your credit and earn unlimited points, show more show less bank of america ® travel rewards visa ® secured credit card.

• 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. Use your card to book your trip how and where you want with no black out dates and pay yourself back with a statement credit towards travel and dining purchases.
• Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Build up your credit history — use this card responsibly and over time it could help you improve your credit score.
• Secured card products are not eligible for a new account bonus offer, like a bonus points offer, and introductory APRs are not available.

† Terms & Conditions  for Bank of America ® Travel Rewards Visa ® secured credit card

Alaska Airlines Visa Signature ®

Limited time online offer: 60,000 bonus miles plus alaska's famous companion fare™, show more show less alaska airlines visa signature ® credit card.

• 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of your account opening. Get an additional 2,500 bonus miles when you add a cardholder as an authorized user in the first 90 days of account opening. Plus, celebrate your account anniversary with Alaska's Famous Companion Fare™ every year that you spend at least $6,000 on purchases with your card.
• Free checked bag for any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation. Plus you'll enjoy priority boarding when you pay for your flight with your card , so you can get to your seat quicker.
• Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases including rideshare. Earn unlimited 1 mile per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all miles earned on card purchases if you have an eligible Bank of America ® account.
• Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
• This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

† Terms & Conditions  for Alaska Airlines Visa Signature ® Credit Card

Susan G. Komen ® Customized Cash Rewards credit card

Help fight breast cancer and get a $200 online cash rewards bonus offer, show more show less susan g. komen ® customized cash rewards credit card.

• 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and 1% cash back on all other purchases Calculate rewards Cash Rewards
• Bank of America Preferred Rewards ® members earn 25%-75% more cash back on every purchase. That means the 3% choice category could earn 3.75% - 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% - 3.50% , for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% - 1.75% . Not enrolled? Learn more about Preferred Rewards

† Terms & Conditions  for Susan G. Komen ® Customized Cash Rewards credit card

Free Spirit ® Travel More World Elite Mastercard ®

Online offer: 50,000 bonus points + a $100 companion flight voucher.

$0 introductory annual fee for the first year. After that it's just $79 †

Show More Show Less Free Spirit ® Travel More World Elite Mastercard ®

• Earn 3 points per $1 spent on eligible Spirit purchases, 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other purchases
• Earn 50,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening
• Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior anniversary year
• No limit to the points you can earn, no points expiration as long as your card account is open, and no redemption fees as a primary cardholder

† Terms & Conditions  for Free Spirit ® Travel More World Elite Mastercard ®

Allways Rewards Visa ®

Online offer: 25,000 bonus points.

Low $59 annual fee † and no foreign transaction fees †

Show More Show Less Allways Rewards Visa ® card

• Winner: Best Airline Credit Card , USA Today's 10Best Readers Choice Awards!
• Online Offer: Earn 25,000 Bonus Points – equal to $250 off a future Allegiant trip when you redeem points, after you make $1,000 or more in purchases within the first 90 days of account opening
• 3 points per $1 on Allegiant purchases, 2 points per $1 on qualifying dining purchases and 1 point per $1 on all other purchases
• No blackout dates, no destination restrictions and no minimum points redemption

† Terms & Conditions  for Allways Rewards Visa ® card

Air France KLM World Elite Mastercard ®

Online offer: 50,000 bonus miles after qualifying purchases.

Low $89 annual fee † and no foreign transaction fees †

Show More Show Less Air France KLM World Elite Mastercard ®

• Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening
• 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases
• 1.5 Miles per $1 spent on all other purchases
• Get 60 XP upon approval to help advance to the next status for more generous perks

† Terms & Conditions  for Air France KLM World Elite Mastercard ®

Royal Caribbean Visa Signature ®

Online offer: 25,000 bonus points, show more show less royal caribbean visa signature ® credit card.

• Get 25,000 MyCruise ® bonus points after making at least $1,000 in purchases in the first 90 days of your account opening, worth $250 in onboard credit
• Earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises ® and Silversea ®
• Earn 1 MyCruise point for every $1 spent on all other purchases
• Redeem your points for onboard credit, stateroom upgrades and cruise vacations on Royal Caribbean ® and our sister brand, Celebrity Cruises ®

† Terms & Conditions  for Royal Caribbean Visa Signature ® Credit Card

Norwegian Cruise Line ® World Mastercard ®

Online offer: 20,000 bonus points, show more show less norwegian cruise line ® world mastercard ®.

• Online Offer: 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening. That's enough for a $200 onboard credit or $200 off your next Norwegian cruise .
• Earn 3 WorldPoints ® points per $1 spent on Norwegian purchases, 2 WorldPoints points per $1 spent on eligible air and hotel purchases and 1 WorldPoints point per $1 spent on all other purchases
• Redeem points for hundreds of rewards like cash, gift cards, hotels stays, car rentals or Norwegian redemptions
• Bank of America Preferred Rewards ® members earn a 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1. Not enrolled? Learn more about Preferred Rewards Travel Rewards

† Terms & Conditions  for Norwegian Cruise Line ® World Mastercard ®

Celebrity Cruises Visa Signature ®

Show more show less celebrity cruises visa signature ® credit card.

• Earn 2 MyCruise ® points for every $1 spent on qualifying purchases with Celebrity Cruises ® and our sister brands, Royal Caribbean ® and Silversea ®
• Redeem your points for onboard credit, stateroom upgrades and cruise vacations on Celebrity Cruises ® , and our sister brands, Royal Caribbean ® and Silversea ®

† Terms & Conditions  for Celebrity Cruises Visa Signature ® Credit Card

Preferred Rewards makes your credit card even better

When you enroll in the Preferred Rewards program, you can get a 25% — 75% rewards bonus on all eligible Bank of America ® credit cards.

Plus, as a Preferred Rewards member, you enjoy real benefits and rewards on your everyday Bank of America ® banking and Merrill investment accounts. And as your qualifying balances grow, so do your benefits.

Learn more about Preferred Rewards

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4 Reasons to Get the Bank of America Premium Rewards Card

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. 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 .

The Bank of America® Premium Rewards® credit card is best known for the perks it offers to Bank of America® Preferred Rewards members — i.e. customers who keep three-month average combined balances of at least $20,000 or more in their Bank of America® or Merrill Lynch investment accounts.

These customers not only get benefits like discounted auto loan rates and higher interest rates on their savings, they also earn 25% to 75% more points with the Bank of America® Premium Rewards® credit card . The rewards boost depends on the cardholder’s Preferred Rewards program tier:

Gold level Preferred Rewards members get a 25% boost on the Bank of America Rewards ® points they earn by using the card.

Platinum members get a 50% boost on the number of points they earn.

Platinum Honors Preferred Rewards members get a 75% boost.

» Learn more: Bank of America® Premium Rewards review: Big bonuses for B of A’s best customers

Those are eye-catching benefits for customers who already have tens of thousands of dollars sitting in Bank of America® or Merrill Lynch accounts. But folks who don’t might wonder if this card is for them.

The Bank of America® Premium Rewards® credit card has benefits that might still be attractive to people who keep most of their money in 401(k)s or even sofa cushions. Though the card carries a $95 annual fee, it may still be worth having. Here are a few of the reasons why you might want a Bank of America® Premium Rewards® credit card .

Why get the Bank of America® Premium Rewards® credit card ?

1. flexible redemptions.

If you don’t like to commit to using your rewards for travel, the Bank of America® Premium Rewards® credit card gives you flexibility. If you want to use your points to purchase travel through the Bank of America® Travel Center, you can. Don’t feel like traveling? That’s fine because most anything you could purchase with the card can be paid for with points when you use them for a statement credit.

You can also use your points for cash back in the form of a deposit to a Bank of America® checking or savings account. You can redeem points for a credit to an eligible Merrill Edge® or Merrill Lynch® account, including 529 accounts. Or you can use points for gift cards.

2. Up to $200 in travel statement credits

Use your Bank of America® Premium Rewards® credit card to pay for seat upgrades on a flight and Bank of America® will automatically subtract up to $100 of the cost from your bill. Checked bag fees, in-flight purchases and even paid access to airport lounges work the same way: Every year, Bank of America® will take up to $100 of those travel charges off your credit card bill.

The card also offers a $100 TSA PreCheck or Global Entry fee credit every four years.

» Learn more: The most valuable perks of the Bank of America® Premium Rewards® credit card

3. A welcome bonus worth several hundred dollars

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. Plus, you’ll earn 2 points per $1 spent on dining and travel and 1.5 points per $1 on all other purchases.

4. No foreign transaction fees

Some cards charge up to 3% for transaction charged abroad. The Bank of America® Premium Rewards® credit card does not. For anyone who might travel outside of the U.S., this is a valuable feature.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Planning a trip? Check out these articles for more inspiration and advice: Find the best travel credit card for you Best Bank of America credit cards Bank of America vs. Chase: Which is best for you?

On a similar note...

• Compare the Best Credit Cards With Travel Insurance
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• Why You Should Trust Us

The Best Credit Cards With Travel Insurance in 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: U.S. Bank Altitude® Reserve Visa Infinite® Card, Marriott Bonvoy Bold® Credit Card. The details for these products have not been reviewed or provided by the issuer.

A credit card's travel insurance feature may not sound as exciting as a 100,000-point sign-up bonus or a high earning rate on everyday spending — but when you find yourself in a bind, it can be significantly more valuable.

Here's everything you need to know about credit card travel insurance, along with the best credit cards offering the most comprehensive coverage.

Compare Credit Cards With Travel Insurance

Best credit cards for trip delay insurance.

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

Earn 75,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
• con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.

19.99% - 29.99% variable

Earn 75,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections
• con icon Two crossed lines that form an 'X'. High annual fee
• con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Earn 1-5x points on purchases

21.24% - 28.24% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Substantial welcome bonus and great earning opportunities, especially with mobile wallets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $325 annual travel and dining credit can offset most of the $400 annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Top-notch travel insurance and protections
• con icon Two crossed lines that form an 'X'. You must have an existing relationship with US Bank to be approved
• con icon Two crossed lines that form an 'X'. Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included
• con icon Two crossed lines that form an 'X'. No airline or hotel transfer partners

The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium credit card with benefits that have no trouble offsetting the annual fee. One of its most unique (and valuable) qualities is its ability to earn 3x points on all purchases made through a mobile wallet, so if you use payment methods like Apple Pay or Samsung Pay, you'll have no problem accruing points in a hurry.

• The information related to the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected by Business Insider and has not been reviewed by the issuer.
• Earn 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
• Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards
• Earn 3X points for every $1 on eligible travel purchases and mobile wallet
• Earn 1X point per $1 spent on all other eligible net purchases
• Use your mobile device to instantly redeem points for almost any purchase

Best Credit Cards for Rental Car Insurance

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

See Pay Over Time APR

Earn 80,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
• con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
• con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best Credit Cards for Trip Cancellation/Interruption Insurance

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

21.49% - 28.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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, 75,000 points are worth $937.50 toward travel.
• 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.

Best Credit Cards for Lost Luggage Reimbursement

Best credit cards for travel accident insurance.

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

Earn 30,000 bonus points

• 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. Cardholders get 15 elite night credits toward status
• con icon Two crossed lines that form an 'X'. Only offers strong rewards for Marriott purchases

The Marriott Bonvoy Bold® Credit Card comes with an increased limited-time welcome bonus and good perks for a no-annual-fee card, but unless paying an annual fee is a dealbreaker for you, other Marriott cards — like the Marriott Bonvoy Boundless® Credit Card , Marriott Bonvoy Brilliant® American Express® Card, or Marriott Bonvoy Business® American Express® Card — are a better deal.

Best Credit Cards for Emergency Evacuation Coverage

Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.

21.99% - 28.99% Variable

Earn 80,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great intro bonus offer
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. If you want United Club membership, this card gets you it for less than buying it outright
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get two free checked bags on United
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 4x miles on United® purchases
• con icon Two crossed lines that form an 'X'. Steep annual fee, especially for an airline credit card
• con icon Two crossed lines that form an 'X'. The non-United bonus categories (travel and dining) only earn 2x miles

While a few of the best travel credit cards are great for United flyers, the United Club℠ Infinite Card is the most high-end of the bunch. Not only does it offer a full United Club airport lounge membership, but it can also help you rack up the miles for free trips quickly through everyday spending.

• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Best Credit Cards With Trip Delay Insurance

Trip delay insurance covers you (and often family members traveling with you) for expenses like meals, transportation, lodging, medication, and toiletries. For example, if your flight is delayed by more than six hours, your card may reimburse you up to $500 in "reasonable expenses" such as:

• An Uber or taxi from the airport to a hotel
• A one-night hotel reservation
• Dinner at a nearby restaurant

I've used this benefit a handful of times, and it's saved me hundreds. Just note that you must use your qualifying card to pay for your fare — even if that means simply paying taxes and fees on an award flight.

Trip delay insurance applies to more than just flights. You're eligible for coverage whenever you book a "common carrier" — defined as "any land, water, or air conveyance that operates under a valid license to transport passengers for hire and requires purchasing a ticket before travel begins." As long as it's not a taxi, limo, commuter rail, bus, or rental car, you're likely covered.

Below are the top three credit cards for trip delay insurance. Even if you don't travel regularly, you should be using one of these cards to reserve your travel, because trip delay insurance will come in handy sooner or later.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is the gold standard of trip delay insurance. After just six hours of delay — or any delay that requires an overnight stay — you're eligible for up to $500 in covered expenses per ticket. You and those traveling with you (a spouse and dependent children under 22) are covered.

The Chase Sapphire Reserve charges a $550 annual fee, but it also comes with valuable travel benefits such as:

• Up to $300 in annual travel credits (offsets the first $300 in travel you purchase each year with the card)
• Airport lounge access (Priority Pass Select, Chase Sapphire lounges , and the Chase Sapphire Terrace at Austin airport )
• Up to $100 NEXUS, Global Entry, or TSA PreCheck application fee credit
• Complimentary two-year Lyft Pink All Access membership

You'll also earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth $1,350 in travel, based on Personal Finance Insider's valuation of Chase Ultimate Rewards® points at 1.8 cents each.

Chase Sapphire Reserve Credit Card Review

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is Capital One's first premium travel credit card . It's a Visa Infinite card (similar to the Chase Sapphire Reserve®), and benefits from extremely generous trip delay insurance***. You'll get up to $500 per ticket in covered expenses after a delay of six hours or more. Those eligible for this insurance are your spouse and dependent children under age 22.

The card has a welcome bonus offer of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. That's worth $1,275 in travel, based on our valuation of Capital One miles. In addition, it also comes with travel perks like:

• $300 per year in credits toward Capital One Travel bookings
• Priority Pass, Plaza Premium, and Capital One airport lounge access
• 10,000-mile bonus each account anniversary
• Access to the Capital One Premier Collection luxury hotel booking program
• Global Entry or TSA PreCheck application fee credit

Capital One Venture X Rewards Credit Card Review

U.S. Bank Altitude® Reserve Visa Infinite® Card

The U.S. Bank Altitude® Reserve Visa Infinite® Card is another one of the few Visa Infinite cards on the market. As you'd expect, it's got excellent trip delay insurance. You'll receive up to $500 per ticket in coverage for expenses like meals and lodging (that aren't reimbursed by the airline or other "common carrier") when your trip is delayed more than six hours or requires an overnight stay.

The U.S. Bank Altitude® Reserve Visa Infinite® Card comes with 50,000 points after you spend $4,500 on purchases in the first 90 days of account opening. These points are worth 1.5 cents each when you use them toward travel. That means this bonus is worth $750. You'll also get benefits like:

• Up to $325 in annual travel credits
• Up to $100 in statement credits toward Global Entry and TSA PreCheck
• Up to 30% discount on Audi on Demand (formerly Silvercar) rentals

U.S. Bank Altitude Reserve Review

You might already know that most travel credit cards offer some form of rental car insurance. It's a great benefit because it can save users significant money in the case of damage or theft to your rental. Even by renting a car for just a few days, you could save $50+ by waiving the rental agency's in-house insurance CDW and instead covering your rental by paying with this card.

Two kinds of rental car insurance come with many popular cards:

• Secondary insurance — Offers coverage benefits that are secondary to your personal auto insurance policy. In the event of damage due to theft or collision, car renters still have to file a claim through their personal auto insurance policy, and the secondary insurance is there to cover a portion of leftover costs. So, although this is a nice perk, it doesn't ease the sting of having to report to your personal insurance — often with resultant premium hikes.
• Primary insurance — Coverage for loss or damage will be taken care of by the credit card company without you having to make a claim with your personal policy. In the long run, this could save a car renter significantly on both CDW and LDW, and it could help avoid raising premiums on their personal auto policy.

Primary rental car insurance is what you want. You must pay for the entire transaction with the credit card you'd be filing the insurance under. Some cards even require that renters book the entire trip on the card, so read the fine print carefully.

Primary insurance also generally doesn't include liability, damage to other cars, damage to personal property, personal bodily injury, or injury to others. See Personal Finance Insider's guide to liability car insurance for more details on this type of coverage.

Below are the top three credit cards for car rental insurance.

The Chase Sapphire Reserve® comes with up to $75,000 for theft and collision for rental cars in the U.S. and abroad.

You'll be extra motivated to make this card your dedicated car rental payment method because it earns 10 points per dollar for this expense when reserving through the Chase Travel ℠ Portal . Personal Finance Insider estimates Chase points value to be 1.8 cents each when used for travel — so earning 10x points equates to an 18% return.

When booking outside the portal, you'll earn 3 points per dollar for travel including rental cars.

The Capital One Venture X Rewards Credit Card is another rewards-earning monster when it comes to car rentals. Not only will you receive primary rental car insurance***, but you'll earn 10 miles per dollar on rental cars booked through the Capital One Travel Portal . You'll earn 2 miles per dollar for travel booked outside the portal.

The Platinum Card® from American Express

The Platinum Card® from American Express doesn't offer primary rental car insurance by default. However, you can receive primary premium car rental protection for a flat rate between $15.95 and $24.95 per rental period (not per day). It's not free like the other insurances on this list, but premium rental car benefits may fit your situation better:

• You'll be covered for up to 42 consecutive days, whereas most other cards won't allow your rental to exceed 31 consecutive days.
• You're insured for up to $100,000 of primary coverage against damage or theft — a higher number than several other cards.

You can enroll your Amex Platinum and automatically be covered whenever you rent a car. You'll be charged this flat rate whenever you pay for a rental with your card.

This card has a $695 annual fee — but it also offers 80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership. That's worth $1,440 in travel per our valuation of Amex points. You'll also find travel perks such as:

• Up to $200 in airline fee credits each calendar year**
• Up to $100 in Saks Fifth Avenue credits each calendar year**
• Global Entry or TSA PreCheck application fee credit ($100 statement credit every 4 years for a Global Entry application fee or up to $85 statement credit every 4.5 years for TSA PreCheck®)
• $189 per year in credits for CLEAR® Plus membership**
• Up to $200 in annual credits toward prepaid hotel bookings through Amex Fine Hotels and Resorts or The Hotel Collection (minimum two-night stay)

American Express Platinum Card Review

Trip cancellation/interruption insurance protects you if you're no longer able to go on a covered trip or your covered trip is interrupted mid-travel for reasons such as:

• Your airline declared bankruptcy and cancels your flight
• One of your immediate family members dies
• There's a terrorist incident

This coverage will reimburse you for prepaid nonrefundable travel such as airfare, hotel stays, activities, etc. which you can't use (or finish). Additionally, you may be reimbursed for an unexpected flight back home.

The Chase Sapphire Reserve® will reimburse you for up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses like plane tickets, hotel reservations, cruises, etc. Chase states that if your name is embossed on the card, you and your immediate family are all covered under this benefit. That means authorized users can utilize this benefit, as well as the primary cardholder.

The Capital One Venture X Rewards Credit Card can reimburse you, your spouse, and your children up to $2,000 each for prepaid, non-refundable travel expenses like plane tickets, hotel bookings, etc. This is a significantly smaller per-person payout than the Chase Sapphire Reserve® — but there doesn't appear to be a hard cap on how much you can earn.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers a trip cancellation/interruption reimbursement of up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses like plane tickets, hotel reservations, and hotels. That's part of what makes both Chase Sapphire cards excellent options for travel insurance.

The Chase Sapphire Preferred® Card is the single best beginner points credit card. Its annual fee is reasonable at $95 per year, and it manages to offer many similar travel protections as much more expensive credit cards.

In terms of return rates, this card earns:

• 5 points per dollar on Lyft rides through March 2025
• 5 points per dollar on all travel purchased through Chase Ultimate Rewards
• 3 points per dollar on dining, including eligible delivery services, takeout, and dining out 
• 3 points per dollar on select streaming services
• 3 points per dollar on online grocery purchases  (excluding Target, Walmart, and wholesale clubs)
• 2 points per dollar on other travel 
• 1 point per dollar on everything else

You'll also receive perks like up to $50 in annual statement credits toward hotel stays booked through Chase and a 10% anniversary point bonus (based on the dollar amount you spend).

The Chase Sapphire Preferred® Card is currently offering a welcome bonus of  75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth an average of $1,350 in travel, based on Personal Finance Insider's points and miles valuations.

Chase Sapphire Preferred Card Review

If your carry-on or checked baggage goes missing — or if the airline, cruise ship, or other common carrier damages your belongings, this coverage could reimburse you up to a specified amount. Card issuers tend to price your belongings as the lesser of the following:

• The original purchase price of your items
• The actual cash value of your items when they were lost
• The cost to replace those items

You must pay for your trip with an eligible card to be covered. Below are the three best credit cards for lost luggage reimbursement.

This card will give you up to $3,000 per person if you or an immediate family member check or carry on luggage that is damaged or lost.

If you or an immediate family member's check or carry-on luggage is damaged or lost, the Capital One Venture X Rewards Credit Card will cover you for the difference between the "value of the amount claimed" and the common carrier's compensation, up to $3,000 per covered trip.

The U.S. Bank Altitude® Reserve Visa Infinite® Card provides up to $3,000 per person if you or an immediate family member check or carry on luggage that is damaged or lost — again, calculated by the difference between the "value of the amount claimed" and the common carrier's payment.

Ideally, you'll never find occasion to use any  credit card travel insurance. But this is the one to really hope will never come in handy.

Travel accident insurance covers you for things like dismemberment and death during your trip (most commonly, while you're riding as a passenger in, or entering/exiting, a licensed common carrier like an airplane or a cruise ship). Some of the best cards will pay up to $1 million. The payout you'll receive depends on the severity of the accident.

Generally, you'll get 100% of the benefit amount for things like:

• Loss of life
• Loss of speech and hearing
• Loss of speech/hearing and loss of a hand, foot, or sight from one eye
• Loss of sight in both eyes
• Loss of a combination of any two of a loss of hand, foot, or sight of one eye

You'll get 50% of the benefit amount for things like:

• Loss of one hand
• Loss of one foot
• Loss of sight in one eye
• Loss of speech
• Loss of hearing

You may also get 25% of the benefit amount for the loss of a thumb and index finger of the same hand. Credit card benefits vary by product and issuer, so be sure to read all the fine print.

Below are the top three credit cards for travel accident insurance. Remember, you must pay the entire cash portion of your travel with these cards to be covered.

The Chase Sapphire Reserve® is one of the few cards that will give you up to $1 million of accidental death or dismemberment coverage under this benefit. That's double the coverage of most other cards. You'll get:

• $1 million for common carrier travel accident insurance
• $100,000 for 24-hour travel accident insurance

If your name is embossed on the card you've used to pay for your travel, you and your immediate family are covered.

The Capital One Venture X Rewards Credit Card is another (rare) card that will cover you for up to $1 million of accidental death or dismemberment insurance.

It does not appear that immediate family traveling with you will receive this benefit — so while the potential payout is the best in the game, you may want to opt for a smaller benefit amount with more widespread coverage.

Marriott Bonvoy Bold® Credit Card

The Marriott Bonvoy Bold® Credit Card incurs no annual fee, yet offers travel accident insurance with some of the best cards on the market. You'll get up to $500,000 in coverage:

• $500,000 for common carrier travel accident insurance

With this card, you'll earn: 

• 3x points* at participating Marriott Bonvoy hotels
• 2x points on other eligible travel purchases
• 1 point per dollar on all other eligible purchases

Other than that, the card doesn't offer an immense value proposition — its best benefit is the 15 Marriott elite night credits each calendar year, which can help you to achieve Marriott elite status much more quickly. But if you're looking for a no-annual-fee travel credit card with insurance, it's definitely worth a look.

Marriott Bonvoy Bold Credit Card Review

If you're injured or otherwise incapacitated and need to be evacuated, this coverage would reimburse expenses such as:

• Any land, water, or air transportation you require
• Medical services
• Medical supplies that are necessary related to your emergency evacuation

The benefit often requires that you be at least 100 miles from home. Additionally, if you're hospitalized for a certain period of time (usually more than eight days), the benefit can reimburse a round-trip coach ticket for a friend or relative to come to see you. As ever, benefits vary from card to card.

Below are the three best credit cards for emergency evacuation and transportation coverage.

The Platinum Card® from American Express covers you, your spouse/domestic partner, and legally dependent children for emergency evacuation and related emergency medical services, no matter how much it costs. Your trip must not exceed 90 days.

If a child under 16 is unaccompanied as a result of the emergency, this benefit will pay for a coach flight to get them home — and even pay for them to be escorted if necessary.

This card will cover up to $100,000 for you, your spouse/domestic partner, and/or legally dependent children for emergency evacuation and related emergency medical services. If your name is embossed on the front of the card, you can take full advantage of this perk.

Also, if you die during your trip, you are covered for $1,000 for your remains to be repatriated to your home country.

United Club℠ Infinite Card

The United Club℠ Infinite Card will cover up to $100,000 for you, your spouse/domestic partner, and/or legally dependent children for emergency evacuation and related emergency medical services.

The United Club℠ Infinite Card comes with an annual fee of $525, but that's easily offset by its ongoing benefits, such as:

• Full-fledged United Club membership (worth $650 per year)
• Free first and second checked bags on United flights (when you pay any cash portion of your ticket with this card)
• Priority boarding on United flights
• Premier Access travel services
• Global Entry, TSA PreCheck, or NEXUS application fee credit
• Complimentary Premier upgrades
• Expanded access to United award flights

This card also earns:

• 4 miles per dollar on eligible United purchases
• 2 miles per dollar on travel
• 2 miles per dollar on dining
• 1 mile per dollar on everything else

United Club Infinite Card Review

Different Types of Credit Card Travel Insurance Coverage

Before we jump into the best credit cards with travel insurance, let's examine some important definitions. Several types of protections fall under the umbrella of travel insurance:

• Trip delay insurance — If your covered trip is delayed by a specified number of hours due to a covered reason,  this will cover expenses like meals and lodging (up to a specified maximum).
• Baggage delay insurance —  This coverage provides reimbursement for essentials like clothes and toiletries if your luggage is delayed on a covered trip. 
• Trip cancellation/interruption insurance — This protects you if you're no longer able to go on a covered trip or your covered trip is interrupted mid-travel for reasons such as illness, injury, weather, or a terrorist incident. This is the type of coverage you'd invoke if you needed to adjust your travel plans due to the ongoing coronavirus pandemic.
• Lost luggage insurance — If your carry-on or checked baggage goes missing, this coverage could reimburse you up to a specified amount.
• Rental car insurance — Many credit cards offer either primary or secondary car rental insurance, so you can waive the coverage offered for an additional fee when you rent a car. With primary car rental insurance, in the event of damage due to theft or collision, your credit card coverage will kick in before your personal insurance. With secondary insurance, the coverage kicks in after whatever other insurance is in place. Note that liability coverage isn't included in any credit card auto collision damage waiver.
• Travel accident insurance  — This is the kind of insurance you'll hopefully never have to use.
• Emergency evacuation insurance — If you're injured or otherwise incapacitated and need to be evacuated, this coverage would reimburse expenses such as a helicopter evacuation.

For these coverages to kick in, you'll have to pay for your travel with a card that offers trip insurance. In other words, if you book your flight and hotels with a debit card, you won't be eligible for coverage from your credit card.

On that same note, however, redeeming airline miles or bank points for your travel should not disqualify you from coverage — as long as you pay the taxes and fees with your eligible credit card.

Credit Card Travel Insurance Frequently Asked Questions

The Chase Sapphire Reserve® has the most comprehensive travel insurance, covering everything from trip cancellations and interruptions to delayed baggage.

Depending on the card, credit card travel insurance may cover non-refundable flights, delays, cancellations, missed connections, lost luggage, an illness that cuts your travel short, and various other misfortunes.

Most travel rewards credit cards offer some degree of travel insurance. For example, many American Express cards offer trip cancellation and interruption coverage. But the specifics can vary wildly from card to card. The big exception is Citi, which eliminated most elements of its travel coverage from cards several years ago. Don't reserve travel with a Citi card if you want any sort of insurance.

If you have one of the credit cards featured in this guide, you may not need an additional travel insurance policy. However, make sure you read the fine print of your credit card's benefits guides to make sure the travel coverage is sufficient for your needs — and so you don't have any unpleasant surprises like finding out you aren't eligible for coverage when it's too late. On the other hand, if you want some extra peace of mind, or if there's a good chance you may cancel your non-refundable trip, it's worth looking into supplementary travel insurance. 

As a general rule, credit card travel insurance applies to the cardholder and the cardholder's immediate family. Refer to your credit card's benefits guide for card-specific rules.

Each credit card travel insurance policy is different, so it's important to look at your specific card's benefits guide to make sure you know exactly what is and what is not covered. And when in doubt, don't be afraid to call the card issuer for clarification. Your credit card travel insurance won't cover a trip that you don't purchase with the card, though in some cases paying for a trip in full or in part with that card's rewards points will qualify you for coverage.

Why You Should Trust Us: How We Chose the Best Credit Cards for Travel Insurance

To come up with this list of the best credit cards for travel insurance, we first identified the different types of travel insurance benefits to focus on: trip delay insurance, rental car insurance, trip cancellation/interruption, lost luggage reimbursement, travel accident insurance, and emergency evacuation coverage. We selected the best credit card options for each type of travel insurance by looking through their specific benefits. 

Each credit card we review also has a numerical score out of 5. We arrive at each score by following our credit card rating methodology , which factors in rewards, the welcome bonus, annual fee, and more.

For rates and fees of The Platinum Card® from American Express, please click here.

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 .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

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

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EMA ® Access Visa ® Card

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Access to your EMA ® Account.

Wherever you're going, assistance is right there with you. Enjoy greater peace of mind when you travel, thanks to a wide range of services available 24/7.

No Annual Fee*

Simplify your financial management, and save a few dollars in the process. This powerful card is available to EMA account holders at no additional cost.

Monitor Individual Employee Purchases

Assign up to 99 employees an individual card number linked to your EMA. Gain quick and easy access to all account information so you can track purchases. Monthly statements display each employee's activity, making it easy to identify and classify transactions.

Cap Spending Limits

You can designate a spending limit for each employee, and you can adjust those limits as often as you wish.

Get Cash Most Anywhere

Convenient ATM cash access lets your account holders withdraw up to $500 per card per day, at ATM locations worldwide.

*Additional restrictions apply. Please refer to Program Details.

Our security promise to you

Merrill Lynch leads the way in addressing security and privacy concerns. Our financial services provide multiple layers of protection that include leading technology to protect your information on our computer systems, ongoing fraud monitoring to detect any unusual activity in your accounts, and responding quickly in an integrated manner to any reports of theft or fraud.

Your Merrill Lynch Card provides the complete protection you need. We not only take a determined approach in protecting you, but provide information to help you protect yourself and steps to take if you suspect there's a problem.

Merrill Lynch shares responsibility for protecting your privacy and personal information on our computer systems and we encourage you to protect yourself at home, at work - everywhere you go.

Zero Liability Fraud Protection

Visa's Zero Liability policy means 100% percent protection from unauthorized purchases regardless of where the transaction was made - at a store, on the Internet, by phone or by mail. Should someone steal the card number while you're shopping, online or off, you will pay nothing for the fraudulent activity.

Purchase Security 1

Buy with confidence. Purchase Security will replace, repair, or fully reimburse you up to a maximum of $10,000 per claim for most retail goods purchased entirely with your card in the event of loss, theft, damage, or fire.

1 Certain terms, conditions and exclusions apply.

Extended Protection 1

When you use your WCMA Business Access card, Extended Protection doubles the time period of the original manufacturer's warranty up to one full year. Even gifts are covered!

Purchase an item with your Visa Business Signature Rewards Deferred Debit Card, and within the first 90 days, replacement, repair or reimbursement is available in the event of theft or damage caused by fire, vandalism, accidentally discharged water and certain weather conditions. The maximum claim limit is $10,000 for eligible items of personal property. For more information, call 1.800.VISA.911 (847.2911).

Let us know when you're traveling

Unusual events that don't fit your profile such as transactions occurring in several countries in short succession may trigger a fraud alert. So please advise us of your travel dates and locations; it will reduce the chance that you will experience an interruption in service. Just call your Financial Advisor, or if you do not have one contact us at 1.866.4ML.BUSINESS (465.2874).

3-Digit Code

On the back of your Merrill Lynch Visa ® card you'll find a special 3-digit code (also called Cardholder Verification Value or CVV2) that you may be asked to provide if you're making a transaction online or on the phone. This safeguard measure ensures that you physically have your credit card with you and, in the event someone has stolen your card number (but not your actual physical card), they can't make any purchases.

Auto Rental Collision Damage Waiver 1

Offers rental vehicle coverage for damage due to collision or theft-at no additional charge-up to the cash value of most rental vehicles. Covers: Physical damage and theft of the vehicle, valid loss-of-use charges imposed by the rental agency , towing charges, due to covered loss, to the nearest qualified repair facility

Lost Luggage Service 1

Receive assistance with common carrier's claim procedures or arranging shipment of replacement items if an airline or common carrier loses your checked luggage.

Travel and Emergency Assistance 1

You, your spouse and children (dependents under 22 years old), can take advantage of a wide range of emergency services 24 hours a day, 7 days a week. Simply call 1.800.678.0868. If you are traveling outside of the United States, ask an internatinal operator to connect you to +1.614.823.5161.

1 You must charge the trip to your EMA Access™ Visa ® Card to be eligible for this benefit. Visa Travel and Emergency Assistance Services provide assistance and referrals only. You are responsible for the cost of any actual medical or legal services, transportation, cash advance or other services or goods provided. Additional restrictions apply.

Travel Tips

Traveler's Checklist What to Do Before Going Abroad

• Photocopy your passport and driver's license and keep these separate from your travel documents. Photocopy the reverse side of your credit and debit cards, black out the card numbers, and record the card numbers to keep separately from the copies in a safe location. Give copies of everything to someone you can contact in case you need the information.
• Research passport and visa requirements, health and airline regulations and consulate locations.
• Make a list of all pertinent contact information, such as phone numbers for travel cancellations and car rentals. Include Merrill Lynch overseas contact numbers for lost or stolen cards, travel insurance benefits and customer service.
• Contact Merrill Lynch before you leave to advise of upcoming travel plans; this will help ensure your foreign charge transactions are accepted. Once overseas, should your charge be declined, call Merrill Lynch collect via the international operator. Telephone numbers are listed on the back of your card. Collect calls from hotels may incur a significant service charge, so consider using a pay phone.
• Convert your PIN to a four-digit number, as most foreign ATMs will not respond to PINs that are longer.
• Call Merrill Lynch to find out if charges on your credit or debit card will incur a foreign exchange transaction fee while you're abroad.
• Review all travel insurance terms and conditions carefully.

Reporting an Incident

If you suspect identity theft or fraud, it's important to act quickly so your financial institutions and law enforcement officials can respond accordingly. Please review the following steps to report an incident:

Step 1: Contact Merrill Lynch and other financial institutions.

• For Merrill Lynch, please call us at 1.866.4ML.BUSINESS (465.2874) or contact your Financial Advisor.
• For other financial institutions, call your standard customer service number and ask to speak to the security and fraud department.
• They will take down your information over the phone. Also, make sure you request a fraud dispute form. It is critical you report identity theft and fraud in writing.
• Keep a log of all your calls, with whom you spoke and in what department (including the date and time of the call).
• When the matter is resolved, ask your financial institution to send you a letter stating that your account has been closed and discharged.

Step 2: Notify your other financial institutions.

• It is recommended that you make your other financial institutions aware of your identity theft, in case your problem is more widespread than you originally thought.

Step 3: Contact the three credit bureaus.

• Equifax: 1.800.525.6285 or equifax.com
• Experian: 1.888.397.3742 or experian.com
• TransUnion: 1.800.680.7289 or transunion.com

Step 4: Notify the authorities about the theft/fraud.

• File a police report where you suspect the identity theft/fraud occurred.
• Ask to file a "miscellaneous incident" report. It is critical that you either obtain a copy of this report or get a copy of the report's number.
• File a report with the Federal Trade Commission (FTC), a government agency charged with protecting consumers. The FTC can share your theft report with law enforcement agencies for investigation purposes.
• Federal Trade Commission (consumer complaints): 1.877.ID.THEFT (438.4338) or consumer.gov/idtheft
• If your complaint is related to telemarketing fraud, contact your State Attorney General to report it.

Emergency Card Replacement

If you are alerted of a problem, or in the event of a lost card, we can have a new card in your hand within 24 hours. And, in most cases, we can also send emergency cash to you. Please call us at 1.800.MERRILL (637.7455) or contact your Financial Advisor.

To view your EMA ® Access Visa ® Card Program Details: Click here

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