bank of america travel rewards authorized user

How to use Bank of America travel rewards points

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Key takeaways

• The Bank of America travel rewards program can be lucrative and flexible, but the specifics of how you'll earn points in this program depend on which credit card you sign up for.
• Bank of America travel rewards points can generally be redeemed for eligible travel purchases, cash back and gift cards.
• Bank of America Preferred Rewards members can earn an additional 25 percent to 75 percent more in rewards for each dollar spent.

Many credit card issuers boast a lineup of rewards credit cards that let you earn cash back, points or miles on travel, and Bank of America is no exception. Although not as popular as travel credit cards from Chase or American Express, Bank of America travel cards can be rather lucrative and flexible — but the specifics will depend on which credit card you sign up for.

If you’re ready to give the Bank of America travel rewards program a chance, you should find out which Bank of America credit cards let you earn rewards for travel, which travel rewards benefits are offered and how to use Bank of America travel rewards points to your advantage.

Which Bank of America cards earn travel rewards?

The main two Bank of America travel rewards cards are the Bank of America® Travel Rewards credit card and the Bank of America® Premium Rewards® credit card . However, Bank of America also offers the Bank of America® Premium Rewards® Elite Credit Card * and the Bank of America® Travel Rewards credit card for Students .

Bank of America Travel Rewards credit card: Best for no annual fee

Card details.

• Welcome bonus : 25,000 online bonus points (a $250 statement credit value toward travel purchases) if you make $1,000 in purchases within 90 days of opening the account
• Rewards rate : Unlimited 1.5X points per dollar on all purchases
• Annual fee : $0
• Notable perks : No foreign transaction fees, flexible travel rewards

Bank of America Premium Rewards credit card: Best for occasional travelers

• Welcome bonus : 60,000 online bonus points (a value of $600) after spending $4,000 on purchases in the first 90 days
• Rewards rate : Unlimited 2X points per dollar on travel and dining; 1.5X points per dollar on all other purchases
• Annual fee : $95
• Notable perks : Up to $100 in statement credits per year for incidental airline expenses to cover eligible costs; up to a $100 statement credit toward Global Entry or TSA PreCheck application fees every four years; no foreign transaction fees

Bank of America Premium Rewards Elite Credit Card: Best for frequent travelers

• Welcome bonus : 75,000 online bonus points (a $750 value) after you make at least $5,000 in purchases in the first 90 days of account opening
• Rewards rate :Unlimited 2X points on dining and travel purchases; unlimited 1.5X points on all other purchases
• Annual fee : $550
• Notable perks : Up to $300 annually in airline incidental statement credits for qualifying purchases (like seat upgrades and baggage fees); up to $150 annually for eligible lifestyle conveniences (including video streaming services, food delivery, fitness subscriptions and rideshare services); up to a $100 statement credit toward Global Entry or TSA PreCheck application fees every four years; complimentary Priority Pass membership; 20 percent off on domestic or international airfare for any class when paid with points

Bank of America Travel Rewards Credit Card for Students: Best for students

• Welcome bonus : 25,000 online bonus points after spending $1,000 in purchases within the first 90 days of account opening
• Rewards rate : 1.5X points on all purchases
• Notable perks : No foreign transactions fees, flexible travel rewards

Which Bank of America travel cards do not earn travel rewards points?

Bank of America also offers a surprising number of co-branded travel credit cards that are geared to loyalists with specific brands. However, these cards do not earn Bank of America travel rewards points. These include:

• Alaska Airlines Visa® credit card
• Free Spirit® Travel More World Elite Mastercard®*
• Allways Rewards Visa® Credit Card*
• Royal Caribbean Visa Signature® card*
• Norwegian Cruise Line® World Mastercard®*
• Celebrity Cruises Visa Signature® card*
• Virgin Atlantic World Elite Mastercard® *
• Air France KLM World Elite Mastercard®*

When it comes to redeeming your Bank of America travel rewards, your options may vary depending on the card you have.

Bank of America Travel Rewards credit card and Bank of America Travel Rewards Credit Card for Students

With the Bank of America Travel Rewards credit card and the Bank of America Travel Rewards Credit Card for Students, you can use your points for:

• Cash back in the form of a check or direct deposit to an eligible Bank of America or Merrill account
• A statement credit to cover eligible travel-related purchases

Unlike with other travel rewards programs, you can use your eligible card to book travel with any eligible providers, and Bank of America’s list of qualifying travel purchases is extensive. In addition to airlines, hotels, car rentals and eligible transit, travel-related purchases also include purchases made with eligible cruise lines, parking garages, travel agencies, tourist attractions, art galleries, amusement parks and more.

From there, you can redeem your points for a travel credit statement through your Bank of America account. However, note that you’ll need at least $25 worth of points to redeem for a travel credit.

Bank of America Premium Rewards credit card

The Bank of America Premium Rewards credit card lets you cash in your rewards for:

• Travel bookings through the Bank of America Travel Center
• Cash back in the form of a statement credit or a direct deposit to an eligible Bank of America or Merrill account

Bank of America Premium Rewards Elite Credit Card

With the Bank of America Premium Rewards Elite Credit Card, you can redeem your points for:

• Travel, experiences, event tickets and more through Bank of America’s Concierge service

How to maximize Bank of America travel rewards points

To get the most of your travel rewards points with Bank of America, you should try to be as strategic as you can. When you go to redeem points, consider the ways you may be able to earn more points on your spending and any ways you can maximize your rewards .

Join the Bank of America Preferred Rewards program

One major way to earn more Bank of America travel rewards involves signing up for the Bank of America Preferred Rewards® program. Doing so can net you an additional 25 percent to 75 percent more in rewards for each dollar you spend. However, you do need to meet certain qualifications to enroll in this program, such as having:

• An active, eligible Bank of America checking account
• A three-month average combined balance of $20,000 or more in eligible Bank of America accounts and/or Merrill investment accounts

Also, keep in mind that the Bank of America Preferred Rewards program offers additional perks like savings boosters and loan discounts for members with cash on deposit. The following chart shows how much more you could earn in rewards as a member, as well as how much you need to keep in eligible accounts to qualify for each tier.

While the minimum balance requirements are high, the Bank of America Preferred Rewards program can help you earn considerably more points on your spending if you qualify. For example, Bank of America Premium Rewards credit card members in the Platinum Honors tier have the potential to earn up to 3.5X points for every dollar spent on travel and dining purchases and up to 2.62X points on other purchases.

Compare pricing in the travel portal

The Bank of America Travel Center lets you make travel bookings with over 200,000 hotels and resorts and more than 200 airlines, among other options. Since some Bank of America travel rewards credit cards let you redeem your points for either travel-related statement credits or travel booked through the Bank of America Travel Center, you should compare the prices offered in the travel portal with other travel sites. By comparing prices, you can make sure you get the best deal.

Decide whether a card with an annual fee is right for you

Finally, make sure to think about your goals before you sign up for a travel credit card from this issuer. It’s often tempting to just choose a card with no annual fee — and that might be the right move for you. However, a card with an annual fee typically comes with more benefits and perks. For example, when you pay the $95 annual fee for the Bank of America Premium Rewards card, you’ll get higher rewards rates on travel and dining spending, up to a $100 annual credit for incidental airline expenses to cover eligible costs and up to a $100 application fee credit toward Global Entry or TSA PreCheck membership every four years. All of this could easily make the annual fee worthwhile for some people.

The bottom line

Bank of America travel rewards can work differently depending on the card you sign up for, so make sure to compare the best rewards cards available before you decide on a card. In the meantime, spend some time comparing cards from this issuer to top travel rewards credit cards from other major issuers. You may find that Bank of America has what you’re looking for in a travel rewards card, but you’ll never know for sure unless you check.

*Information about the Free Spirit® Travel More World Elite Mastercard®, Allways Rewards Visa® Credit Card, Royal Caribbean Visa Signature® card, Norwegian Cruise Line® World Mastercard®, Celebrity Cruises Visa Signature® card, Virgin Atlantic World Elite Mastercard® and Air France KLM World Elite Mastercard® has been collected independently by Bankrate. Card details have not been reviewed or approved by the card issuer.

Information regarding Bank of America credit cards was last updated on January 5, 2024.

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Benefits of the Bank of America Travel Rewards Card

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

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

Here’s what to know about its benefits.

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

No annual fee

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

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

Versatile rewards

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

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

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Sign-up bonus

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

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

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

Preferred Rewards

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

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

No foreign transaction fees

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

0% intro APR offer

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

More about the card

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

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

on Chase's website

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

75,000 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℠.

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

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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Bank of America Premium Rewards Elite Credit Card – Full Review [2024]

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Bank of America ® Premium Rewards ® Elite Credit Card

75,000 points

20.24%-27.24% Variable

A premium rewards credit card with straightforward earning and redeeming, with luxury perks such as airport lounge access.

The Bank of America ® Premium Rewards ® Elite Credit Card is the bank’s most premium travel rewards credit card.

While it has quite a large annual fee of $550, it also comes loaded with benefits that frequent travelers are sure to love, such as airport lounge access, $450 in annual statement credits, travel protections, and a 20% boost to point value when redeeming for airfare.

Plus, those with status in the Bank of America Preferred Rewards program can really boost the value they receive from the card by earning 25% to 75% more points on all of their purchases.

Card Snapshot

Welcome bonus & info.

• 75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening
• Earn unlimited 2 points for every dollar spent on travel and dining purchases and unlimited 1.5 points per dollar on all other purchases. There’s no limit to the points you can earn, and points don’t expire.
• Receive up to $300 annually in Airline Incidental Statement Credits for qualifying purchases such as seat upgrades, baggage fees, airline lounge fees and in-flight services
• Save 20% on domestic or international airfare for any class when you pay with points
• Preferred Rewards members earn 25% to 75% more points on every purchase

Card Categories

Credit Card Reviews

• Travel Rewards Credit Cards
• 2x points per $1 on travel and dining purchases
• 1.5x points per $1 on all other purchases
• $300 annual airline incidental statement credit
• $150 annual lifestyle statement credit (streaming services, food delivery, fitness subscriptions, and rideshare services)
• Priority Pass lounge access
• Global Entry/TSA PreCheck credit
• No foreign transaction fees
• Travel protections
• Purchase protections
• Boost your rewards rate with the Bank of America Preferred Rewards program
• 20% boost to your point value when redeeming for airfare
• Visa Infinite benefits
• $550 annual fee
• No access to travel transfer partners to help you get outsized value for your points

Great Card If

• You want a card with a simple reward and redemption structure that also offers premium benefits such as airport lounge access
• You have status in the Bank of America Preferred Rewards program and can boost the number of rewards you earn with the card

Don’t Get If

• You want a card that offers access to airline and hotel transfer partners
• You’re not in the Bank of America Preferred Rewards program

Bank of America Premium Rewards Elite Card — Is It Worth It?

For those who are in the market for a premium travel rewards card that offers luxury perks, but without any headaches when it comes to redeeming your points, the Bank of America Premium Rewards Elite card would likely be well worth it for you.

It can be easy to scoff at the card at first when you see its $550 annual fee, but when you consider that it also offers $450 worth of annual statement credits, airport lounge access, Global Entry, Visa Infinite benefits , travel protections, and the ability to redeem your points for 20% more towards airfare, the value that most cardholders will receive from the card will far exceed the annual fee.

Further, the card is especially worth it for those who hold status in the Bank of America Preferred Rewards program, as they have the ability to boost the rewards they receive from the card by 25% all the way up to a whopping 75%!

Bank of America Premium Rewards Elite Card Top Benefits

Bank of america preferred rewards point boost.

The best way to take your Bank of America Premium Rewards Elite card to the next level is by holding status in the Bank of America Preferred Rewards program . This is because doing so allows you to boost the number of points you earn with your card anywhere from 25% to 75% depending on your level within the program.

Here is a look at what you need to qualify for, and the credit card rewards boost you receive, at each status level:

Travel and Lifestyle Benefits

$300 annual airline incidental credit.

Cardholders receive $300 each year in airline incidental statement credits to offset purchases made with airlines on expenses such as seat upgrades, baggage fees, inflight services, and airline lounge fees.

$150 Annual Lifestyle Credit

You’ll also receive a $150 credit each year towards lifestyle expenses such as streaming services, food delivery, fitness subscriptions, and rideshare services.

Priority Pass Lounge Access

With your card, you and up to 2 traveling companions can access over 1,400 Priority Pass airport lounges worldwide where you can enjoy free food and drinks, along with a spot to relax before your flight. This benefit is also extended to authorized users of the card.

20% Value Boost on Flight Redemptions

When you redeem your points towards any international or domestic airfare through the Bank of America Travel Center, you’ll receive a 20% bonus to their value, making your points worth 1.2 cents per point. This means that you could redeem 75,000 points towards $900 in airfare with any carrier!

Global Entry/TSA PreCheck Credit

While this benefit is offered on many cards, it can be a game-changer for those that don’t have it already. In comparing the 2, TSA PreCheck provides an expedited security experience at U.S. airports, while Global Entry helps you speed through customs when you return to the U.S. from abroad. That said, you’re best off opting for Global Entry as that membership includes TSA PreCheck as well, but TSA PreCheck alone does not include Global Entry.

Travel and Purchase Protections

The card also offers a plethora of travel and purchase protections to help keep you covered.

• Trip delay insurance provides coverage of up to $500 per ticket for you and family members for reasonable expenses if a covered trip is delayed for more than 6 hours
• Trip cancellation insurance provides coverage up to $2500 for non-refundable passenger fares if your trip is canceled or cut short by sickness or other covered situations
• Baggage delay insurance provides coverage of up to $100 per day (towards essential items such as clothing), for up to 5 days, when your bags are delayed for more than 6 hours
• Lost luggage insurance covers you for the cost of items, up to $3,000, in your luggage if it is lost or stolen due by the carrier
• Rental car insurance provides primary coverage for up to $75,000 towards damage to the rental car due to collision or theft
• Purchase protection provides coverage if an item purchased with the card is stolen or damaged within 90 days of purchase; you can receive coverage towards a repair or replacement for up to $10,000 per claim, and up to $50,000 per cardholder
• Extended warranty coverage doubles the time period of the manufacturers’ warranty, up to 1 additional year, for eligible items purchased with your card
• Return protection is offered if you’ve purchased an item up to 90 days ago and the retailer will not accept the return; you can receive coverage of up to $300 per eligible item and up to $1,000 annually

Best Ways To Earn and Redeem Your Bank of America Points

The best way to earn more points with your card is to use it for as many purchases as you can, especially since you’ll earn a minimum of 1.5x points per $1 on all purchases. However, if you really want to boost your earning potential then you will want to earn status in the Bank of America Preferred Rewards program, as this will help you earn 25% to 75% more points on all of your purchases.

When it comes to redeeming your points, the Bank of America rewards program is a fixed rewards program with all of your points being worth a set rate of 1 cent per point towards redemptions. However, Bank of America Premium Rewards Elite cardholders can redeem their points with a 20% bonus when redeeming for airfare through the Bank of America Travel Center — making this the best option when it comes to getting maximum value from your points!

Alternative Cards to the Bank of America Premium Rewards Elite Card

Chase sapphire reserve ®.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• 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 SM .
• $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 SM  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 SM . 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 TM  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
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: $0

Chase Ultimate Rewards

The Chase Sapphire Reserve card is another premium card that charges a $550 annual fee, but with it, you’ll earn 10x points on hotels and car rentals purchased through the Chase travel portal , 10x points per $1 on Chase Dining, 5x points per $1 on airfare purchased through the Chase travel portal, along with 3x points per $1 on all other travel and dining purchases worldwide.

The card also offers benefits such as a $300 annual travel credit, Priority Pass lounge access, travel and purchase coverage, and access to the Chase transfer partners . Your points are also worth 50% more towards travel purchases made through the Chase travel portal.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• 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 ®
• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

Capital One Miles

The Capital One Venture X card has many overlapping benefits but charges a much lower annual fee of $395. It earns 10x miles per $1 on hotels and rental cars booked through Capital One Travel , 5x miles per $1 on flights booked through Capital One Travel, and 2x miles per $1 on all other purchases.

Further, it offers up to $300 annual travel credit towards purchases through Capital One Travel, 10,000 annual bonus miles, access to Priority Pass lounges, Plaza Premium Lounges , and Capital One Lounges , cell phone protection , and access to airline and hotel transfer partners .

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America ® Premium Rewards ® Elite Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Does the bank of america premium rewards elite card have an annual fee.

Yes, the Bank of America Premium Rewards Elite card has an annual fee of $550.

Does the Bank of America Premium Rewards Elite card have lounge access?

Yes, the Bank of America Premium Rewards Elite card includes a Priority Pass Select membership which gives you and up to 2 traveling companions access to over 1,300 airport lounges worldwide.

What are the benefits of the Bank of America Premium Rewards Elite card?

The card offers several benefits to cardholders, including a $300 annual airline incidental credit, a $150 annual lifestyle credit, Priority Pass lounge access, travel and purchase protection, a Global Entry credit, and a 20% boost to the value of your points when redeeming for airfare.

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

For those who want a premium travel rewards card with luxury perks such as airport lounge access, but prefer a rewards program with easy redemption options, then the Bank of America Premium Rewards Elite card is an excellent option. Further, the card makes tons of sense for those that have status in the Bank of America Preferred Rewards program thanks to the credit card rewards boost you receive.

Does the Bank of America Premium Rewards Elite card have travel insurance?

Yes, the Bank of America Premium Rewards Elite card has baggage delay insurance, trip delay insurance, lost luggage insurance, primary rental car insurance, and trip cancellation insurance.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

How to use the Bank of America Premium Rewards card airline fee credit

The Bank of America® Premium Rewards® credit card continues to fly under the radar , despite having the potential to offer the highest base cash-back rate of any rewards credit card.

If you hold $100,000 or more in assets with Bank of America and/or Merrill, you qualify for Platinum Honors in Bank of America's Preferred Rewards® program . This gives you a 75% bonus on all rewards, equating to a minimum of 2.625 points per dollar on all purchases and 3.5 points per dollar on all dining and travel purchases.

The card is also currently offering 60,000 points after you spend $4,000 on the card in the first 90 days of account opening, and it carries a $95 annual fee.

How the Bank of America airline fee credit works

Bank of America's airline fee credit (up to $100 statement credit each calendar year) works a little differently from the airline incidental fee statement credit you get with Amex cards such as The Platinum Card® from American Express (see rates and fees ). Rather than have to designate an airline at the beginning of the year, Bank of America allows you to earn the credit across any eligible airline throughout the year. Enrollment is required for select benefits.

For example, you could use your Bank of America airline fee credit for checked bags on Delta one month and then inflight drinks on American the next. This gives you more flexibility to use your credit where you need it, rather than forcing you to guess which single airline you'll be able to use it on.

It can potentially take anywhere from two to three weeks for your credit to post to your card account. While there are plenty of instances where we've seen that take less, don't be alarmed if it does take the whole timeframe.

Another feature that Bank of America offers is the ability to check how much of your $100 airline credit you have used.

Which airlines qualify for the credit?

Bank of America does not have an official list published that outlines which airlines qualify for the incidental fee credit, though the terms and conditions do specify that only select U.S. carriers qualify. According to some readers, Spirit Airlines and Sun Country Airlines are excluded. The following airlines are known to work:

• Alaska Airlines.
• American Airlines.
• Delta Air Lines.
• Frontier Airlines.
• Hawaiian Airlines.
• Southwest Airlines.
• United Airlines.

That list is very similar to Amex's list of qualifying airlines (with the exception of Spirit Airlines, which the Amex fee does cover).

What purchases trigger the credit?

According to the Premium Rewards Card terms and conditions , the following purchases will trigger your Bank of America airline fee credit:

• Preferred seating upgrades.
• Ticket change/cancellation fees .
• Checked baggage fees.
• Inflight entertainment.
• Onboard food and drink charges.
• Airport lounge fees affiliated with eligible airline carriers.

The purchases have to be paid in full with your Bank of America Premium Rewards card, and they must be made on a flight originating from a domestic airport on a qualifying U.S. airline carrier.

The terms and conditions do explicitly state that the following purchases will not qualify for the credit:

• Airline tickets.
• Mileage point purchases.
• Mileage point transfer fees.
• Gift cards.
• Duty-free purchases.
• Award tickets and fees incurred with airline alliance partners.

Also keep in mind that inflight Wi-Fi access processed through a third party like Gogo likely will not qualify.

Of course, there are sometimes exceptions to this rule. There have been data points presented by readers and in other online forums where charges outside the official list have counted. Occasionally award booking taxes, first-class upgrades and other fees will end up coding as an eligible purchase for the credit.

However, we don't suggest counting on credit for fees that the credit isn't intended to cover — it's hit-or-miss at best and easier to just use the perk as intended. In the past, you could get away with buying gift cards on certain airlines with the credit, but issuers have cracked down to close that loophole .

Bottom Line

Airlines can change the merchant category code of a certain transaction, Bank of America could update what merchant codes and charges count, and airlines can change whether or not something is processed by a third party. This means what counts toward the credit will be a living list year-to-year based on what's currently working.

If you've charged what you believe to be a qualifying airline fee and it's not automatically reimbursed, you can call Bank of America and ask for the credit.

And if you hold the Bank of America Premium Rewards credit card, we'd love you to share your experience with us so we can keep the list up to date. Email [email protected] and mention this post.

For rates and fees of the Amex Platinum, click here .

Additional reporting by Ryan Wilcox and Richard Kerr.

Updated 12/06/2023.

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Credit Cards

I’m an expat, and here’s why I love my Bank of America Travel Rewards card

Kelly Dilworth

Allie Johnson

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

Robin Saks Frankel

Published 5:24 a.m. UTC May 8, 2024

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VioletaStoimenova, Getty Images

I’m a U.S. citizen who lives most of the year in Canada. But when I pick up coffee or purchase subway fare in my adopted city of Toronto, I often find myself habitually turning to the same few American credit cards I’ve owned and used for years.

Using my American cards while living across the border helps me maintain my U.S. credit history. Plus, I’ve found that they offer more value than comparably-priced Canadian cards. 

I’m especially likely to pull out my Bank of America® Travel Rewards credit card because it offers ample points without requiring me to think too hard about different rewards categories. 

Instead, I earn the same unlimited 1.5 points per $1 on purchases, which is a rewards rate I’ve so far been unable to match with a no-annual-fee Canadian card. 

Aren’t sure how to choose a credit card? Read our guide on how to pick the best credit card for you.

In Canada, rewards cards without annual fees are typically less generous –– especially when it comes to miscellaneous spending. For example, my CIBC Dividend® Visa* Card * The information for the CIBC Dividend® Visa* Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers 2% cash back on groceries, 1% cash back on eligible gas, electric vehicle charging, transportation, dining and recurring payments, 0.5% cash on everything else. 

There are no foreign transaction fees on my Bank of America Travel Rewards card either. So I don’t have to sweat over 1% to 3% in foreign transaction fees that can quickly add up over multiple transactions. 

However, the number one reason I turn so regularly to my Bank of America Travel Rewards card is its convenience. 

After nearly 20 years of credit card experience, I’ve learned that I get more value out of low-maintenance cards that require minimal time and attention. 

our partner

Blueprint receives compensation from our partners for featured offers, which impacts how and where the placement is displayed.

Bank of America® Travel Rewards credit card

Welcome bonus

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.

Regular APR

Credit score.

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

Editor’s take

• 15 billing cycles of intro APR financing on both new purchases and on qualifying balance transfers.
• Earn an unlimited 1.5 points per $1 on purchases.
• No foreign transaction fees so it’s a good choice to use abroad.
• Points must be redeemed towards eligible travel and dining purchases for maximum redemption value.
• You can’t transfer rewards to airline or hotel partners.

Card details

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
• Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Even abroad, Bank of America Travel Rewards are simple to earn, fast to redeem 

In my experience, the Bank of America Travel Rewards Visa is especially easy to use in Canada compared with other American cards I own since it comes equipped with contactless technology (which was popular here long before it took off in the U.S.), and Visa is widely accepted. 

I rarely use my Discover it® Miles , by contrast, because I’ve struggled to find vendors in Canada who will accept it.

Since I earn the same rewards rate with every purchase on my Bank of America Travel Rewards card, I don’t have to track spending bonuses or worry about the types of foreign purchases that will qualify for a higher rate. 

Even better, the rewards I earn from my Bank of America Travel Rewards card are so easy to redeem I can do it within minutes online simply by checking some boxes next to eligible travel and dining purchases. Within days, a statement credit then posts to my account. 

I also can book rewards travel from whatever site I want to, and I don’t have to plan around blackout dates or other travel restrictions. 

For a working mom like me who can barely carve out time to book travel, let alone spend hours searching for a suitable rewards flight, that extra layer of simplicity is important. 

I also have ADHD, so navigating a complicated rewards scheme that requires lots of extra steps or tracking can sometimes feel overwhelming. Simpler rewards programs are easier for me to stick to long term and are overall a better fit for my neurodivergent brain. Plus, I’m more likely to use my rewards if they’re easy to redeem. 

On the downside, the redemption options for the Bank of America Travel Rewards card are limited: to earn a 1:1 return on your rewards spending, you need to redeem your points for travel or dining. 

You can trade in your points for a gift card, but your points will be worth less than a cent each. The redemption rate for cash is even stingier.

Luckily, there are plenty of purchases that count as travel and dining, including public transit and parking fees, bridge and highway tolls, tourist attractions such as aquariums and zoos, fast food, coffee shops, bars and taverns. 

Bank of America also gives you up to a year to redeem your points before a qualifying purchase is no longer eligible. So you have some time to build up your rewards. 

How I use American credit while living in another country

In my case, I’ve managed to seamlessly transition to living much of the year in Canada without giving up my American credit history because I still have a valid U.S. address and phone number and maintain a presence in both countries. 

I also happened to own most of my credit cards well before I moved to Canada in 2018. However, I have successfully applied for new cards in the years since and had them sent to my American address. 

Expats who don’t maintain a valid U.S. address may need to work with a bank or credit union that specializes in serving U.S. citizens who live or travel extensively abroad. But for me, it’s been relatively easy, and my Bank of America Travel Rewards card fits my needs perfectly.

*The information for the CIBC Dividend® Visa* Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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

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

Kelly Dilworth is a business and personal finance writer, specializing in the intersection between money and life. She has more than a decade of financial writing and reporting experience and has covered consumer banking and lending, credit cards, credit reporting and consumer scoring for a variety of personal finance outlets, including Bankrate and CreditCards.com, The Balance, LendingTree and Forbes Advisor. Her reporting has also been cited in Congressional testimony and in a number of reports, books and journal articles.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

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

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Bank of America Premium Rewards card benefits guide

For a mid-tier rewards card, the Bank of America Premium Rewards has a lot to offer

Published: December 2, 2021

Author: Ana Staples

Editor: Emily Sherman

Reviewer: Kaitlyn Tang

How we Choose

At a rather modest price, the Bank of America Premium Rewards Credit Card can provide excellent value, thanks to its impressive list of benefits.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

The Bank of America® Premium Rewards® credit card is a mid-tier travel credit card . At $95 per year, it earns 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases.

The card also offers a few desirable perks, which can make it a solid choice for frequent travelers who don’t want to spend hundreds of dollars in annual fees on premium rewards cards . The benefits include TSA PreCheck or Global Entry credits, airline incidental credits, travel protections and more.

In this benefits guide, you’ll learn what the Bank of America Premium Rewards card has to offer and how you can use the card to maximize its value.

Bank of America Premium Rewards card benefits

For a credit card with a comparatively modest annual fee, the Bank of America Premium Rewards card has a few exciting things going on.

TSA PreCheck or Global Entry credits

Credits to reimburse the cost of a TSA PreCheck or Global Entry membership are a popular credit card perk among travelers. However, it’s typically associated with more expensive credit cards, such as the Chase Sapphire Reserve card , the Capital One Venture X Rewards Credit Card and The Platinum Card® from American Express .

See related : Best credit cards for expedited airport security screening

If like most travelers, you like the idea of expedited airport security screening, you can get up to $100 in statement credits for TSA PreCheck or Global Entry once every four years with the Bank of America Premium Rewards card. Considering that offsets the card’s fee, that’s an excellent deal.

Annual credits for airline incidentals

Another premium-level benefit on the Premium Rewards is statement credits for airline incidentals, such as checked bags and in-flight refreshments. Once again, this is a perk typically reserved for the most expensive travel card offerings.

The Amex Platinum, for instance, offers up to $200 in statement credits per calendar year on airline incidental charges. But Amex makes it somewhat complicated to use this benefit: You need to pick an eligible airline in January and stick to it throughout the year.

With the Bank of America Premium Rewards, on the other hand, you’ll get up to $100 in annual credit for airline incidentals which you’ll be able to use with any airline.

Not too bad for a mid-tier rewards card, especially considering the difference in annual fees – the Amex Platinum is a whopping $600 more expensive.

Travel protections

The Bank of America Premium Rewards also comes with some valuable travel protections, including:

• Trip delay reimbursement, which allows a cardholder and their family members to receive coverage for delays in eligible cases.
• Trip cancellation or interruption protection, which provides coverage for eligible prepaid travel expenses for canceled trips due to a covered reason.
• Baggage delay insurance, which covers essential items when bags are delayed.
• Lost baggage reimbursement, which covers luggage and its contents stolen or lost due to misdirection by an airline.
• Emergency evacuation and transportation coverage, which covers eligible medical services and transportation if a cardholder or their family member is injured or sick while traveling.
• Roadside dispatch program, which provides emergency roadside assistance.
• Rental car insurance, which kicks in when you decline the collision damage waiver offered by the car rental agency.

Better rewards for Preferred Rewards program members

The Preferred Rewards program is available to Bank of America and Merrill customers with large checking, savings and investment account balances. The program offers appealing benefits like discounts on fees, higher rewards rates and interest rates on savings and more.

There are three tiers in the Preferred Rewards program, based on combined qualifying balances:

• Gold – $20,000 to $49,999
• Platinum – $50,000 to $99,999
• Platinum Honors – $100,000

If your combined balances meet any of these thresholds, here are what your rewards rates on the Premium Rewards card may look like:

Simple rewards redemption

Speaking of rewards, the Premium Rewards card makes redeeming your points easy. You don’t have to worry about the point value – whichever redemption option you choose, you’ll get 1 cent per point.

You can redeem for travel, gift cards, statement credit or direct deposit. To pay for travel with points, you can use Bank of America’s Travel Center. Alternatively, you can get reimbursement for travel you’ve already purchased.

Unfortunately, Bank of America doesn’t have transfer partners, limiting your ability to maximize the point value. If you’re interested in transferring points, look into another mid-tier travel card, like the Chase Sapphire Preferred . At the same $95 per year, it offers outstanding perks and allows access to Chase Ultimate Rewards and the program’s excellent transfer partners.

No foreign transaction fees

The Bank of America Premium Rewards is also a good card to take with you abroad. Since it’s on the Visa network, it’s widely accepted internationally – and you won’t have to worry about foreign transaction fees.

Maximizing the Bank of America Premium Rewards card

Now that you know everything the Bank of America Premium Rewards card has to offer, you can get the most out of it.

Here are some tips to help you maximize the card’s potential:

• Use the Premium Rewards on dining and travel – unless you have another card that earns more in these categories.
• Use the card on general purchases outside of the bonus categories on your other cards to earn more than 1 point per dollar.
• Read through terms and conditions to understand all travel protections available to you, as they sometimes can save you hundreds or even thousands of dollars.
• Sign up for Global Entry or TSA PreCheck and make sure to use the Premium Rewards to pay for the membership.
• Have the card handy when you travel to pay for airline incidentals and take advantage of the annual $100 credit.

Bottom line

For an affordable travel card, the Bank of America Premium Rewards credit card has plenty to offer, from popular perks like TSA PreCheck or Global Entry credits to less flashy but valuable benefits like rental car insurance.

If you already have the card, it’s a good idea to keep these benefits in mind so you can use it to its full potential. If you’re still shopping around, make sure to consider your options and see what kind of perks other similar cards provide.

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The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Ana Staples is a staff reporter and young credit expert reporter for CreditCards.com and covers product news and credit advice. She loves sharing financial expertise with her reader and believes that the right financial advice at the right time can make a real difference. In her free time, Anastasiia writes romance stories and plans a trip to the French Riviera she'll take one day—when she has enough points, that is.

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BankAmericard benefits guide

The BankAmericard offers many compelling rewards and benefits, including 18 billing cycles of 0% APR promotional financing on both new purchases and balance transfers (followed by 12.99% to 22.99% variable APR). You can also receive a $100 statement credit if you meet the spending requirement, plus access to other valuable benefits. 

BankAmeriDeals program guide

Bank of America credit and debit card holders can earn extra cash back on everyday purchases with BankAmeriDeals.

Credit score needed for the BankAmericard

Is the BankAmericard credit card worth it?

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

How to add an authorized user to a Bank of America credit card

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Bank of America® Premium Rewards® Credit Card

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

Earn unlimited points – 2 points for every $1 spent on travel and dining purchases and 1.5 points per $1 on all other purchases

Card Details

60,000 bonus point offer.

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

Unlock premium value for your everyday spend

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.

Flexibility to choose how you redeem your points – 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 up to $200 in travel statement credits

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

Get up to $100 in Airport Security Statement Credits for TSA PreCheck ® or Global Entry application fees, every four years

No foreign transaction fees †

No matter where you're traveling, feel free to use your Bank of America ® Premium Rewards ® credit card without incurring foreign transaction fees when making purchases outside of the United States

Get even more 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.

Learn more about Preferred Rewards Premium Rewards

Interest Rates & Fees Summary †

Introductory apr, standard apr.

21.24% - 29.24%

Balance Transfer Fee

of each transaction †

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

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

60,000 online bonus points after you make at least $4,000 in purchases in the first 90 days of account opening

2 points per $1 spent on travel purchases

2 points per $1 spent on dining purchases

1.5 points per $1 spent on all other purchases

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

Use our rewards calculator to see where your points can take you...

Take control of your rewards with the flexibility to redeem them towards what matters most to you.

Enjoy the flexibility to choose how you redeem your points – redeem for cash back as a deposit into Bank of America ® checking or savings accounts, for credit to an eligible account with Merrill, including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center.

See how many points you can earn

Tell us how much you spend every, earn 2 points.

for every $1 spent on Travel & Dining purchases

Earn 1.5 points

for every $1 spent on all other purchases

Your 1 year of spending

Flexibility to choose how you redeem your points

Enjoy the flexibility to choose how you redeem your points – redeem for cash back as a deposit into your Bank of America ® checking or savings accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center.

Customer bonus

Gold Tier Preferred Rewards Bonus

Platinum Tier Preferred Rewards Bonus

Platinum Honors Tier and Higher Preferred Rewards Bonus

Learn more about Preferred Rewards

Preferred Rewards makes your credit card even better

Note: This calculator is for illustrative purposes only. It is not intended to be printed or distributed. Your actual rewards earned will depend upon your individual purchases.

10% Customer bonus

25% Gold Tier Preferred Rewards Bonus

50% Platinum Tier Preferred Rewards Bonus

75% Platinum Honors Tier and Higher Preferred Rewards Bonus

Premium Benefits

Travel protections.

Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays, lost luggage and emergency evacuation and transportation. Learn more

Purchase protections

Shop with confidence, with excellent purchase protections like Warranty Manager Service, Return Protection and Purchase Security. These can help with repair, replacement or reimbursement on purchases, or extend the manufacturers' warranty. Learn more

Automotive protections

Feel safer on the road with our 24/7 Roadside Dispatch Program, plus added protection with Auto Rental Collision Damage Waiver. Learn more

Visa Signature ® Luxury Hotel Collection

Enjoy a premium set of benefits when you use your Premium Rewards ® card to book through the Visa Signature Luxury Hotel Collection. Learn more

Concierge Service

The Visa Signature ® concierge service gives you access to concierges who can help with travel planning, restaurant recommendations and event reservations.

Security & Features

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

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

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