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Card Economics
- Annual Fee
- $550
- Ongoing Annual Value
- $113
- First-Year Value Estimate
- $450
- Net Value
- −$437
Card type: PersonalForeign transaction fee: NoneCurrency: Bank of America Points
Earning Structure
2XDining2%
2XTravel2%
1.5XAll other purchases1.5%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (3)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Airline Fees: $300 (Annual Calendar Year)
qualifying purchases such as seat upgrades, baggage fees, airline lounge fees and in-flight services
- Lifestyle conveniences: $150 (Annual Calendar Year)
streaming, food delivery, fitness, rideshare
Lounge Access (1)
- Priority Pass Select (Unlimited) — unlimited free guests
Protections (10)
- Travel Accident Insurance — up to $1,000,000 — Provides up to $1,000,000 in accidental death or dismemberment insurance while traveling on a common carrier when the entire fare is charged to your card.
- Trip Cancellation/Interruption — up to $2,500 — Up to $2,500 per trip for nonrefundable passenger fares. Pay for the entire fare with your card to be eligible for this benefit.
- Trip Delay — up to $500 — Up to $500 for trips delayed more than 6 hours. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Baggage Delay — up to $500 — Up to $100 per day for up to 5 days when bags delayed 6+ hours. Pay for any portion of your trip with your card to be eligible for this benefit.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. $2K per bag for NY residents. Pay for a portion of the covered trip with your card to be eligible for this benefit.
- Emergency Evacuation — up to $100,000 — Coverage for emergency medical evacuation costs up to $100,000. Pay for a portion of your trip with your card to be eligible for this benefit.
- Purchase Protection — up to $10,000 — Up to $10,000 per claim, $50,000 per cardholder annually for stolen or damaged eligible items within 90 days of purchase
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty up to 1 additional year, up to $10,000 per claim and $50,000 annually
- Return Protection — up to $300 — Up to $300 per item, $1,000 annually when retailer won't accept return
- Auto Rental Collision Damage Waiver (primary) — Primary coverage for collision damage and theft up to $75K. Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Israel, Jamaica, the Republic of Ireland, Northern Ireland.
Other Perks
- 20% discount when redeeming points for flights through BOA Travel Center
- Up to 75% rewards bonus for Preferred Rewards members
- Visa Infinite Luxury Hotel Collection: late checkout, free daily breakfast for two, room upgrades at participating properties
- 24/7 concierge service
- Visa Infinite roadside assistance
