Premium Rewards Elite: Top Cash Back Card

#247: Chris dives into Bank of America’s credit card lineup and why he has 5 different BoA cards right now. He'll go over how the Preferred Rewards program can help you earn unlimited 3.3% back on everything. Finally, he also covers approval rules, credit limits, unique perks like free museum access, and more.

Link to Full Show Notes: https://chrishutchins.com/bank-of-america-preferred-rewards

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Resources Mentioned

Chris’ Best Cards Page

Mesa Homeowners Card (code: CHRIS50)

BoA Cards: Tier List

• Bank of America® Customized Cash Rewards | Susan G. Komen®
• Bank of America® Unlimited Cash Rewards
• Bank of America® Travel Rewards
• Bank of America® Premium Rewards®
• Bank of America® Premium Rewards® Elite
• The Atmos™ Rewards Ascent Visa Signature Card
• The Atmos™ Rewards Visa Summit Card
• Free Spirit ® Travel More World Elite Mastercard
• Allways Rewards Visa® card
• Air France KLM World Elite Mastercard
• Bank of America® Business Advantage Customized Cash Rewards Mastercard®
• Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
• Bank of America® Business Advantage Travel Rewards World Mastercard®
• The Atmos™ Rewards Visa Business Card

Other Cards

• Citi® Double Cash Card
• U.S. Bank Smartly™ Visa
• The Ritz-Carlton™ Credit Card

Frequent Miler: Guide to Ultra-Premium Credit Card Travel Protections

Rakuten: $50 bonus here

BoA: Museums on Us | BankAmeriDeals

ATH Podcast

• Ep #245: How Much Are Points and Miles Worth in 2025?
• Leave a review: Apple Podcasts | Spotify
• Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com

Full Show Notes

(00:00) Introduction

(01:29) Quick Episode Overview

(03:21) BoA Preferred Rewards Program

(06:00) Customized Cash Rewards Card

(08:28) Customized Cash Rewards Card Variations

(13:18) Unlimited Cash Card

(15:50) Travel Rewards Card

(18:02) Premium Rewards Card

(24:54) Travel Benefits on the BoA Premium Cards

(26:25) Atmos Rewards Ascent Card

(32:24) Atmos Rewards Summit Card

(35:10) Valuing Companion Awards

(39:41) Free Spirit Travel More World Elite MasterCard

(41:03) Allegiant Always Rewards Card

(42:08) Air France KLM World Elite MasterCard

(44:26) BoA’s Cruise Cards

(45:03) Business Card Eligibility

(47:12) Business Customized Cash Card

(51:04) Business Unlimited Cash Card

(52:21) Business Travel Rewards Card

(55:41) Atmos Rewards Business Card

(57:59) Applying for BoA Cards

(59:13) 5 Consumer Card Limit

(60:48) BoA Nuances to Keep in Mind

(01:02:13) Credit Limits

(01:03:00) BankAmeriDeals

(01:04:07) Free Museum Access

(01:05:06) Summary

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