Deep Dive on Bank of America Credit Cards (Up to 5.25% Cash Back)
All the Hacks: Money, Points & Life
How Preferred Rewards Multiplies Your Cash Back
And that is talking about the preferred rewards program from Bank of America. Chris explains tiers, qualification, and how boosts like 25%–75% amplify cashback.
#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
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
Frequent Miler: Guide to Ultra-Premium Credit Card Travel Protections
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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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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