All the Hacks: Money, Points & Life Deep Dive on Bank of America Credit Cards (Up to 5.25% Cash Back)
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Sep 24, 2025 Explore the surprising power of Bank of America's credit card lineup, where Chris shares his love for five different cards. Discover how the Preferred Rewards program can boost your cashback potential to 3.3%. Uncover unique perks like free access to 235 museums nationwide, as well as insights on applying for cards and navigating approval rules. Get an in-depth look at various cards, including the premium options with hefty benefits and the hidden gems in the business lineup. Plus, learn about strategic ways to maximize your rewards!
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Preferred Rewards Multiplies Cashback
- Bank of America's Preferred Rewards multiplies cashback based on balances across BoA and Merrill accounts.
- Platinum Honors ( $100k) gives a 75% boost turning 3% into 5.25%.
Maximize The Customized Cash Card
- Use the Customized Cash Rewards for a chosen 3% category and change it monthly to capture spend.
- Remember the 3% and 2% categories share a $10,000/year cap before drops to 1%.
Unlimited Cash Can Be A Top Flat-Rate Card
- The Unlimited Cash card is 1.5% base but becomes 2.625% with Platinum Honors, rivaling other flat-rate cards.
- Limited-time offers can add extra cashback for the first year, boosting value further.