9 tracked perks. Here's everything this card actually offers — structured and kept current.
Cardholders can view their FICO credit score for free through the Bank of America online banking portal or mobile app, updated monthly.
This card carries no annual fee, meaning cardholders are not charged a yearly membership cost to maintain the account.
Bank of America Preferred Rewards members can receive an increased cash-back rate on all purchases, scaling up based on the qualifying balance tier (Gold, Platinum, Platinum Honors, Diamond, Diamond Honors).
Cardholders may receive accidental death and dismemberment coverage when travel is purchased with the card, up to a specified benefit amount.
The card is compatible with major digital wallets including Apple Pay, Google Pay, and Samsung Pay, allowing contactless payments with built-in security tokenization.
The card can be linked to a Bank of America checking account to serve as an overdraft protection source, automatically covering shortfalls up to the available credit limit.
Cardholders are not held responsible for unauthorized transactions made with the card, providing fraud protection on eligible purchases.
New cardholders may receive an introductory 0% APR period on purchases and/or balance transfers for a defined number of billing cycles after account opening.
No Annual Fee
The full structured detail behind every perk — deductibles, coverage caps, reset windows, enrollment rules, confidence scores and the source citation — is available through the API.
See the API response shapeQuery this card and every other through one clean API — every field carries a confidence score, last-verified date and source.
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