Bank of America’s updated rewards program, BofA Rewards, gives customers with a personal checking account an additional boost of 10% to 75% on credit‑card earnings. By pairing two of the bank’s cards, users can cover a wide range of spending categories while keeping fees low.
Top Pairings
Best overall: Bank of America® Premium Rewards® and Bank of America® Customized Cash Rewards®. The Premium Rewards card earns two points per dollar on travel and dining, with an annual fee of $95 that is often offset by statement credits. The Customized Cash Rewards card lets cardholders select a high‑spend category—such as groceries or gas—for a higher cash‑back rate, filling the gaps left by the travel‑focused card.
Best for Alaska and Hawaiian Airlines flyers: Atmos Rewards Ascent Visa Signature® paired with the Premium Rewards card. The Atmos card provides airline‑specific benefits for frequent Alaska or Hawaiian travelers, while the Premium Rewards card adds broader travel and dining earnings and a higher base rate on everyday purchases.
Best for cash‑back maximizers: Bank of America Customized Cash Rewards® and Bank of America Unlimited Cash Rewards®. Both cards have no annual fee. The Customized card allows users to choose a top‑earning category, and the Unlimited card offers a steady cash‑back rate on all other purchases, together covering the full spectrum of spending.
How to Choose
When selecting a combination, consider how the two cards complement each other. One card should handle high‑value categories like travel, dining, or a chosen cash‑back bonus, while the second covers the remaining everyday purchases. This approach can increase overall rewards without requiring a large portfolio of cards.
Consumers should also verify that they have a qualifying Bank of America personal checking account to take advantage of the extra BofA Rewards boost. By aligning card benefits with personal spending habits, users can maximize points, miles, or cash back while keeping costs manageable.
Original reporting: Alexandria, VA News – WTOP News — read the source article.
