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Card Details
Earn Points
Earn 3 points per $1 spent on eligible Spirit purchases
2 points per $1 spent on eligible dining and grocery store purchases
1 point per $1 spent on all other purchases
No limit to the points you can earn and no points expiration as long as your card account is open
Bonus Points
Online Offer: Earn 50,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening
Free Checked Bags
Enjoy Two Free Checked Bags as a primary cardholder
Inflight Cardholder Benefits
Enjoy Priority Check-in plus Group 2 Priority Boarding on all flights. Take advantage of a 25% rebate on all inflight food and beverage purchases when you pay with your card.
Anniversary Bonus
Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior anniversary year
This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Interest Rates & Fees Summary†
Introductory APR
None
Standard APR
19.49% - 27.49%
variable
Annual Fee
$79
Balance Transfer Fee
5%
of each transaction†
†Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.
Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.
Rewards
Earn 3 points per $1 spent on eligible Spirit purchases
2 points per $1 spent on eligible dining and grocery store purchases
1 point per $1 spent on all other purchases
No limit to the points you can earn and no points expiration as long as your card account is open
Redeem points for flights and other select options with Spirit partners
As long as your card account remains open, your points will not expire
Security & Features
Stay Protected
We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions. Footnote [1] Learn more at the Security Center Opens in a new window
Balance Connect® for overdraft protection
An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. No transfer fees. Other fees may apply. Footnote [2]
Paperless Statement Option
Opt for paperless credit card statements and increase account security while reducing paper consumption.
Digital Wallet Technology
Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay. Learn more about Digital Wallets Technology opens in a new window
Online & Mobile Banking
Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more. Footnote [3]
Account Alerts
Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid. Footnote [4]
You can also call 800.932.2775
Priority code: QAF2JN
Priority code: QAF2JN
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