BofA Atmos Card Relationship Bonus: June 2026
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Bank of America Transfer Partners: What You Need to Know in June 2026
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nextcard team
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Bank of America doesn't offer credit card transfer partners.
You can use your points as a statement credit towards travel & dining purchases for 1 cent per point.
That's a very different model from Chase Ultimate Rewards or Amex Membership Rewards, where transferring points to the right partner can push value well past 2 cents each. However, that doesn't mean Bank of America is not necessarily "bad"; it's just a different rewards ecosystem that can be incredibly value for some. Here's what that means for your rewards strategy.
TLDR:
Bank of America points work differently from what most points enthusiasts expect. The Bank of America® Premium Rewards® credit card, Bank of America® Premium Rewards Elite credit card, and Bank of America® Travel Rewards credit card earn points that cannot be transferred to any airline or hotel loyalty program.
That separates Bank of America from most of its major competitors. Chase, American Express, Capital One, and Citi all let you move rewards directly to travel partners like United, Delta, Hyatt, and Singapore Airlines. Cards like the Chase Sapphire Reserve® offer this flexibility, which can delivery outsized value.
Bank of America points are usually best thought of as fixed-value rewards, with Travel Rewards points worth 1 cent each when redeemed for eligible travel statement credits. Some other redemption options may offer less value.
For example, you can redeem points for a statement credit to pay for eligible travel or dining expenses at 1 cent per point.
However, if you redeem points for cash or gift cards, you get a reduced redemption rate below 1 cent per point.
While this predictability is useful, it also caps your upside. Transferable points programs can push past 2 or even 3 cents per point with the right airline or hotel redemption, and Bank of America simply doesn't offer that.
Why are Bank of America rewards still compelling? Read on...
BofA Rewards is one of the stronger reasons to consolidate banking and investing assets with Bank of America and Merrill. Eligible clients can earn a rewards bonus on qualifying Bank of America credit card purchases, with the bonus based on their combined balances across eligible BofA deposit accounts, Merrill accounts, and certain other qualifying accounts.
The current BofA Rewards tiers break down like this:
That bonus can meaningfully change the value of BofA cards. For example, the Bank of America® Travel Rewards credit card normally earns 1.5 points per dollar spent on everyday purchases. With the Premier tier’s 75% bonus, that becomes an effective 2.625x on every purchase.
At the Preferred Honors 50% tier, it becomes 2.25 points per dollar, which is still highly competitive for a no-annual-fee flat-rate travel card.
Several issuers cover the transferable points space well. Here's how they compare at a glance (as of June 2026):
| Issuer | Program | Transfer Partners |
|---|---|---|
| American Express | Membership Rewards | 20 partners including ANA and Cathay Pacific |
| Capital One | Miles | 22 partners including Japan Airlines ad Accor |
| Chase | Ultimate Rewards | 14 partners including United, Hyatt, and British Airways |
You can also check out nextcard's transfer partner table to see all the airline/hotel transfer partner options out there.
When you redeem Bank of America travel rewards points directly through their travel portal, you'll only get 1 cent per point.
Transfer your Chase or Amex points to an airline or hotel loyalty program, though, and that value can jump to 2 cents per point or more depending on how you book.
That gap is why transfer partners matter so much. A 50,000-point balance redeemed directly might cover a $500 flight. The same 50,000 points transferred to the right airline partner could book a business class seat worth $1,500 or more.
Then again, if you’re in the Premier tier of BofA Rewards, you could potentially be earning 2.625 points per dollar spent (which is very good) with the Bank of America® Travel Rewards credit card.
Not every cardholder needs transfer partners. For Preferred Rewards members at higher tiers, the earnings boost makes the fixed-value model more competitive than it looks..
The Bank of America Travel Rewards card carries no annual fee and works well for casual travelers who want straightforward redemptions. In the Premier tier, you'd be earning 2.625 points per dollar spent.
The Bank of America® Premium Rewards Elite credit card earns 2 points for every dollar spent on travel & dining. Premier tier members get a 75% rewards bonus, meaning that becomes a whopping 3.5 points per dollar spent on those categories!
Keeping track of transfer partners across Bank of America, Amex, Chase, Citi, and U.S. Bank can get overwhelming fast. That's where nextcard comes in. The nextcard app lets you see all your credit cards and their rewards programs in one place, so you always know which points you have, what they're worth, and where you can move them.
Whether you're planning your next redemption or comparing airline partners across programs, nextcard gives you a clear view without the tab-switching chaos.
It's a genuinely useful tool for anyone trying to get the most out of their rewards.
Bank of America’s approach is mostly fixed-value and much simpler than transferable points programs, though the Bank of America® Premium Rewards Elite credit card has a separate airfare savings feature when redeeming points through BofA’s travel channels.
If transfer partners are part of your strategy, you'll want a Chase or Amex card in your wallet instead.
Sign in to nextcard to see how Bank of America cards fit alongside your other rewards programs. Your best card setup depends on whether you travel often enough to make learning transfer ratios and award charts worth it.
No, Bank of America credit cards don't offer any airline or hotel transfer partners.
Chase Ultimate Rewards offers 14 transfer partners including United, Hyatt, and British Airways, while Bank of America has zero transfer partners. Bank of America points work at a fixed 1 cent per point value, whereas Chase transfers can score incredible value with the right redemption.
While Amex and Capital One have amongst the most transfer partners, that doesn't mean its the best program. Chase and Citi have some of the strongest transfer programs given their partnership with Hyatt and American Airlines, respectively.
Each issuer offers different transfer ratios and partner airlines, so the best choice depends on which airlines or hotels you use most.
The BofA Rewards program adds a 10% to 75% bonus on eligible credit card rewards based on your combined Bank of America and Merrill balances. Your tier is generally determined by your average daily balance over a three-calendar-month period.
Preferred Honors members ($100,000 to under $1 million in qualifying balances) get a 50% rewards bonus, boosting the Bank of America Travel Rewards card’s base 1.5 points per dollar earning rate to an effective 2.25x on everyday purchases. The full 75% bonus (which raises the card to 2.625 points per dollar spent on everyday purchases) is reserved for Premier tier members with $1 million or more in qualifying balances.
