Bank of America Transfer Partners: What You Need to Know in Aug 2026

Bank of America doesn't offer credit card transfer partners.

Instead, its points generally provide predictable, fixed-value redemptions, although the available options depend on the card.

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 necessarily "bad"; it's just a different rewards ecosystem that can be incredibly valuable for some. Here's what that means for your rewards strategy.

TLDR:

• Bank of America credit cards don't transfer points to airlines or hotels like Chase or Amex do.
• Redemption options vary by card
• BofA Rewards™ members can receive a 10% to 75% bonus on eligible credit card rewards
• nextcard helps you track transfer partners across all your cards in one place, no tab-switching needed.

Bank of America Credit Cards Don't Offer Transfer Partners

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.

How Bank of America Points Work Instead

Bank of America does not offer a single transferable points currency, and redemption options vary by card. With the higher end cards like the Premium Rewards or Premium Elite, points can be redeemed for cash back or statement credits at a consistent value of 1 cent per point. That means 50,000 points are worth $500.

And with the Premium Rewards Elite, save 20% on domestic or international airfare for any class when you pay with points through the Bank of America travel portal.

Travel Rewards works somewhat differently: points are worth 1 cent each when redeemed for statement credits against eligible travel and dining purchases, while certain other redemption methods may provide less value.

This predictability makes Bank of America points easy to use, but it also limits their potential upside. Unlike transferable rewards programs, Bank of America does not let you transfer points to airline or hotel partners, where strategic redemptions can sometimes produce more than 2 or 3 cents per point.

Why are Bank of America rewards still compelling? Read on...

BofA Rewards Bonus Structure

BofA Rewards™ is one of the stronger reasons to consolidate banking and investing assets with Bank of America and Merrill. To participate in BofA Rewards, you must enroll and maintain an eligible Bank of America personal checking account.

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:

• Member: Under $30,000 in qualifying balances; 10% credit card rewards bonus
• Preferred Plus: $30,000 to under $100,000 in qualifying balances; 25% credit card rewards bonus
• Preferred Honors: $100,000 to under $1 million in qualifying balances; 50% credit card rewards bonus
• Premier: $1 million or more in qualifying balances; 75% credit card rewards bonus

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.

Credit Card Issuers That Do Have Transfer Partners

Several issuers cover the transferable points space well. Here's how they compare at a glance (as of Aug 2026):

You can also check out nextcard's transfer partner table to see all the airline/hotel transfer partner options out there.

Why Transfer Partners Matter for Travel Redemptions

Bank of America generally emphasizes fixed-value redemptions. With Travel Rewards, points are worth 1 cent each when redeemed for statement credits against eligible travel and dining purchases. Premium Rewards points can generally be redeemed for cash back, statement credits or travel at 1 cent each.

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.

Premium Rewards Elite is the notable exception to the otherwise fixed-value model: cardholders receive 20% savings on airfare paid with points through the Bank of America Travel Center or Concierge.

When Bank of America Cards Make Sense Despite No Transfer Partners

Not every cardholder needs transfer partners. For BofA 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!

Using nextcard to Manage Transfer Partners Across All Programs

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 useful tool (we're biased) for anyone trying to get the most out of their rewards.

Final Thoughts on Bank of America Transfer Partner Limitations

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.

FAQ

Can I transfer Bank of America points to airlines?

No, Bank of America credit cards don't offer any airline or hotel transfer partners.

Bank of America transfer partners vs Chase 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 offers no transfer partners and generally emphasizes fixed-value redemptions, whereas Chase transfers can score incredible value with the right redemption.

What credit card issuers have the best transfer partners?

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.

How does BofA Rewards affect credit card spend earnings?

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.

Can I redeem Bank of America points for cash back or gift cards?

Yes, but the rate depends on your card.

Premium Rewards and Premium Rewards Elite points can be redeemed for cash back or statement credits at 1 cent per point, while Travel Rewards cards only get 0.6 cents per point when redeeming for cash.

Gift card redemption rates vary by amount and merchant.