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Bank of America Promotions Overview

Bank of America logoBank of America bonuses and promotions can include checking account bonuses, credit card offers, business banking incentives, promotional rates, relationship benefits, and customer deals. This page tracks current offers available to qualifying Bank of America customers in Utah.

For more information about the institution itself, see our Bank of America in Utah profile. Because offers and eligibility requirements can change, verify the current terms with Bank of America before applying.

Some promotions may not be publicly advertised. Financial institutions may offer branch-only, relationship-based, preselected, or targeted promotions to certain customers. UtahFi includes offers that can be verified through public or otherwise reliable official sources, so additional promotions may be available to you directly through the institution.

Quick Summary

Bank of America bonuses and promotions currently include consumer checking bonuses, business banking incentives, credit card welcome offers, promotional rates, referral rewards, and customer deals available to qualifying Utah customers.

Category Current Offers
Checking Account Bonuses $100 for Advantage SafeBalance Banking or up to $500 for qualifying Advantage Plus or Advantage Relationship Banking customers.
Savings Account Bonuses None currently.
Business Account Bonuses $0 monthly service fee for the first 12 months on qualifying new Business Advantage Fundamentals Banking accounts.
Credit Card Bonuses Consumer offers include $200–$250 cash bonuses and up to 75,000 bonus points; qualifying business cards offer up to $500 cash or 50,000 bonus points.
Promotional Rates 0% introductory APR for 21 billing cycles on BankAmericard, plus BofA Rewards auto-loan and home-lending relationship discounts.
Referral Programs Eligible credit card customers can earn $100 cash rewards or 10,000 points per approved referral, up to $500 or 50,000 points per year.
Member Deals & Discounts Personalized BofA Rewards merchant deals plus Museums on Us, including free general admission at the Utah Museum of Fine Arts during eligible weekends.
Salt Lake City skyline divider with temple and Utah mountains

Checking Account Bonuses

Bank of America bonuses and promotions currently include two public checking bonus paths for qualifying new consumer checking customers in Utah: a $100 transaction-based offer for Advantage SafeBalance Banking and a tiered direct-deposit offer of up to $500 for Advantage Plus Banking or Advantage Relationship Banking.

Bank of America Advantage SafeBalance Banking — $100 Bonus

Detail Offer
Bonus $100
Product type Consumer checking account
Account Bank of America Advantage SafeBalance Banking®
How to earn it Open a new eligible Advantage SafeBalance Banking account through the promotional offer and complete 20 or more qualifying debit card or Zelle® transactions within 60 days of account opening.
Required holding period No separate holding period is listed. The account must remain open and in good standing to receive the bonus.
Monthly service fee $4.95 or $0 when a qualifying waiver requirement is met.
Potential account cost $0 if the monthly fee is waived. Otherwise, up to approximately $9.90 if two monthly service fees apply during the 60-day qualification period.
Potential bonus after fees Up to $100 before fees, or approximately $90.10 after two $4.95 monthly service fees.
Fine print Offer is limited to new checking customers. Bank of America Advantage SafeBalance Banking for Family Banking, Advantage Plus Banking, and Advantage Relationship Banking accounts do not qualify for this $100 offer. Qualifying transactions must post to the account. The account must remain open and in good standing when the bonus is paid.
Expiration date September 30, 2026
Availability Online through the promotional offer page, subject to account approval. Available to qualifying Utah applicants.
Who qualifies Qualifying new Bank of America consumer checking customers who meet the offer requirements.

More official info: Bank of America checking bonus offer

Bank of America Advantage Plus or Relationship Banking — Up to $500 Bonus

Detail Offer
Bonus $100, $300, or $500
Product type Consumer checking account
Account Bank of America Advantage Plus Banking® or Bank of America Advantage Relationship Banking®
How to earn it Open a new eligible account through the promotional offer and receive qualifying direct deposits within 90 days of account opening. Receive at least $2,000 in qualifying direct deposits to earn $100, at least $5,000 to earn $300, or at least $10,000 to earn $500.
Required holding period No separate holding period is listed beyond the 90-day qualification period. The account must remain open and in good standing to receive the bonus.
Monthly service fee Advantage Plus Banking: $12 or $0 when a qualifying waiver requirement is met. Advantage Relationship Banking: $25 or $0 when a qualifying waiver requirement is met.
Potential account cost $0 if the monthly fee is waived. Otherwise, approximately $36 for Advantage Plus Banking or $75 for Advantage Relationship Banking if three monthly service fees apply during the 90-day qualification period.
Potential bonus after fees Up to $500 before fees. Assuming three monthly fees are charged, the maximum bonus would be approximately $464 with Advantage Plus Banking or $425 with Advantage Relationship Banking.
Fine print Offer is limited to new checking customers. Qualifying direct deposits generally consist of regular income such as salary, pension, or Social Security deposited by an employer or other payer using the account and routing numbers. Advantage SafeBalance Banking and Advantage SafeBalance Banking for Family Banking do not qualify for this tiered offer. The account must remain open and in good standing when the bonus is paid.
Expiration date September 30, 2026
Availability Online through the promotional offer page; eligible Advantage Plus Banking and Advantage Relationship Banking accounts may also be opened through a Bank of America or Merrill associate. Available to qualifying Utah applicants.
Who qualifies Qualifying new Bank of America consumer checking customers who open an eligible account and meet the direct-deposit requirements.

More official info: Bank of America up to $500 checking bonus offer

Utah ski mountain divider illustration with snowy peaks and ski lifts

Savings Account Bonuses

Bank of America does not currently advertise a public savings account bonus for qualifying Utah customers. No savings account bonuses are available at this time.

More official info: Bank of America savings accounts

Business Account Bonuses

Bank of America promotions currently include a 12-month monthly-fee waiver for qualifying new Business Advantage Fundamentals Banking customers in Utah. No current public cash bonus for new business checking accounts was found.

Business Advantage Fundamentals Banking — $0 Monthly Fee for 12 Months

Detail Offer
Offer $0 monthly fee for the first 12 months
Product type Business checking account
Account Bank of America Business Advantage Fundamentals™ Banking
How to earn it Open a new Business Advantage Fundamentals Banking account. Bank of America waives the monthly fee for the first 12 months.
Monthly service fee $0 for the first 12 months. After that, the standard monthly fee is $16 unless a qualifying waiver requirement is met.
Potential account cost $0 in monthly service fees during the first 12 months. After the introductory period, the $16 monthly fee can be avoided by meeting an applicable waiver requirement.
Potential value Up to $192 in avoided monthly service fees during the first 12 months compared with paying the standard $16 monthly fee each month.
Fine print After the first 12 months, the monthly fee may be waived by maintaining a $5,000 combined average monthly balance in eligible linked business deposit accounts, making at least $500 in new net qualified purchases with a Bank of America business debit card during the statement cycle, or qualifying through Preferred Rewards for Business.
Expiration date No public expiration date listed.
Availability Public offer for new Business Advantage Fundamentals Banking accounts, subject to account approval. Available to qualifying Utah businesses.
Who qualifies Qualifying businesses opening a new Business Advantage Fundamentals Banking account.

More official info: Bank of America Business Advantage checking accounts

Delicate Arch divider illustration with Utah desert and mountains

Credit Card Bonuses

Bank of America bonuses and promotions currently include several public consumer and business credit card welcome offers available to qualifying Utah applicants. Offers may vary by application channel and can change without notice.

Consumer Credit Cards

Bank of America Customized Cash Rewards — $200 Bonus + First-Year Cash Back Offer

Detail Offer
Bonus or Offer $200 online cash rewards bonus, plus 6% cash back in the selected choice category for the first year, subject to the card’s rewards limits.
Product type Consumer cash-back credit card
How to earn it Make at least $1,000 in purchases within the first 90 days of account opening to earn the $200 bonus. The promotional 6% choice-category rate applies during the first year, subject to the applicable rewards cap.
Required spending $1,000 within 90 days
Annual fee $0
Potential bonus after annual fee $200, plus applicable first-year promotional cash back.
Fine print The promotional choice-category rate is subject to the card’s spending limits and program rules. Purchases must qualify under Bank of America’s card terms.
Expiration date No public expiration date listed.
Availability Available online to Utah applicants, subject to Bank of America approval and offer eligibility requirements.
Who qualifies New cardholders approved through the applicable offer.

More official info: Bank of America Customized Cash Rewards offer

Bank of America Unlimited Cash Rewards — $250 Bonus

Detail Offer
Bonus or Offer $250 online cash rewards bonus
Product type Consumer cash-back credit card
How to earn it Make at least $1,000 in purchases within the first 90 days of account opening.
Required spending $1,000 within 90 days
Annual fee $0
Potential bonus after annual fee $250
Fine print Limited-time online offer. Other Bank of America application channels may show different offers.
Expiration date No public expiration date listed.
Availability Available online to Utah applicants, subject to Bank of America approval and offer eligibility requirements.
Who qualifies New cardholders approved through the applicable offer.

More official info: Bank of America Unlimited Cash Rewards offer

Bank of America Travel Rewards — 25,000 Bonus Points

Detail Offer
Bonus or Offer 25,000 online bonus points, which Bank of America states can be redeemed for a $250 travel or dining statement credit.
Product type Consumer travel rewards credit card
How to earn it Make at least $1,000 in purchases within the first 90 days of account opening.
Required spending $1,000 within 90 days
Annual fee $0
Potential bonus after annual fee $250 when redeemed for the travel or dining statement-credit option described by Bank of America.
Fine print The $250 figure is Bank of America’s stated redemption value for eligible travel or dining statement credits.
Expiration date No public expiration date listed.
Availability Available online to Utah applicants, subject to Bank of America approval and offer eligibility requirements.
Who qualifies New cardholders approved through the applicable offer.

More official info: Bank of America Travel Rewards offer

Bank of America Premium Rewards — 60,000 Bonus Points

Detail Offer
Bonus or Offer 60,000 online bonus points, which Bank of America advertises as a $600 value.
Product type Consumer premium rewards credit card
How to earn it Make at least $4,000 in purchases within the first 90 days of account opening.
Required spending $4,000 within 90 days
Annual fee $95
Potential bonus after annual fee Approximately $505 using Bank of America’s stated $600 bonus value minus the $95 annual fee.
Fine print Only qualifying purchases count toward the spending requirement. Balance transfers, cash advances, fees and other excluded transactions do not count.
Expiration date No public expiration date listed.
Availability Available online to Utah applicants, subject to Bank of America approval and offer eligibility requirements.
Who qualifies New cardholders approved through the applicable offer.

More official info: Bank of America Premium Rewards offer

Bank of America Premium Rewards Elite — 75,000 Bonus Points

Detail Offer
Bonus or Offer 75,000 bonus points
Product type Consumer premium travel rewards credit card
How to earn it Make at least $5,000 in purchases within the first 90 days of account opening.
Required spending $5,000 within 90 days
Annual fee $550
Potential cost $550 annual fee. No unofficial cash value is assigned to the bonus points.
Fine print Only qualifying purchases count toward the spending requirement. Separate travel and lifestyle credits are ongoing card benefits and are not part of the welcome bonus.
Expiration date No public expiration date listed.
Availability Available online to Utah applicants, subject to Bank of America approval and offer eligibility requirements.
Who qualifies New cardholders approved through the applicable offer.

More official info: Bank of America Premium Rewards Elite offer

Atmos Rewards Ascent Visa Signature — 70,000 Bonus Points + Companion Fare

Detail Offer
Bonus or Offer 70,000 bonus points plus a $99 Companion Fare, plus taxes and fees starting at $23.
Product type Co-branded airline rewards credit card
How to earn it Make at least $2,500 in purchases within the first 90 days of account opening.
Required spending $2,500 within 90 days
Annual fee $95
Potential cost $95 annual fee, plus taxes and fees associated with use of the Companion Fare.
Fine print Limited-time offer. Points and the Companion Fare are subject to Atmos Rewards and card-program terms. No unofficial cash value is assigned to the points.
Expiration date No public expiration date listed.
Availability Available online to Utah applicants, subject to Bank of America approval and offer eligibility requirements.
Who qualifies New cardholders approved through the applicable offer.

More official info: Bank of America Atmos Rewards Ascent offer

Atmos Rewards Summit Visa Infinite — 80,000 Bonus Points

Detail Offer
Bonus or Offer 80,000 bonus points
Product type Premium co-branded airline rewards credit card
How to earn it Apply through Bank of America’s current limited-time online offer and satisfy the purchase requirement shown in the application terms.
Annual fee $395
Potential cost $395 annual fee. No unofficial cash value is assigned to the 80,000 bonus points.
Fine print Bank of America’s current public card listing advertises 80,000 bonus points. Applicants should confirm the current spending requirement in the application terms before applying.
Expiration date No public expiration date listed.
Availability Available online to Utah applicants, subject to Bank of America approval and offer eligibility requirements.
Who qualifies New cardholders approved through the applicable offer.

More official info: Bank of America Atmos Rewards Summit offer

Business Credit Cards

Business Advantage Customized Cash Rewards — $500 Bonus

Detail Offer
Bonus or Offer $500 online cash rewards bonus
Product type Business cash-back credit card
How to earn it Make at least $5,000 in purchases within 90 days of account opening.
Required spending $5,000 within 90 days
Annual fee $0
Potential bonus after annual fee $500
Fine print Online-only offer. Bank of America states that the offer may not be available if the applicant leaves the offer page, visits a financial center, or applies by phone.
Expiration date No public expiration date listed.
Availability Available online to qualifying Utah businesses, subject to Bank of America approval and offer eligibility requirements.
Who qualifies Qualifying businesses approved for a new card through the applicable online offer.

More official info: Bank of America Business Advantage Customized Cash Rewards offer

Business Advantage Unlimited Cash Rewards — $500 Bonus

Detail Offer
Bonus or Offer $500 online cash rewards bonus
Product type Business cash-back credit card
How to earn it Make at least $5,000 in purchases within 90 days of account opening.
Required spending $5,000 within 90 days
Annual fee $0
Potential bonus after annual fee $500
Fine print Online-only offer and may not be available through other Bank of America application channels.
Expiration date No public expiration date listed.
Availability Available online to qualifying Utah businesses, subject to Bank of America approval and offer eligibility requirements.
Who qualifies Qualifying businesses approved for a new card through the applicable online offer.

More official info: Bank of America Business Advantage Unlimited Cash Rewards offer

Business Advantage Travel Rewards — 50,000 Bonus Points

Detail Offer
Bonus or Offer 50,000 online bonus points, redeemable for a $500 statement credit toward eligible travel or dining purchases.
Product type Business travel rewards credit card
How to earn it Make at least $5,000 in purchases within the first 90 days of account opening.
Required spending $5,000 within 90 days
Annual fee $0
Potential bonus after annual fee $500 when redeemed for the travel or dining statement-credit option specified by Bank of America.
Fine print Online-only offer and may not be available through other Bank of America application channels.
Expiration date No public expiration date listed.
Availability Available online to qualifying Utah businesses, subject to Bank of America approval and offer eligibility requirements.
Who qualifies Qualifying businesses approved for a new card through the applicable online offer.

More official info: Bank of America Business Advantage Travel Rewards offer

Atmos Rewards Visa Signature Business — 70,000 Bonus Points + Companion Fare

Detail Offer
Bonus or Offer 70,000 bonus points plus a $99 Companion Fare, plus taxes and fees starting at $23.
Product type Co-branded business airline rewards credit card
How to earn it Make at least $4,000 in purchases within the first 90 days of account opening.
Required spending $4,000 within 90 days
Annual fee $70 for the company plus $25 per card
Potential cost At least $95 for a company with one card, plus applicable Companion Fare taxes and fees.
Fine print Limited-time online offer. No unofficial cash value is assigned to the bonus points.
Expiration date No public expiration date listed.
Availability Available online to qualifying Utah businesses, subject to Bank of America approval and offer eligibility requirements.
Who qualifies Qualifying businesses approved for the card through the applicable online offer.

More official info: Bank of America Atmos Rewards Business card offer

Platinum Plus Mastercard Business — $300 Statement Credit

Detail Offer
Bonus or Offer $300 online statement credit
Product type Business credit card
How to earn it Make at least $3,000 in purchases within the first 90 days of account opening.
Required spending $3,000 within 90 days
Annual fee $0
Potential bonus after annual fee $300
Fine print Online-only offer. Bank of America states that the offer may not be available if the applicant leaves the offer page, visits a financial center, or applies by phone.
Expiration date No public expiration date listed.
Availability Available online to qualifying Utah businesses, subject to Bank of America approval and offer eligibility requirements.
Who qualifies Qualifying businesses approved for a new card through the applicable online offer.

More official info: Bank of America Platinum Plus Business offer

Great Salt Lake divider illustration with Utah mountains and shoreline

Promotional Rates

Bank of America promotions currently include a long introductory APR offer and relationship-based borrowing discounts for qualifying customers.

BankAmericard — 0% Intro APR for 21 Billing Cycles

Detail Offer
Promotional rate 0% introductory APR on purchases and qualifying balance transfers
Product type Consumer credit card
Promotional period 21 billing cycles. Balance transfers must be made within the first 60 days of account opening.
Rate after promotion A variable APR applies after the introductory period, based on creditworthiness and current card terms.
Potential cost A balance-transfer fee applies. The card has a $0 annual fee.
Fine print Balance transfers cannot be used to pay another Bank of America account. Remaining balances are subject to the applicable variable APR after the introductory period ends.
Expiration date No public expiration date listed.
Availability Available online to Utah applicants, subject to Bank of America approval and offer eligibility requirements.
Who qualifies New cardholders approved through the applicable offer.

More official info: BankAmericard introductory APR offer

BofA Rewards — Auto Loan Rate Discount

Detail Offer
Offer Interest-rate discount of 0.10% to 0.50% on eligible new Bank of America auto loans, depending on BofA Rewards tier.
Product type Auto loan relationship discount
How to qualify Be enrolled in BofA Rewards and qualify for an eligible new Bank of America auto loan.
Fine print The discount depends on BofA Rewards tier. The approved APR also depends on factors such as credit history, loan term, amount, collateral, and state of residence.
Expiration date No public expiration date listed; ongoing relationship benefit.
Availability Available to eligible BofA Rewards members in Utah who qualify for an eligible Bank of America auto loan.
Who qualifies Eligible BofA Rewards members approved for a qualifying auto loan.

More official info: Bank of America auto loan BofA Rewards benefits

BofA Rewards — Home Lending Relationship Benefits

Detail Offer
Offer Relationship-based mortgage origination-fee or rate reductions and eligible HELOC rate discounts for BofA Rewards members.
Product type Mortgage and home equity relationship benefits
How to qualify Be enrolled or eligible for BofA Rewards and qualify for an eligible Bank of America mortgage or home equity line of credit.
Benefit Mortgage benefits may include origination-fee reductions or a rate reduction at higher tiers. Eligible HELOC customers may receive a relationship-based interest-rate discount.
Fine print Benefit amounts vary by BofA Rewards tier, loan type, and program requirements. Credit, collateral, and product eligibility requirements apply.
Expiration date No public expiration date listed; ongoing relationship benefits.
Availability Available to eligible BofA Rewards customers in Utah, subject to product availability, approval, and program terms.
Who qualifies Eligible BofA Rewards customers approved for a qualifying Bank of America home lending product.

More official info: Bank of America home lending benefits

Great Salt Lake divider illustration with Utah mountains and shoreline

Referral Programs

Bank of America currently offers a public Refer-a-Friend program for eligible consumer credit card customers.

Bank of America Refer-a-Friend — Credit Cards

Detail Offer
Referral reward $100 cash rewards or 10,000 points per approved referral, depending on the referring card’s rewards currency.
Product type Consumer credit card referral program
Eligible cards Customized Cash Rewards, Unlimited Cash Rewards, and Travel Rewards are currently eligible. Bank of America says additional cards may be added during 2026.
How to earn it Access a personalized referral link through Bank of America online banking or the mobile app and share it with friends or family. The referring customer earns a reward when an eligible referral applies through the link and is approved.
Annual maximum Up to $500 cash rewards or 50,000 points per year.
Fine print The referred applicant receives the current new-account offer available through the referral link. Referral eligibility and available cards may vary by customer.
Expiration date No public expiration date listed.
Availability Available to eligible Bank of America cardholders in Utah through online banking or the mobile app.
Who qualifies Eligible Bank of America consumer cardholders with access to Refer-a-Friend.

More official info: Bank of America Refer-a-Friend announcement

Member Deals and Discounts

Bank of America customer deals currently include personalized merchant offers through BofA Rewards and free cultural admission through Museums on Us, including the Utah Museum of Fine Arts in Salt Lake City.

BofA Rewards Deals

Detail Offer
Offer Personalized cash-back deals and discounts from national and local merchants.
Product type Customer merchant-offer program
How it works Eligible customers can view personalized deals in Bank of America online banking or the mobile app. Some offers require activation before making an eligible purchase.
Potential value Varies by customer and merchant. Bank of America says BofA Rewards includes deals and discounts from more than 15,000 national and local merchants.
Fine print Offers are personalized and can vary by customer. Activation, purchase requirements, exclusions, expiration dates, and cash-back amounts depend on the individual deal.
Expiration date Varies by individual offer.
Availability Available to eligible Bank of America customers in Utah; specific offers vary by customer.
Who qualifies Eligible Bank of America customers with access to participating deals; BofA Rewards members may receive additional offers and discounts.

More official info: Bank of America BofA Rewards and Deals

Museums on Us — Utah Museum of Fine Arts

Detail Offer
Offer Free general admission during the first full weekend of each month at participating Museums on Us institutions.
Utah location Utah Museum of Fine Arts — Salt Lake City
Product type Cardholder cultural-access benefit
How to qualify Present an eligible active Bank of America, Merrill, or Bank of America Private Bank credit or debit card and a valid government-issued photo ID.
Fine print The benefit covers one free general admission for the eligible cardholder. Special exhibitions, ticketed events, enhanced experiences, additional offerings, and additional guests are generally not included. Admission is subject to the participating institution’s procedures and capacity.
Expiration date Ongoing program; participating institutions may change.
Availability Available to eligible Utah cardholders. The Utah Museum of Fine Arts in Salt Lake City is currently listed as a participating Museums on Us institution.
Who qualifies Eligible Bank of America, Merrill, and Bank of America Private Bank credit or debit cardholders.

More official info: Bank of America Museums on Us participating institutions

Salt Lake City skyline divider with temple and Utah mountains

Frequently Asked Questions

These FAQs summarize the main Bank of America bonuses and promotions currently relevant to qualifying Utah customers.

Does Bank of America currently offer a checking account bonus?

Yes. Bank of America currently offers a $100 Advantage SafeBalance Banking bonus and a tiered bonus of up to $500 for qualifying Advantage Plus or Advantage Relationship Banking customers.

Does Bank of America offer credit card welcome bonuses?

Yes. Several Bank of America consumer and business credit cards currently offer cash, points, statement credits, or companion-fare incentives for qualifying new cardholders.

Does Bank of America offer referral bonuses?

Yes. Eligible consumer credit card customers can currently earn referral rewards through Bank of America’s Refer-a-Friend program.

Are Bank of America promotions available in Utah?

Many public Bank of America promotions are available to qualifying Utah customers, but eligibility can depend on the product, application channel, customer relationship, and offer terms.

Can Bank of America have promotions that are not advertised publicly?

Yes. Bank of America may provide branch-only, targeted mail or email, preselected credit card, online or mobile banking, relationship-based, BofA Rewards, and personalized merchant offers. These may not appear publicly, so UtahFi primarily documents promotions that can be reliably verified through official Bank of America sources.

Utah ski mountain divider illustration with snowy peaks and ski lifts

Disclaimer: Promotions, bonuses, rates, eligibility requirements, and other offer terms may change or be discontinued without prior notice. UtahFi works to keep this information current but cannot guarantee that all offer details remain unchanged. Always verify the latest terms and conditions directly with the financial institution before opening an account, applying for a product, or participating in an offer.