Bank of America Promotions Overview
Bank 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.
For a clearer explanation of the terminology used throughout this page, see UtahFi’s guide to bank bonuses, promotions, rewards, and incentives.
Quick Summary
Bank of America promotions currently include consumer checking bonuses, business checking bonuses, 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 | Up to $2,500 cash for qualifying new Bank of America business checking clients who meet the New Money Deposit requirements. |
| Credit Card Bonuses | Consumer and business credit cards currently offer cash rewards, bonus points, statement credits, and companion benefits, depending on the card. |
| Promotional Rates | 0% introductory APR for 21 billing cycles on BankAmericard, plus BofA Rewards auto-loan rate discounts of 0.10% to 0.50% for eligible members. |
| 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 Deals plus Museums on Us, including 1 free general admission at the Utah Museum of Fine Arts during the first full weekend of each month for eligible cardholders. |
Checking Account Bonuses
Bank of America 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. The fee can be waived by maintaining a $500 minimum daily balance, when an account owner is under age 25, or when an account owner qualifies for the Preferred Plus, Preferred Honors, or Premier tier of BofA Rewards. |
| 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. Customers who owned or co-owned a Bank of America personal checking account within the previous 12 months are not eligible. 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, and 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 accounts
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 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, including at least one qualifying direct deposit of $250 or more, a $1,500 minimum daily balance, or qualifying for the Preferred Plus tier or higher in BofA Rewards. Advantage Relationship Banking: $25 or $0 when a qualifying waiver requirement is met, including a $20,000 minimum daily balance or qualifying for the Preferred Plus tier or higher in BofA Rewards. |
| 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. Customers who owned or co-owned a Bank of America personal checking account within the previous 12 months are not eligible. 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 checking accounts
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 cash bonus of up to $2,500 for qualifying new business checking clients, along with a 12-month monthly-fee waiver for new Business Advantage Fundamentals Banking accounts in Utah.
Bank of America Business Checking — Up to $2,500 Cash Bonus
| Detail | Offer |
|---|---|
| Bonus | Up to $2,500 |
| Product type | Business checking account |
| Account | Eligible new Bank of America business checking account |
| How to earn it | Open a new eligible Bank of America business checking account through the promotional offer and make and maintain qualifying New Money Deposits. The cash bonus depends on the qualifying deposit level. |
| Required deposit/activity | Qualifying New Money Deposits are required. The specific deposit tiers needed to earn each bonus amount are not displayed on Bank of America’s public business checking page. |
| Required holding period | Bank of America states that qualifying New Money Deposits must be made and maintained, but the public business checking page does not display the specific holding period. |
| Monthly service fee |
Business Advantage Fundamentals Banking: $0 for the first 12 months, then $16 or $0 when a qualifying waiver requirement is met. Business Advantage Relationship Banking: $29.95 or $0 when a qualifying waiver requirement is met. |
| Potential account cost | Varies by account and whether the applicable monthly service fee is waived. Business Advantage Fundamentals Banking currently has no monthly fee for the first 12 months. |
| Potential bonus after fees | Up to $2,500 before any applicable account fees. The actual amount after fees depends on the account selected, bonus tier earned, and whether monthly service fees are waived. |
| Fine print | Offer is for new business checking clients. Bonus eligibility and amount depend on satisfying the applicable New Money Deposit and promotional requirements. Account approval and other offer terms apply. |
| Expiration date | No public expiration date displayed. |
| Availability | Public offer for qualifying new Bank of America business checking clients, subject to account approval and promotional terms. |
| Who qualifies | Qualifying new Bank of America business checking clients who open an eligible account through the offer and meet the New Money Deposit requirements. |
More official info: Bank of America business checking bonus
Credit Card Bonuses
Bank of America promotions currently include several consumer and business credit card welcome offers available to qualifying Utah applicants. Offers vary by card and application channel, and some are specifically identified as limited-time or online-only offers.
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 to earn the $200 bonus. The 6% choice-category rate applies during the first year and consists of the standard 3% plus a 3% first-year bonus. |
| 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 6% and 2% rates apply to the first $2,500 in combined choice-category, grocery-store and wholesale-club purchases each quarter, then 1%. After the first year, the choice-category rate returns to 3%. |
| Expiration date | No public expiration date listed. |
| Availability | Online offer available to qualifying Utah applicants, subject to approval and offer terms. |
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 | Bank of America identifies this as a limited-time online offer. The offer may not be available through other application channels. |
| Expiration date | No public expiration date listed. |
| Availability | Online offer available to qualifying Utah applicants, subject to approval and offer terms. |
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 specified by Bank of America. |
| Expiration date | No public expiration date listed. |
| Availability | Online offer available to qualifying Utah applicants, subject to approval and offer terms. |
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. |
| Expiration date | No public expiration date listed. |
| Availability | Online offer available to qualifying Utah applicants, subject to approval and offer terms. |
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 online bonus points, which Bank of America advertises as a $750 value. |
| 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 bonus after annual fee | Approximately $200, using Bank of America’s stated $750 bonus value minus the $550 annual fee. This does not assign value to the card’s separate ongoing credits or benefits. |
| Expiration date | No public expiration date listed. |
| Availability | Online offer available to qualifying Utah applicants, subject to approval and offer terms. |
More official info: Bank of America Premium Rewards Elite offer
Atmos Rewards Consumer Credit Cards — Welcome Offers
| Detail | Offer |
|---|---|
| Welcome offers | Atmos Rewards Ascent Visa Signature®: 50,000 bonus points + $99 Companion Fare, plus taxes and fees starting at $23Atmos Rewards Summit Visa Infinite®: 70,000 bonus points + 25,000-point Global Companion Award |
| Product type | Consumer airline rewards credit cards |
| How to earn it | Ascent: Make at least $1,500 in purchases within the first 90 days of account opening.Summit: Make at least $3,000 in purchases within the first 90 days of account opening. |
| Annual fee | Ascent: $95 Summit: $395 |
| Companion benefit | Ascent: $99 Companion Fare, plus applicable taxes and fees.Summit: 25,000-point Global Companion Award as part of the welcome offer. |
| Potential cost | The Ascent card has a $95 annual fee, while the Summit card has a $395 annual fee. |
| Fine print | These welcome offers are subject to the applicable Bank of America and Atmos Rewards terms. Companion benefits have separate redemption rules and restrictions. |
| Expiration date | No public expiration date listed. |
| Availability | Online offers available to qualifying Utah applicants, subject to approval and individual card offer terms. |
More official info: Bank of America airline credit card offers
Business Credit Cards
Bank of America Business Advantage Credit Cards — Up to $500 in Welcome Offers
| Detail | Offer |
|---|---|
| Welcome offers |
Customized Cash Rewards: $500 cash rewards bonusUnlimited Cash Rewards: $500 cash rewards bonus Travel Rewards: 50,000 bonus points, redeemable for a $500 statement credit toward eligible travel or dining purchases |
| Product type | Business rewards credit cards |
| How to earn it | For any of the 3 cards, 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 for all 3 cards. |
| Potential bonus after annual fee | $500 for either cash-back card, or 50,000 points redeemable for a $500 eligible travel or dining statement credit with Travel Rewards. |
| Fine print | These are online-only offers and may not be available if the applicant leaves the applicable offer page, visits a Bank of America financial center, or applies by phone. The cards have different ongoing rewards structures despite sharing the same welcome-offer spending requirement. |
| Expiration date | No public expiration date listed. |
| Availability | Online offers available to qualifying Utah businesses, subject to approval and individual card offer terms. |
More official info: Bank of America Business Advantage credit card offers
Atmos Rewards Visa Signature Business — 70,000 Bonus Points + Companion Fare
| Detail | Offer |
|---|---|
| Bonus or Offer | 70,000 bonus points + $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. No unofficial cash value is assigned to the points. |
| Fine print | Bank of America identifies this as a limited-time online offer. The Companion Fare is subject to applicable program terms. |
| Expiration date | No public expiration date listed. |
| Availability | Online offer available to qualifying Utah businesses, subject to approval and offer terms. |
More official info: Bank of America Atmos Rewards Business offer
Promotional Rates
Bank of America promotions currently include a 0% introductory APR offer and relationship-based borrowing discounts for qualifying BofA Rewards members.
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 | 14.99%–25.99% variable APR after the introductory period, based on creditworthiness and current card terms. |
| Potential cost | A 5% 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. This is an online-only offer and may not be available if you leave the offer page, visit a Bank of America financial center, or apply by phone. |
| Expiration date | No public expiration date listed. |
| Availability | Online offer available to qualifying Utah applicants, subject to approval and offer terms. |
| 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 | Member: 0.10%; Preferred Plus: 0.25%; Preferred Honors: 0.35%; Premier: 0.50%. The approved APR also depends on factors including credit history, loan amount, term, state of residence, and applicable discounts. |
| 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
Referral Programs
Bank of America currently offers a public Refer-a-Friend program for eligible consumer credit card customers, with rewards for successful referrals.
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 rewards currency of the referring card. |
| 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 card products will 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 cardholder earns a reward when a referred applicant 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 rewards are paid in the rewards currency of the referring card. 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 benefits currently include personalized merchant deals 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 | Customers can access personalized Deals through Bank of America digital banking. Available deals vary by customer, and individual offers may have their own activation and purchase requirements. |
| Potential value | Varies by customer and merchant. Bank of America says its Deals program includes cash-back deals and discounts from more than 15,000 national and local merchants. |
| Fine print | Deals vary by customer and merchant. Individual offers may have separate purchase requirements, exclusions, expiration dates, and cash-back amounts. All Bank of America clients have access to Deals, while BofA Rewards members may receive additional deals and discounts. |
| Expiration date | Varies by individual offer. |
| Availability | Available to Bank of America customers in Utah; specific deals vary by customer. |
| Who qualifies | Bank of America clients have access to Deals. BofA Rewards members may receive additional deals and discounts. |
More official info: Bank of America BofA Rewards and Deals
Museums on Us — Utah Museum of Fine Arts
| Detail | Offer |
|---|---|
| Offer | 1 free general admission during the first full weekend of each month. |
| 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 at the Utah Museum of Fine Arts welcome desk during the first full Saturday or Sunday of the month. |
| Fine print | The benefit provides 1 free general admission for the cardholder. Admission for additional guests is not included. Special ticketed exhibitions or other separately priced experiences may not be included. |
| Expiration date | Ongoing program; participating institutions may change. |
| Availability | Available to eligible Utah cardholders. The Utah Museum of Fine Arts in Salt Lake City currently participates in Museums on Us. |
| Who qualifies | Eligible Bank of America, Merrill, and Bank of America Private Bank credit or debit cardholders. |
More official info: Utah Museum of Fine Arts Museums on Us information
Frequently Asked Questions
These FAQs summarize the main Bank of America promotions currently relevant to qualifying Utah customers.
Does Bank of America currently offer a checking account bonus?
Yes. Bank of America currently offers checking account bonuses for qualifying new customers. Bonus amounts and requirements vary by eligible account and offer.
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 benefits for qualifying new cardholders.
Does Bank of America offer referral bonuses?
Yes. Eligible consumer credit card customers can 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 targeted, relationship-based, digital banking, BofA Rewards, and personalized merchant offers that are not broadly advertised. UtahFi primarily documents promotions that can be reliably verified through official Bank of America sources.
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.
