YOUR CARD COLLECTION
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Points (= travel cash back at 1¢)
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | 1.5× | — | No bonus categories — the base rate applies to all spend. |
25,000 points
Points (= travel cash back at 1¢)
25,000 online bonus points after $1,000 in purchases in the first 90 days.
Uses the workbook’s 1¢ per point assumption, not a guaranteed redemption value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Bank of America 2/3/4 rule
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Offer type, as listed: Public (online offer)