Next on the list is Bank of America. Bank of America's lineup is pretty interesting and it was incredibly interesting before the launch of the US Bank Smartly card and the Robinhood card. And I'll say for a couple reasons, it's maybe still interesting. And if you look at any Bank of America card on face value, it's probably not gonna be that exciting.

And it becomes exciting with their preferred rewards program. They have a gold tier, a platinum tier, a platinum honors tier, and a diamond tier. And the reason that gets interesting is because whatever you earn on your credit card gets multiplied based on the tier you have. And so if you have $20,000 of combined balance across your accounts at Bank of America, which includes any accounts you have at Merrill, their partner brokerage firm, you get a increase of 25% of the points.

If you have over $50,000, then you qualify for the platinum tier and you get a 50% boost. And then at platinum honors, you get a 75% boost. And then at the diamond tier, you actually get no extra benefits on your credit card. So I don't know why that tier would be interesting to anyone.

I've never heard of anyone in the points world talk about it.