bank of america travel preferred rewards

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Preferred Rewards

Maximize your rewards earn with exclusive benefits

Members of the award-winning Bank of America Preferred Rewards® program enjoy many exclusive benefits and pricing discounts, all designed around the ways you save, spend and borrow with Bank of America and invest with Merrill. 1 When your balances work together, you can maximize the rewards you earn. On average, members increased their overall benefits to $500 a year. 2

Don't have a Bank of America checking account yet?

Open an account

*Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about Merrill pricing, visit merrilledge.com/pricing .

It's so easy to be rewarded for what you already do

There's no fee to enroll or participate in Preferred Rewards. To become a member, you'll need:

Bank of America checking account

Must be an active, eligible account

$20K 3-month average combined balance Includes balances in your Bank of America deposit and/or Merrill investment accounts

Don’t have a Bank of America account yet?

Open a checking account

Manage all your rewards in one place with Bank of America My Rewards

Track your rewards, deals and benefits throughout the year

Explore what’s available and start redeeming

Discover additional benefits so you never have to miss out

Enroll in Preferred Rewards if you're eligible

Maximize with Merrill

Your Merrill investment accounts and Bank of America deposit balances both count towards helping to maximize the Bank of America Preferred Rewards you could earn.

Awards and accolades 

Best Customer Loyalty Programs List 12

Best Bank Customer Loyalty Program 13

The Ascent (a Motley Fool service) 

Frequently asked questions

What is the Preferred Rewards program?

The Bank of America Preferred Rewards program offers real benefits and rewards on your everyday banking and investing. And as your qualifying Bank of America® deposit accounts and/or Merrill® investment balances grow, so do your benefits.

Your benefits are based on your tier, and your tier is based on the qualifying combined balances in your Bank of America deposit and/or Merrill investment accounts. Once you’re a Preferred Rewards member, you'll keep your program benefits for at least a full year, so no need to worry if your balances dip temporarily. In addition, your balances are reviewed monthly to see if you qualify for a higher tier. If so, you'll automatically move to the next level of rewards.

How do I qualify?

All you need to qualify is an eligible Bank of America® personal checking account and a three-month combined average daily balance of $20,000 or more in qualifying Bank of America deposit accounts and/or Merrill® investment accounts . Then you can enroll in the program.

Are there any fees associated with the Preferred Rewards program?

No. There is no fee to join, no fee for ongoing participation, no fee to opt-out. There are no fees associated with Preferred Rewards.

What value of benefits could I potentially earn?

The value to you will be determined by all the ways you can utilize the various benefits. On average members increased their overall benefits to $500 a year with Preferred Rewards. For example, you could potentially benefit from interest rate discounts, credit card rewards bonuses, no-fee ATM transactions and Merrill Guided Investing Program discounts. To find out more, check out our Preferred Rewards calculator .

Do I have to enroll to become a Preferred Rewards member?

Yes, through Online Banking, but enrollment is simple. There are no fees to join or participate in Preferred Rewards. And once you're enrolled, as your balances qualify you for the next level of rewards, you'll receive an automatic tier upgrade.

What happens if my program balance drops after I enroll in Preferred Rewards and I go into a grace status?

No need to worry if your balances dip temporarily; you'll keep your Preferred Rewards program status for a full year. If after a year you no longer meet the balance requirement, you'll get a three-month grace period. If you haven't met the balance requirement after those three months, you'll be moved to a lower tier or lose your Preferred Rewards benefits, if you no longer qualify.

If you meet the balance requirements again within 24 months after losing your benefits, we’ll automatically reinstate your Preferred Rewards membership. If you meet the requirements after 24 months, you’ll need to re-enroll in the program.

Learn more about how we calculate your balance and tier level

What is included in the no-fee banking services?

Here are some of the no-fee services that Preferred Rewards members are eligible for, based upon their tier:

Monthly maintenance fees are waived on checking and savings accounts, for up to four accounts for the Gold, Platinum and Platinum Honors tiers; unlimited number of accounts for Diamond tier
ATM/Debit card rush fees are waived for all Preferred Rewards tiers
Non-Bank of America ATM fees are waived for withdrawals, transfers, and balance inquiries at the Platinum tier and above – one per statement cycle for Platinum; and unlimited for Platinum Honors and Diamond tiers
ATM international transaction fees are waived for Diamond tier
Incoming domestic wire transfer fees are waived for all Preferred Rewards tiers
Outgoing wire transfer fees are waived (two per statement cycle), for Diamond tier
Check image service fee is waived for all Preferred Rewards tiers
Stop payment fee is waived for all Preferred Rewards tiers
Small safe deposit box is available for Platinum tier and above

What is My Rewards?

My Rewards is where you can see the value of all your rewards in one convenient place , whether you’re in Online Banking or on the Bank of America Mobile Banking app. 14 It tracks your Preferred Rewards benefits, credit card rewards and BankAmeriDeals® 15 in a single location, so you can review at a glance and explore other available benefits that you may not be using. Your three-month average daily balance is also displayed in My Rewards.

Do I need to open new accounts to take advantage of Preferred Rewards benefits?

It depends on which accounts you already have. To become a Preferred Rewards member, you must have an active, eligible Bank of America® checking account. Once you enroll in Preferred Rewards, you can receive benefits on your existing eligible Bank of America banking and Merrill ® investing accounts.

To take advantage of some Preferred Rewards benefits, your existing accounts may require an account conversion, or you may want to open a new account to receive other program benefits. For example, for savings and credit card benefits, you'll need:

A Bank of America Advantage Savings account , to receive the savings interest rate booster
An eligible Bank of America credit card , such as the Unlimited Cash Rewards, Customized Cash Rewards, Travel Rewards, or Premium Rewards® card, to receive the credit card rewards bonus

Once you’re enrolled in Preferred Rewards, you can speak with a specialist to convert your existing savings account to a Bank of America Advantage Savings account or open a new credit card account that's eligible for the rewards bonus.

How can I move to a higher Preferred Rewards tier?

After you enroll, you can move to a higher Preferred Rewards tier — and enjoy more benefits and rewards — by increasing your qualifying Bank of America® deposit and/or Merrill® investment balances. Every month, we'll review your three-month average daily balance and if it’s high enough, you'll receive an automatic tier upgrade. To view your qualifying three-month combined average daily balance, log in to Online Banking or use our mobile app and go to My Rewards.

Here's an example:

You’ve been a Preferred Rewards Gold tier member for six months, with an average combined daily balance in your Bank of America and Merrill accounts of $30,000. If your average balance reached $60,000 in month seven and $90,000 in month eight, you’d qualify for the Platinum tier because your three-month average daily balance would be $60,000.*

*Your tier upgrade may take a bit longer if there are other changes to your account.

What extra benefits are available in the Preferred Rewards Diamond tier?

Diamond tier members have access to a curated suite of luxury benefits and extraordinary experiences across dining, travel, culture, and more. For more details, review the exclusive benefits available to Diamond tier members.

How can Preferred Rewards help me earn more rewards on my Bank of America credit cards?

Once you’re a Preferred Rewards member, you’ll earn 25% to 75% more rewards on every purchase made with eligible Bank of America® credit cards. For example, a purchase that typically earns $1.00 in cash rewards will earn $1.25 to $1.75, depending on your Preferred Rewards tier. Bank of America credit cards offer many different benefits to enhance what matters most to you — from cash back to dining and travel rewards. Learn more about how Preferred Rewards can boost your credit card rewards .

When will my Preferred Rewards benefits become active?

Typically, Preferred Rewards benefits become active within 30 days of your enrollment. Some benefits are automatically activated upon the effective date of your enrollment, requiring no action on your part. If you’ve opened a new account and enroll in Preferred Rewards, your benefits will become active within 30 days of account opening, unless we indicate otherwise. Note that some rewards may require you to open a new account or take other action to enjoy the complete benefits.

How can I increase my balance in order to qualify for Preferred Rewards?

To meet the minimum $20,000 combined balance requirement, you can move money over from accounts at other banks or investment firms, such as 401(k) or IRA accounts, or perhaps a vacation or rainy-day fund.

Do I need to have a Bank of America® checking account to be a Preferred Rewards member?

Yes, to enroll in Preferred Rewards you’ll need an eligible Bank of America® personal checking account and a three-month combined average daily balance of $20,000 or more in eligible Bank of America deposit accounts and/or Merrill® investment accounts.

Can I enroll in Preferred Rewards now, even though I need to open a Bank of America® checking account and maintain the qualifying balance?

Yes, we offer early enrollment if you don’t currently have an eligible Bank of America® personal checking account (or haven’t had one in 12 months or more). You’ll need to open an eligible checking account, then you’ll have the option to enroll in Preferred Rewards.

You must have the minimum combined balance of $20,000 in your eligible Bank of America deposit accounts and/or your Merrill® investment accounts within 30 days of opening the checking account. Once you meet the $20,000 balance requirement, you’ll be automatically enrolled in Preferred Rewards.

This means that you can enroll in the program early, before you’ve met the three-month combined average daily balance minimum requirement of $20,000.

How could having a Merrill® investment account help me get to a higher Preferred Rewards tier?

Merrill® investment account balances count toward Preferred Rewards tier balance requirements to help you make the most of all the program benefits and get to a higher tier.

How is Merrill related to Bank of America?

Merrill and Bank of America are both wholly-owned subsidiaries of Bank of America Corporation. The Bank of America Preferred Rewards program is designed to offer benefits based on the breadth of a client’s relationship with us, including the combined balances in their eligible Bank of America® deposit accounts and/or Merrill® investment accounts.

What types of auto loans are eligible to receive the Preferred Rewards auto loan interest rate discount?

The Preferred Rewards auto loan interest rate discount only applies to new loan applications that you submit directly to Bank of America through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships.

How can I earn rewards on my Bank of America® small business accounts?

With the Preferred Rewards for Business program, you can earn valuable benefits and rewards on your everyday business banking. As your qualifying Bank of America® business deposit accounts and/or Merrill® business investment balances grow, so do your benefits.

There are three tiers in the Preferred Rewards for Business program: Gold, Platinum and Platinum Honors. Your business may be eligible to enroll if it qualifies for one of these tiers based on the combined balances in your Bank of America business deposit accounts and/or Merrill business investment accounts. Compare rewards and benefits for business

Keep in mind that your Bank of America personal accounts are not eligible to receive Preferred Rewards for Business benefits.

Does Bank of America offer deals and rewards in addition to Preferred Rewards?

Deals and rewards, including rewards credit cards like the Customized Cash Rewards card, are available in addition to Preferred Rewards. To learn more visit Rewards Central .

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Bank of America Preferred Rewards: More Rewards With Every Purchase

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Bank of America®‎ offers competitive rewards credit cards to the general public. But if you’re a banking or investment customer, the cards can become outstanding choices through the bank's Preferred Rewards program.

That’s because the bank offers accelerated points and cash back from its rewards credit cards — along with other banking goodies — as part of its loyalty program, which can be especially lucrative for high-balance customers. Credit cards that qualify for a rewards boost of 25% to 75% include:

Bank of America® Travel Rewards credit card .

Bank of America® Customized Cash Rewards credit card .

Bank of America® Premium Rewards® credit card .

Bank of America® Unlimited Cash Rewards credit card

Granted, you’ll need to keep tens of thousands of banking and investment dollars with Bank of America® to qualify for what it calls a “relationship bonus.” And credit card rewards probably aren’t the foremost factor when deciding on a financial institution for your household wealth.

Still, if Bank of America® financial products appeal to you, consider its Preferred Rewards program and the accompanying boost to credit card rewards.

» MORE: Best Bank of America® credit cards

What is the Preferred Rewards program?

With the Preferred Rewards program, Bank of America® customers get a bigger bump in credit card rewards if they stash mounds of cash at the bank or its Merrill-branded investment arms.

To qualify for the Bank of America‎ Preferred Rewards® program, you need:

A Bank of America®‎ personal checking account.

A three-month average balance of $20,000 or more in qualifying Bank of America® accounts, which include eligible Merrill investment accounts.

Preferred Rewards tiers are labeled Gold, Platinum, Platinum Honors, Diamond and Diamond Honors. Your combined balances determine the tier you're in, and the tier determines how much of a boost you get in your credit card rewards.

Once you reach a rewards tier, you can keep the program benefits for a total of 15 months if your balances drop below the thresholds.

Preferred Rewards offers more than extra credit card rewards. You can also get interest-rate boosts on money market accounts, no-fee ATM transactions, reduced mortgage origination fees and loan rate discounts, among other perks. For more information, see the Bank of America® website .

How card rewards add up

Rewards credit cards under the Bank of America brand qualify for Preferred Rewards. Excluded are business credit cards and such non-rewards cards as the BankAmericard® credit card , the bank’s secured cards and its non-rewards student card.

Bank of America® Travel Rewards credit card

The Bank of America® Travel Rewards credit card gives you 1.5 points per dollar spent on all purchases.

Here’s how the annual rewards rack up for a consumer charging $1,000 per month on the card.

Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card pays 3% cash back in a spending category of your choice and 2% at grocery stores and wholesale clubs, on up to $2,500 in combined spending per quarter; all other spending earns 1%. Choices for the 3% category include gas/EV charging; online shopping (including cable, streaming, internet and phone plans); dining; travel; drugstores; or home improvement/furnishings. You can update your category for future purchases once each calendar month; do nothing, and it stays the same.

Here's how those rates translate when you take Preferred Rewards into account:

Bank of America® Premium Rewards® credit card

The Bank of America® Premium Rewards® credit card earns unlimited 2 points per dollar spend on travel and dining and 1.5 points per dollar on other purchases. With Preferred Rewards:

The Bank of America® Unlimited Cash Rewards credit card is the newest addition to the Bank of America® family of cards. It earns a flat rate of 1.5% cash back on all purchases, with no limits or expiration rules.

If you like the simplicity of earning cash and not worrying about categories, this card is a solid option for a $0 -annual fee.

Why you might avoid Preferred Rewards

Compare Bank of America® account offerings for banking and investing with other choices. Higher fees and expenses on some financial products — or lower savings rates — could reduce or wipe out bonus earnings from credit card rewards.

NerdWallet rates Bank of America® banking offerings as fair overall, although the bank excels at some aspects and not others.

Credit card rewards shouldn’t drive your decision on where to do banking and investing. But if your relationship with Bank of America® qualifies you for preferred status, be sure to reap your Preferred Rewards.

» MORE: How to choose a bank

On a similar note...

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Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

bank of america travel preferred rewards

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Credit Cards > Reviews

Bank of America Preferred Rewards program 2024 review

Sarah Brady

Glen Luke Flanagan

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:09 p.m. UTC Feb. 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Bank of America’s Preferred Rewards program provides opportunities for the institution’s customers to boost the rewards earned on their credit cards, increase the interest earned on savings account funds and enjoy reduced interest rates and fees on certain financial products such as mortgages and auto loans.

The Preferred Rewards program charges no fees for participating, and the perks make it a no-brainer for those who qualify. But the threshold for entry might be daunting to some, as the lowest tier requires a combined average daily balance of $20,000 or more in Bank of America and Merrill accounts over the past three months.

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Welcome Bonus

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

15 billing cycles of intro APR financing on both new purchases and on qualifying balance transfers.
Earn an unlimited 1.5 points per $1 on purchases.
No foreign transaction fees so it’s a good choice to use abroad.
Points must be redeemed towards eligible travel and dining purchases for maximum redemption value.
You can’t transfer rewards to airline or hotel partners.

Card Details

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
Contactless Cards – The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

What is the Bank of America Preferred Rewards program?

Bank of America Preferred Rewards is a program for customers who meet certain criteria in terms of funds in Bank of America bank accounts or investments with Merrill. It offers five tiers, and comes with a package of perks including more cash back on certain Bank of America credit cards and waived or discounted fees on various other types of accounts. The Preferred Rewards program tiers, from lowest to highest, are as follows:

Platinum Honors
Diamond Honors

Even at the lowest tier, the Gold level, you’ll get the following benefits:

Elevated rewards for spending on eligible credit cards.
Increased interest rate on savings accounts .
Waived maintenance fees on checking and savings.
Discount on auto loans and mortgage origination fees.
Merrill Guided Investing Program discounts.

Customers who qualify for the Diamond and Diamond Honors tiers will also have access to “lifestyle benefits.” Not much is disclosed about these benefits upfront, but they may include exclusive travel packages, extensive golf course access and savings on certain luxury automobile brands like Mercedes.

How does the Preferred Rewards program work?

When you enroll for Preferred Rewards, your combined average account balances over the prior three months will be used to determine which Preferred Rewards tier you fall into. Any of the following accounts on which you’re an owner or co-owner will be will be considered to determine your eligibility:

Bank of America – checking, savings, certificate of deposit and IRAs.
Merrill – Cash Management Accounts, IRAs and 529 Plans.

Another perk of the program is that you can’t lose your tier status if you dip below the minimum balance requirement during the first year. You can, however, be automatically moved to a higher tier if your balances increase.

Preferred Rewards tiers

What credit cards are eligible for preferred rewards.

Bank of America’s web page on boosting your credit card rewards through the Preferred Rewards program lists five cards that are eligible. You can use any of the following cards with the program, as long as your account is open and has active charging privileges.

Bank of America® Customized Cash Rewards credit card
Bank of America® Unlimited Cash Rewards credit card
Bank of America® Premium Rewards® credit card
Bank of America® Premium Rewards® Elite credit card * The information for the Bank of America® Premium Rewards® Elite credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Note that co-branded credit cards issued by Bank of America are not eligible for the program.

Also, this program is specifically for consumer products. Thus, small business credit cards are not eligible. However, the bank also offers a similar program for business owners called Preferred Rewards for Business.

How do I join the Preferred Rewards program?

You’ll need an active and eligible Bank of America checking account in order to enroll in Bank of America’s Preferred Rewards program. Customers can enroll by logging in to their online banking account. No documents are required to complete enrollment and there’s no fee to sign up or to participate.

Benefits typically become active within 30 days of enrollment.

Frequently Asked Questions (FAQs)

Bank of America Preferred Rewards is a program that customers of the bank can enroll in, if they meet eligibility requirements, to increase their credit card rewards. The bank issues a variety of popular cash-back and points-earning credit cards, including the Customized Cash Rewards credit card and the Unlimited Cash Rewards credit card. Both of these are eligible for boosted earnings through the Preferred Rewards program.

A Preferred Rewards client is someone who is enrolled in Bank of America’s Preferred Rewards Program. You may be eligible to enroll if you have at least $20,000 in combined deposits in your Bank of America accounts and your Merrill investment accounts.

The Preferred Rewards program is worth it for eligible Bank of America customers since there are no fees or charges for enrolling, and the program can help you earn more interest on savings and more rewards on credit card spending, not to mention providing discounts on other financial products from the bank.

The value of Bank of America rewards points can vary depending on how you use them. According to Bank of America’s website, 50,000 online bonus points potentially have a value of $500.

Note that rewards points are not one of the benefits you get with the Preferred Rewards program. Rather, you earn these points by making purchases on an eligible Bank of America rewards credit card.

*The information for the Bank of America® Premium Rewards® Elite credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Sarah Brady is a personal finance writer and educator who's been helping individuals and entrepreneurs improve their financial wellness since 2013. Sarah's other publications include Investopedia, Experian, the National Foundation for Credit Counseling (NFCC), Credit Karma and LendingTree and her work has been syndicated by Yahoo! News and MSN. She is also a former HUD-Certified Housing Counselor and NFCC-Certified Credit Counselor.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

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Chase Sapphire Preferred vs. Bank of America Travel Rewards: Which should beginner travelers get?

Editor's Note

If you're jumping into the travel rewards game, picking which credit card to start with can be overwhelming. There are a lot of competitive options, each with its own set of advantages and disadvantages.

In this guide, I will walk through two popular beginner travel credit cards — the Chase Sapphire Preferred Card and the Bank of America® Travel Rewards credit card . Both offer an entry point into earning travel rewards, but which is best for your wallet?

Chase Sapphire Preferred vs. Bank of America Travel Rewards comparison

Before we dive deeper into how these cards stack up against each other, let's run through a quick overview of each card's details.

*Point value is based on TPG calculations and is not provided or reviewed by the issuer.

Sapphire Preferred vs. BofA Travel Rewards welcome offer

The Chase Sapphire Preferred clearly has a superior bonus in terms of value. You'll receive 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, which is worth up to $1,200 according to TPG valuations .

By comparison, you'll only get 25,000 points after spending $1,000 in the first 90 days of account opening (a $250 value) from the Bank of America Travel Rewards credit card .

However, something to keep in mind here is the spending requirements. While you must spend $4,000 in the first three months to earn the Chase Sapphire Preferred bonus, you'll only need to spend $1,000 in the first 90 days with the Bank of America Travel Rewards credit card.

At the end of the day, the value of the bonus doesn't matter if you can't reasonably hit the spending requirements. For those with smaller budgets, the Bank of America Travel Rewards sign-up bonus might be the more attainable (and therefore more beneficial) option — though be sure to check out our guide on reaching minimum spending thresholds for tips on how to hit a higher requirement.

Winner : Sapphire Preferred.

Sapphire Preferred vs. BofA Travel Rewards benefits

Neither of these cards is a premium travel card , which means they offer comparatively few additional benefits.

That said, the Chase Sapphire Preferred stands ahead in this category, as it does offer cardholders at least one complimentary year of DashPass service, which gives you $0 delivery fees and reduced service fees on eligible DoorDash food delivery and takeout purchases (must activate by Dec. 31, 2024).

You'll also get a $50 annual hotel statement credit for reservations booked through the Chase travel portal, plus a solid lineup of credit card protections , including trip cancellation/interruption insurance, primary car rental coverage, baggage delay insurance, trip delay reimbursement, travel and emergency assistance services, purchase protection and extended warranty protection.

On the other hand, the Bank of America Travel Rewards card is much more limited, though — like the Sapphire Preferred — it is a Visa Signature card, so that will provide some benefits .

Earning points on the Sapphire Preferred vs. BofA Travel Rewards

Once again, the Chase Sapphire Preferred comes out ahead in the earning department. You'll earn 3 points per dollar on dining and 2 points per dollar on travel purchases, plus 5 points per dollar on Lyft purchases (through March 2025).

On the other hand, the Bank of America Travel Rewards credit card earns 1.5 points per dollar across all purchases. However, preferred cardholders can boost this earning rate significantly. If you are an existing Bank of America customer with enough money stashed away with the bank to qualify for the Preferred Rewards program , you can earn anywhere from 1.87 points per dollar to 2.62 points per dollar on all purchases.

Those who are Platinum Honors Preferred Rewards members (meaning you'll earn 2.62 points per dollar on all purchases) might end up getting more value from earning this higher flat rate across all purchases in the long term.

Winner: Sapphire Preferred.

Redeeming points on the Sapphire Preferred vs. BofA Travel Rewards

Another major difference between the two cards is the redemption options.

The Bank of America Travel Rewards credit card earns fixed-value points, like cash back on eligible purchases. You can redeem your Bank of America Travel Rewards points at a value of 1 cent apiece as a statement credit to cover travel and dining purchases. Otherwise, you'll get 0.6 cents value from each point by requesting a check or deposit from the bank.

With the Sapphire Preferred, you can redeem your points at a 25% bonus for travel when you book through the Chase travel portal, plus you get many more options when transferring points (see below).

Transferring points on the Sapphire Preferred vs. BofA Travel Rewards

The Chase Sapphire Preferred offers a lot more flexibility in its redemption options. You can transfer points at a 1:1 rate to one of Chase's 14 valuable transfer partners . At a minimum, you can get a 1.25-cent value from your points through the Chase portal, but transferring to the right partner could get you even more value.

While there's something to be said about the simplicity of Bank of America's redemption process, Chase still takes the cake with more potential value and flexibility.

Should I get the Sapphire Preferred or BofA Travel Rewards?

On paper, the Chase Sapphire Preferred is certainly the more valuable credit card. It comes with a higher sign-up bonus, a more robust earning rate (unless you are one of the few who have over $100,000 in eligible Bank of America banking or investment accounts to qualify for Platinum Honors Preferred Rewards status), more value and flexibility in redemption options and more travel protections.

However, that doesn't automatically mean it's the better card for you .

For starters, the Chase Sapphire Preferred comes with a $95 annual fee. While many will be able to easily offset that cost with the Chase Sapphire Preferred's earning rates and other benefits, beginners with small budgets may want to start with a no-annual-fee credit card like the Bank of America Travel Rewards card.

Something else to consider is that the Bank of America Travel Rewards credit card is great for beginners who do not want to worry about maximizing redemption options or varied bonus categories. You're earning a flat rewards rate across every purchase, no matter what.

And then, those rewards can be redeemed at a fixed rate as a statement credit. It's simple and easy, which may appeal to beginners who feel overwhelmed at the idea of transfer partners and travel portal redemptions.

Bottom line

While both may be considered starter travel credit cards , each appeals to a different audience. For those who hope to build a robust travel credit card strategy and learn about how to maximize transfer partners and card pairings, the Chase Sapphire Preferred is a great starting place.

But if the thought of navigating transferring points to a specific airline and juggling different bonus categories and temporary perks makes you break out into hives, the simplicity of the Bank of America Travel Rewards credit card makes it an excellent choice.

At the end of the day, it's all about deciding which type of travel credit card meets your specific wants and needs.

Official application link: Chase Sapphire Preferred

Official application link: Bank of America Travel Rewards

A dditional reporting by Madison Blancaflor.

Bank of America Travel Rewards card vs. Chase Sapphire Preferred

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Key takeaways

When it comes to travel-related card perks, the Chase Sapphire Preferred is an overall better choice than the Bank of America Travel Rewards credit card, but the Travel Rewards can still be the right choice for some people.
Bank of America offers a Preferred Rewards program that boosts the rewards rates of its credit cards, so if you're already a member of this program, you'd get a lot more value out of this card
The Sapphire Preferred also has a better welcome bonus offer and a higher overall rewards rate, but the Travel Rewards card has no annual fee and offers a 0 percent introductory APR on purchases and balance transfers.

If you’re trying to decide between the Bank of America® Travel Rewards credit card and the Chase Sapphire Preferred® Card , you have quite a bit to think about. For example, you’ll have to consider your routine spending habits, the type of rewards you want to earn and whether you’re comfortable paying an annual fee.

In the meantime, you should also consider whether you could benefit from a 0 percent APR on purchases for a limited time. Why? Because only one of these cards gives you this opportunity.

While the Bank of America Travel Rewards card and Chase Sapphire Preferred have quite a bit in common, there are some areas where one card undoubtedly beats out the other. Read on to learn which of these cards wins in the most important categories, as well as reasons to sign up for either option.

Main details

Bank of america travel rewards card vs. chase sapphire preferred highlights.

Both cards offer generous rewards for travel and let you redeem your points for flexible options. However, the Chase Sapphire Preferred beats out the Bank of America Travel Rewards card in the more important categories.

Chase Sapphire Preferred

Why it wins.

While you do have to meet a higher spending threshold ($4,000 within three months of account opening) to earn the welcome bonus on the Chase Sapphire Preferred, the spending threshold is still reasonable, and the bonus is worth significantly more.

Chase Ultimate Rewards points are worth a minimum of 1 cent each when redeemed for cash back or statement credits, so 60,000 bonus points have a baseline value of $600. However, users get 25 percent more value when they redeem for travel through the Chase Ultimate Rewards portal, so these points are worth $750 in travel when redeemed through Chase.

By contrast, the 25,000 online bonus points you can earn with the Bank of America Travel Rewards card (after spending $1,000 within the first 90 days) are only worth $250. And even with the rewards rate boost from being a Bank of America Preferred Rewards member (more on that later), the welcome bonus would only be worth $437.50, which is still less than the Sapphire Preferred’s bonus.

The Bank of America Travel Rewards card does offer a higher rate of 1.5X points on all regular spending compared to the Sapphire Preferred, and Preferred Rewards members can earn even more than that.

The Bank of America Preferred Rewards program allows cardholders who have over a certain amount of money in eligible Bank of America accounts to get special perks and rewards rates. Here’s the breakdown for each Preferred Rewards tier:

So if you were a Preferred Rewards Platinum Honors member or higher, you’d earn 2.62X points instead of just 1.5X, which is a significant boost in rewards. However, the savings threshold for a 75 percent boost is pretty high, and even with a boost like this, the Travel Rewards card has no bonus categories for customers to maximize.

On the other hand, the Chase Sapphire Preferred offers more rewards in several everyday categories. For example, Sapphire Preferred cardholders earn:

5X points on travel through Chase Ultimate Rewards (and on Lyft rides through March 2025)
3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)
2X points on general travel
1X points on everything else

These lucrative bonus categories can help the average family boost their rewards despite the lower rate of 1X points on non-bonus spending.

Bank of America Travel Rewards card

The Bank of America Travel Rewards credit card doesn’t charge an annual fee , so it wins in this category. With no annual fee to pay or keep track of, this Bank of America travel card is an easy option to keep for the long haul. In comparison, the Chase Sapphire Preferred charges a $95 annual fee, and it’s not waived the first year.

With the Bank of America Travel Rewards credit card , new customers are eligible for an introductory 0 percent APR on purchases and balance transfers for 18 billing cycles, followed by a variable APR of 18.24 percent to 28.24 percent. This offer can be immensely helpful for consumers who want to pay down large purchases over time, as well as those who may need to carry a balance when cash is tight. Just remember that intro balance transfers for this card must be made in the first 60 days from account opening, and a 3 percent fee ($10 minimum) applies to all balance transfers.

If you carry a balance on the Chase Sapphire Preferred, you’ll pay a variable APR of 21.49 to 28.49 percent right off the bat. Even on the lower end, the interest you’ll pay will cost significantly more than the value of the rewards you can earn with this card.

Which card earns the most?

Now for the interesting part. Which of these travel credit cards will net you the most in rewards? That really depends on how you use your card and the categories you spend the most in.

Our spending example shows how much the average family might earn with either card.

Bank of America Travel Rewards card vs. Chase Sapphire Preferred spending example

This example scenario shows the average rewards for a family of four with a man and woman under the age of 50 and two kids between the ages of 9 and 11. The average food spending for this family would work out to $1,324.30 per month (or $15,891.60 per year) on a moderate plan, according to the USDA .

Since we’re comparing cards for people who travel, let’s also estimate that this family spends $5,000 per year on airfare, hotels and other travel purchases, with half of it able to be booked through the Ultimate Rewards portal. Add onto that $300 per month ($3,600 per year) in restaurant purchases and $1,000 per month ($12,000 per year) on miscellaneous purchases.

With the Bank of America Travel Rewards credit card, earnings would total 68,420 to 95,606 points, depending on their Preferred Rewards membership status. With the Chase Sapphire Preferred credit card, earnings would total 87,973 points. As you can see, the Chase Sapphire Preferred would net more points overall — but with some caveats.

Which card will suit your spending habits?

The Chase Sapphire preferred only has boosted rewards rates on grocery purchases if you make those purchases online, and its 5X rewards rate on travel only applies to purchases made through the Chase Ultimate Rewards portal. Without shopping online or using the Chase Ultimate Rewards portal, you’d get less points.

Also, the Bank of America Travel Rewards credit card could earn more if you’re at least at the Preferred Rewards Platinum Honors member tier or higher.

If you’re already a Bank of America loyalist and plan on keeping your Platinum Honors status or higher, then the Travel Rewards card might be better off for your budget. But if you’re not a Preferred Rewards member, you’ll likely get more mileage out of your Sapphire Preferred — especially given that their points are worth much more if you transfer them to a high-value travel partner.

Why should you get the Chase Sapphire Preferred?

The spending example above shows that the Chase Sapphire Preferred can help the average family earn more rewards on their spending, but there are other reasons to sign up for this card.

Additional benefits

Primary rental car coverage
Trip cancellation and interruption insurance worth up to $10,000 per person and $20,000 per trip
Baggage delay insurance
Trip delay coverage
Travel and emergency assistance services
Purchase protection against damage or theft
Extended warranties

Redemption options

British Airways
Southwest Rapid Rewards
United MileagePlus
Marriott Bonvoy
World of Hyatt

When you transfer your rewards to partners for premium redemptions, Chase points can be worth up to 2 cents each, according to the latest valuations from Bankrate .

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Why should you get the bank of america travel rewards card.

While the Chase Sapphire Preferred is hard to beat, there are some compelling reasons to choose the Bank of America Travel Rewards card instead — its lack of an annual fee among the biggest. Other reasons to sign up include a generous intro APR period and unique opportunities to boost your earnings.

The Bank of America Preferred Rewards program. As previously stated, this program allows cardholders to earn 25 percent to 75 percent more points depending on their combined balance between eligible Bank of America or Merrill accounts.
The BankAmeriDeals program. By activating your BankAmeriDeals offers , you can earn additional cash back with a rotating selection of retailers.
The Museums on Us program. This program allows Bank of America cardholders to earn free entry to select cultural centers during the first week of every month.
Trailer parks, motorhomes and recreational vehicle rentals
Campgrounds
Car, truck, trailer and boat rentals
Cruise lines
Travel agencies, tour operators and real estate agents
Passenger trains
Taxis, ferries and limousines
Parking lots and garages
Tolls and bridge fees
Tourist attractions and amusement parks
Art galleries and museums
Carnivals and circuses
Aquariums and zoos

The Travel Rewards card also lets you redeem your points for gift cards and cash back as a deposit into an eligible Bank of America or Merrill Money Management account.

The bottom line

The Chase Sapphire Preferred definitely has more to offer out of these two cards, yet the Bank of America Travel Rewards card’s lack of an annual fee and generous intro APR makes it a good option, too — especially if you already have a significant amount of money saved up in Bank of America accounts.

If you still can’t decide between these two cards, however, it never hurts to compare them to alternative travel credit cards from Chase , Bank of America and other major issuers.

Issuer-required disclosure statement

Information about the Bank of America® Travel Rewards credit card was last updated on February 7, 2024.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

“ Official USDA Food Plans ” U.S Department of Agriculture. Accessed on February 7, 2024.

“ Museums on Us ” Bank of America. Accessed on February 7, 2024.

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Keep in mind that your Bank of America personal accounts are not eligible to receive Preferred Rewards for Business benefits.

Does Bank of America offer deals and rewards in addition to Preferred Rewards?

Deals and rewards, including rewards credit cards like the Customized Cash Rewards card, are available in addition to Preferred Rewards. To learn more visit Rewards Central .

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This is the No. 1 most-recommended travel credit card in America

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If you’re like the vast majority of us, you probably have plans to travel this year. Nearly nine in 10 Americans in a recent TripIt survey said they’ve already traveled in the past three months. Of those who are planning a vacation in 2023, one in four said they expect to pay for one of those trips with credit card rewards, according to a Forbes Advisor survey.

To help with that endeavor, we’ve pulled together the 10 most recommended travel rewards credit cards for May 2023 (more details below). To create this ranking, our team scours the internet in search of credit card recommendations from 16 of the most-trusted financial sites in America, including Forbes, The Wall Street Journal’s Buy Side, CNBC, Money, and more (full methodology below). We then rank these accounts based on the total number of recommendations. Here are the top picks:

Most recommended: Chase Sapphire Preferred ® Card
Best for flat-rate rewards: Capital One Venture Rewards Credit Card
Best for high-end travel: Capital One ® Venture X ®
Best for annual cash: The Platinum Card ® from American Express
Best for dining rewards: American Express ® Gold Card
Best for no-fee travel: Discover it® Miles
Best for luxury travel: Chase® Sapphire Reserve Card
Best for occasional travelers: Bank of America ® Travel Rewards credit card
Best for everyday purchases: Citi Premier® Card
Best no-fee rewards: Wells Fargo Autograph℠ Card

There is little question rising inflation has left its impact on travel costs this year. The price of airfare surged 17.7% over the past 12 months, dining out climbed 8.8% and lodging costs rose 7.3%, over the period. That said, NerdWallet credit cards expert Sara Rathner says the right travel card can potentially help offset some of the rising costs. “If you’re loyal to a specific airline or hotel brand, carrying the brand’s credit card can get you access to really helpful extras like free checked bags, priority boarding, discounts on in-flight food and beverage purchases, room upgrades, late checkout and more,” Rathner says, adding however that “if you don’t stick to any one airline or hotel, a general travel rewards credit card can give you a lot of flexibility since you can redeem those points in a variety of ways.”

Most recommended

Winner: 13 ‘best of awards’

Chase Sapphire Preferred ® Card

A high introductory bonus for newcomers, solid rewards package, and credit available on nearly all facets of travel; it doesn’t take long to see why the Chase Sapphire Preferred ® Card is the most recommended card of May 2023. There’s even points for Lyft rides and spending at supermarkets.

Rewards: Earn 5x points on travel purchased through Chase Ultimate Rewards ® , excluding hotel purchases that qualify for the card’s $50 Annual Ultimate Rewards Hotel Credit, and earn 2x points on all other travel. You can also earn 5x points on Lyft rides when you travel through March 31, 2025 (or 3 points in addition to the 2x points earned for travel. For streaming services and online supermarket purchases, you can earn 3x points, and 1x point for each dollar spent on all other purchases.

Welcome bonus: Earn 80,000 bonus points — the equivalent of $1,000 — toward travel through Chase Ultimate Rewards ® when you spend $4,000 in the first three months of account opening.

Annual fee: $95

Regular APR: 20.74% to 27.74%, variable APR based on creditworthiness.

Intro APR: None

Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is higher

Foreign transaction fee: None

Credit requirements: 670-850 (Good to Excellent)

Good bonus for newcomers
Flexible redemption options
Good travel coverage
High intro bonus
Dining rewards
Has an annual fee
Complex rewards package
Does not offer Global Entry/TSA PreCheck application fee credit
No intro APR
Best rates are only for bookings through Chase

Best for flat-rate rewards - Capital One Venture Rewards Credit Card

It doesn’t take long to see why this card from Capital One was one of the most recommended for March. With unlimited two miles per $1 on every purchase and five miles per $1 on hotels and rental cars, the points here add up fast. What’s more, new cardholders can also earn 40,000 bonus miles for spending $1,000 in the first three months of opening an account.

Rewards rate: 2 unlimited miles per $1 on every purchase and 5 unlimited miles per dollar on hotels and rental cars booked through Capital One Travel

Welcome bonus: 75,000 bonus miles after spending $4,000 on purchases within the first three months of opening an account

Regular APR: 20.74%, 25.74% or 28.74% variable APR based on creditworthiness.

Intro APR: N/A

Balance transfer fee: 0% at the regular transfer APR

Good rewards package
Global Entry or TSA PreCheck application fee credit up of to $100 every 4 years
Comes with travel accident and car rental insurance
3% fee on transferred balances that post to your account during a promotional APR period
No introductory APR
$95 annual fee
Rental car insurance is secondary

Best for high-end travel - Capital One® Venture X®

This card from Capital One really has it all. Earn points for hotels, flights and all other purchases; take advantage of its solid sign-up bonus; and enjoy access to 1,300+ airport lounges for you and your guests. There is also a premium rental car program with Hertz and rewards for hotels when booked through Capital One Travel. All in all, we really love the Capital One ® Venture X ® credit card and it’s easy to see why it’s so highly recommended.

Rewards: Unlimited 2x miles on all eligible purchases, 5x on flights, and 10x on hotels and rental cars when booked through the Capital One ® Travel portal. Receive a $100 credit on Global Entry or TSA PreCheck ® and a $300 annual travel credit for bookings through Capital One Travel. Just for resigning, the Capital One ® Venture X ® also delivers an additional 10,000 miles, equal to $100, after your first year.

Welcome bonus: 75,000 miles after spending $4,000 within the first three months of opening an account

Annual fee: $395

Regular APR: 21.74%, 25.74% or 28.74% variable APR based on your creditworthiness.

Balance transfer fee: None at the transfer APR

Credit requirements: 740-850 (Excellent)

Unlimited miles
Good travel credits and perks
Access to Hertz President’s Circle for car rentals
Access to Capital One Lounges for you and 2 guests per visit
High requirements for sign-up bonus
Excellent credit required

Best for annual cash - The Platinum Card® from American Express

Yes this card has one of the highest annual fees in the ranking, but it may just be what you’re looking for. Like most travel rewards cards, this one comes with points for flights and hotels, and also cash back on entertainment as well as online and in-person shopping rewards at Walmart; all of which can add up to as much as $1,500 in annual statement credits. In addition, there is a sizable sign-up bonus and you can also apply for a preferred metal card design. Enrollment required for select benefits. Terms apply. See rates and fees.

Rewards: Earn a $200 hotel credit, $200 airline fee credit, $155 Walmart+ credit, $240 digital entertainment credit, $200 in Uber Cash, $300 Equinix Credit and SoulCycle at-home bike credit, each year. You can also earn a $189 CLEAR credit to help move faster through security checkpoints and a $100 statement credit annually for purchases at Saks Fifth Avenue or saks.com.

Welcome bonus: Earn 125,000 Membership Rewards ® points after spending $6,000 in the first six months of card membership. You can also earn either the classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu metal card design.

Annual fee: $695

Regular APR: 20.74% to 28.74% variable APR based on creditworthiness and other factors determined at the time of account opening.

Balance transfer fee: N/A

Large number of travel credit and perk options
Points are transferable to airlines including Delta Airlines
Great sign-up bonus
WIde range of airline and hotel partners
Annual fee is among the highest in the category
Limited bonus categories
Redeeming and maximizing credits can be complicated

(Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit www.americanexpress.com to learn more.)

Best for dining rewards - American Express® Gold Card

Earn points for flights, rides and shopping with this top-ranked credit card. Rewards here are also good at restaurants and on takeout and deliveries in the U.S., grocery shopping at U.S. supermarkets, and all other everyday purchases. Cardholders also have access to premium seating at cultural and sporting events. Enrollment required for select benefits. Terms apply. See rates and fees .

Rewards: 4x Membership Rewards ® points at restaurants around the world and at U.S. supermarkets (on up to $25,000 in purchases) per year. 3x Membership Rewards ® points for flights booked with amextravel.com and 1x point on all other purchases. There is a $120 dining credit and $120 annual Uber Cash credit for both rides in the U.S. and food purchases on UberEats.

Welcome bonus: 90,000 Membership Rewards ® points — depending on the offer — after spending $4,000 within the first six months of card membership.

Annual fee: $250

Regular APR: 20.74% to 28.74% variable APR based on creditworthiness and other factors as determined at the time of account opening.

Points are transferable to various airlines including Delta Airlines
Good rewards for U.S. supermarkets
$120 dining credit
$120 Uber Cash
Points at U.S. supermarkets
Relatively pricey annual fee
Few travel perks
Rewards must be redeems via amextravel.com
$250 annual fee

Best for no-fee travel - Discover it® Miles

Earn 1.5x miles for every dollar spent and the balance never expires. Miles used here are also redeemable for hotel rooms, rental cars, rideshares, gas stations, restaurants and more without blackout dates. Even more, Discover also matches your miles earned at the end of the first year, so be sure to use this one a lot right out of the gate.

Rewards: Earn 1.5x miles on every dollar with purchases and redeem miles to pay any part of your monthly bill, including your minimum payment.

Welcome bonus: Welcome offer matches every mile you earn at the end of your first year

Annual fee: $0

Regular APR: 16.74% to 27.74% variable APR

Intro APR: 0% intro APR for 15 months from date of account opening that post to your account by June 10, 2023, then the standard purchase APR of 16.49% variable to 27.49% variable applies, based on your creditworthiness.

Balance transfer fee: 3% intro fee for the amount of each transfer that posts to your account by Aug. 10, 2023 with the previously mentioned 0% intro APR balance transfer offer. After that, the rate becomes 5% of the amount of each transfer.

Foreign transaction fee: N/A

No annual fee
First year miles match is a unique bonus offer
No blackout dates
Redeem rewards for cash back
No limit for earning miles
Earned miles do not expire
Rewards are not as good after the first year
Miles can be transferred to airline frequent-flyer programs
Does not include Global Entry or TSA PreCheck statement credit offerings
No access to airport lounges

Best for luxury travel

Winner: 9 ‘best of awards’

Chase ® Sapphire Reserve Card

If you don’t mind paying the annual fee, the Chase ® Sapphire Reserve Card just might be the tool for you. With this card in your wallet, you can easily earn cash towards travel and points for flights, hotels and dining, and a whole lot more. This one ultimately pays for itself with its high rewards package and attractive introductory offer. It’s easy to see why this credit card is among the most recommended on the market.

Rewards: Earn $300 in statement credits as reimbursement for travel purchases each year. After meeting that threshold, earn an additional 5x points on flights when you use Chase Ultimate Rewards ® card, 10x points on hotels and car rentals, and 3x points on all other travel purchases. Your points are also worth 50% more when you redeem them via the Ultimate Rewards. There are also 10x points on Chase Dining SM and 1x point per dollar spent on all other purchases. What’s more, receive Global Entry or TSA PreCheck ® or NEXUS Fee Credit access, earn exclusive reservations at popular restaurants, 10x points on Lyft, complimentary DoorDash and DashPass subscriptions, a $10 monthly statement credit from Gopuff, as well as VIP access and early ticket sales to sporting events, festivals and more.

Welcome bonus: Earn 60,000 bonus points — the equivalent of $900 — toward travel through Chase Ultimate Rewards ® when you spend $4,000 within the first three months of account opening.

Annual fee: $550; and additional $75 for each authorized user

Regular APR: 21.74% to 28.74% variable APR based on your creditworthiness.

Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater

Great travel perks and rewards
Point value can be increased by 50% after redeeming through Chase Ultimate Rewards®
Excellent credit required
High annual fee

Best for everyday purchases - Citi Premier® Card

In addition to earning solid points at airports and hotels, the Citi Premier ® Card also comes with a large lineup of everyday perks. To be sure, redeemable points here amount to 3x for every $1 spent at restaurants, supermarkets, gas stations and even matches on other purchases. Just be sure to qualify for the intro bonus and claim your $600 in gift cards to add to your perks.

Rewards: Earn 3x points per dollar at restaurants, supermarkets, gas stations, air travel and hotels; and 1x point per dollar on all other purchases. There is also a $100 annual hotel savings benefit for this card when you spend $500 or more when booked through thankyou.com.

Welcome bonus: Earn 60,000 bonus points when you spend $4,000 in the first three months of account opening and redeem them for travel rewards or in the form of a $600 gift card at thankyou.com.

Regular APR: 20.74% to 28.74% variable APR based on your creditworthiness

Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Great lineup of travel partners
Earn points for everyday purchases
Contactless pay option
Travel insurance is not offered

Best for occasional travelers - Bank of America® Travel Rewards credit card

The points here are pretty straightforward. Earn 1.5 points for every $1 spent on all purchases everywhere. What makes this card unique is you can also redeem your point for statement credits to pay for travel and dining purchases.

Rewards: Earn unlimited 1.5 points per $1 spent

Welcome bonus: Earn 25,000 online bonus points after making a minimum of $1,000 in purchases in the first 90 days of account opening. That can be redeemed as a $250 statement credit toward travel purchases.

Regular APR: 17.74% to 27.74% variable APR on purchases and balance transfers

Intro APR: 0% intro APR for 18 billing cycles for purchases, and for any balance transfers made within the first 60 days. After that the variable APR will be 17.74% to 27.74%.

Balance transfer fee: 3% of the amount of each transaction

Flexible redemption policy
No annual fees
Rewards program is not as travel-focused as other options
Not the best sign-up bonus offer

Best no-fee rewards - Wells Fargo Autograph℠ Card

This is one of the most comprehensive plans for earning travel points available today. Earn a high 3x rewards points for every $1 on travel (hotels, motels, timeshares, car rentals, cruise lines, travel agencies, discount travel sites and campgrounds), transit (rail, taxis, limousines, ferries, toll bridges and highways, parking and garages), gas (including both gas stations and electric charging stations), dining (restaurants, drinking places and fast food), phone plans and popular streaming services (including Apple TV+, Sling TV, Prime Video and more ). All other purchases earn 1x points for every $1 spent.

Rewards: Unlimited 3x points on restaurants, travel, gas and transit, as well as on streaming services and cell phone plans, and 1x on all other purchases.

Welcome bonus: Earn 20,000 bonus points (a $200 cash value) when you spend $1,000 in purchases within the first 3 months of account opening

Regular APR:

Intro APR: 0% intro APR for 12 months from account opening and a variable APR afterwards of 19.74%, 24.74%, or 29.74%, based on your creditworthiness.

Balance transfer fee: $5 or 3% of the amount of each balance transfer, or whichever is greater, for 120 days from account opening. After that it is 5% for each transfer with a $5 minimum

No membership fees
3x points for ever dollar spent is among the highest available ways to earn
$600 cell phone protection against damage or theft with a low $25 deductible
No foreign transaction fees
No intro APR bonus for balance transfers
5% balance transfer fee after the 120 intro period

Our methodology for choosing travel rewards credit cards

To create this ranking, our team scours the internet in search of credit card recommendations from industry experts to bring you the very best of the best, including Forbes , The Wall Street Journal , NerdWallet , Business Insider , CNN , CNBC , Bankrate , Money , U.S. News , WalletHub , The Ascent/Motley Fool , CreditCards.com , Compare Credit , Credit Karma , Value Penguin and LendingTree . We then rank these accounts based on the total number of recommendations. Winners are determined by the number of times they appear on any of these experts’ lists. Simply put, credit cards that appear the most will be deemed the winner! In the event of a tie, we select our choice for the card with the best deal.

What is a rewards credit card?

Credit cards that are most commonly known as rewards credit cards offer some kind of benefit for its use. Typically these rewards include cash back, points or miles earned when you spend money on the card. There are of course limits with these rewards and you are often given a variety of ways to use or spend these rewards — often with gift cards, dollars or points.

What is an annual percentage rate (APR)?

The annual percentage rate, also known as the APR, is the yearly interest that is charged to credit card holders or borrowers. This is essentially the cost of funds over the term of a loan or income earned on any given investment, including fees or any other costs that come with a given transaction.

How is APR calculated?

The calculation for APR is made by multiplying the periodic interest rate by the number of periods in a given year that it should be applied. Here is a helpful calculation provided by Investopedia:

APR=((Fees+Interest Principal/n)×365)×100

Interest=Total interest paid over life of the loan

Principal=Loan amount

n=Number of days in loan term

How much can I expect to pay in interest with an average credit card?

The average credit card interest rate today is 24.10%, according to a Forbes report . If you had a credit card balance of $500 at 24.10% APR, you would theoretically owe $10 in interest at the end of a 30-day billing cycle period. Check out this useful calculator from NerdWallet for help running the numbers on your own credit card balances.

How often do rates change?

First, it’s important to understand the three types of interest rates for credit cards: variable, fixed and promotional. The frequency at which credit card interest rates change depends on the type of rate a credit card has:

Variable rates: The interest rate for a card with a variable rate fluctuates over time because it is tied to a benchmark interest rate or index that periodically changes.
Fixed rates: A fixed rate remains stable during a set period of time and can sometimes become variable at the end of the period. These rates do not fluctuate due to inflation or changes in the prime index.
Promotional : Credit cards that offer a promotional rate typically require that you meet some sort of balance requirement to earn a temporary interest rate. Much like a fixed rate offer, these promotional periods typically come to an end and one day revert back to a variable rate.

How do I choose the best credit card?

Choosing the best credit card for your needs really comes down to preference and how much you intend to spend. Some key factors to consider here are fees, interest rates, your credit score and your monthly spending habits. The annual percentage rate (APR), which changes depending on the bank and card you ultimately choose, will also vary based on your score; the higher your score, the better the rate you will receive.

What is a good credit score?

Anything from 670 to 739 is considered a good credit score. Scores from 580 to 669 are considered fair; 740 to 799 are considered very good; and 800 and up are considered excellent.

This is the No. 1 most-recommended travel credit card in America

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Russia-Ukraine war – live: Putin to give shock G20 speech as Moscow troops desert Donetsk frontline

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Vladimir Putin will set out Russia ’s view of the “deeply unstable world situation” in a shock G20 speech this week, the Kremlin has said, as Ukraine claimed growing numbers of Moscow’s troops were deserting the frontline in Donetsk .

Ukraine’s military has been bracing for a “third wave” of Russian assaults on the key city of Avdiivka – but a spokesperson claimed Moscow was being forced to rely increasingly on penal recruits and reservists due to its soldiers refusing to take part in casualty-heavy assaults.

Further south, Kyiv ’s forces claimed to have pushed Mr Putin’s forces three to eight kilometres back on the banks of the Dnipro River , in what would mark the first significant advance by Kyiv’s forces months into a grindingly slow counteroffensive.

Ukrainian and Russian forces have been entrenched on opposite sides of the vast waterway in Kherson for more than a year, until Kyiv claimed last week to have finally established multiple footholds on the river’s eastern bank.

Ukrainian army pushing Russian forces back at Dnipro river

Russia launches waves of drone strikes on Kyiv for second night

Cluster bombs in battle for Avdiivka fuelling stalemate on frontline, says UK

Ukraine establishes 'several bridgeheads' on eastern bank of Dnipro

Russian defence minister claims Ukraine failing to cross the Dnipro River

11:08 , Tom Watling

Russian defence minister Sergei Shoigu has claimed that Ukraine have failed to carry out a landing operation in the Kherson region, the Interfax news agency reported.

The Russian politician, a senior figure involved in the “special military operation” and an integral member of Vladimir Putin’s siloviki (inner circle), was echoing dismissive claims made by the official channel of his own ministry earlier today.

Andriy Shevchenko urges the world not to forget Ukraine: ‘The cold is coming. Russia will try to hit our energy’

10:45 , Tom Watling

Almost two years into Russia’s devastating invasion, one of Ukraine’s most famous exports is desperate to keep shining a light on his country’s plight, writes Lawrence Ostlere , as global attention shifts to the Middle East.n

Andriy Shevchenko on Ukraine: ‘The cold is coming. Russia will try to hit our energy’

Russia says co-existence not possible with Ukraine's current 'regime'

10:20 , Tom Watling

Russia cannot co-exist with the current Ukrainian “regime” and will resist the might of the NATO military alliance for as long as Moscow needs to achieve its aims, a senior Russian foreign ministry diplomat said on Tuesday.

“The current regime is absolutely toxic, we do not see any options for co-existence with it at the moment,” Russian Ambassador-at-Large Rodion Miroshnik told reporters in Moscow.

Miroshnik said Ukraine had carried out crimes against civilians and that NATO had supplied forbidden weapons to Ukraine but that the West would eventually lose interest in Ukraine.

“We can resist NATO just as much as we need to fulfill the tasks that the president has formulated,” Miroshnik said.

European Council president arrives in Kyiv to discuss ‘next steps’ of EU accession

09:54 , Tom Watling

Charles Michel, the European Council president, has also arrived in Kyiv ahead of talks about Ukrainian accession to the European Union.

Moldovan leader Maia Sandu arrived in the Ukrainian capital earlier this morning, as did German defence minister Boris Pistorius.

In a statement on X, Ms Sandu said that “discussing the next steps in EU accession of Moldova and Ukraine” was on the agenda for discussions.

She added that “enhancing regional security” as well as discussion on the “EU’s continued support of reforms and development in our countries” would also be a part of meetings today.

Mr Michel was greeted by the EU’s ambassador to Ukraine, Katarina Mathernova, at Kyiv’s railway station. She can be seen shaking Mr Michel’s hand below in a picture posted by the European Council chief to X. He captioned the photo: “Good to be back in Kyiv - among friends.”

Good to be back in Kyiv – among friends. pic.twitter.com/w9cAQzqYyo — Charles Michel (@CharlesMichel) November 21, 2023

‘It’s like Covid’: Zelensky says Putin has made ‘five or six’ attempts on his life

09:48 , Tom Watling

Ukrainian President Volodymyr Zelensky has claimed that at least “five or six” Russian attempts to assassinate him have been foiled by his security services.

The wartime leader, speaking from the Ukrainian capital Kyiv, said the volume of attempts had turned him almost numb to the danger. He compared the later attempts to catching the Covid-19 infection.

“The first one is very interesting , when it is the first time, and after that it is just like Covid,” he said in a new interview.

You can read the full story here.

Ukraine air defence downs 9 out of 10 Russian drones

09:35 , Tom Watling

Ukraine air defence shot down one missile and 9 out of 10 drones in a Russian overnight strike, the nation’s air force has said.

The air force said in a statement the Russian forces launched Iranian-made drones from Russian territory on several directions.

US announce $100m aid package for Ukraine

09:17 , Tom Watling

The US have announced that they will send an additional $100 million in security aid to Ukraine.

The pledge follows US defence secretary Lloyd Austin’s visit to Kyiv yesterday, during which he promised American support “for the long haul”.

Included in the latest package is one High-Mobility Artillery Rocket System (HIMARS) and an unspecified number of shells.

Ukraine’s ministry of defence welcomed the package in a statement on X. The amount, however, is minimal to the point of nominal; Ukraine has been using billions of dollars worth of munitions and heavy weaponry every month.

While the US Congress remains frozen without a fiscal plan for next year, they are unable to send more significant packages to Ukraine.

🇺🇸 @DeptofDefense announced additional security assistance for Ukraine valued at up to $100 million. Thank you for supporting Ukraine in our struggle against russian aggression. The capabilities in this package include: ◾️1 High Mobility Artillery Rocket System (HIMARS) and… — Defense of Ukraine (@DefenceU) November 21, 2023

Moldova's president Maia Sandu arrives in Ukraine

09:09 , Tom Watling

Moldova’s President Maia Sandu have arrived in Kyiv, the Ukrainian presidential office said on Tuesday.

Sandu and Ukraine‘s President Volodymyr Zelenskiy honoured the memory of people who died during the Revolution of Dignity 10 year ago, the office said on social media platform X.

German defence minister Boris Pistorius also arrived on Tuesday morning in Kyiv.

Today marks 10 years since the start of Euromaidan, a defining moment for Ukraine’s European path. Together with @ZelenskyyUa and @ZelenskaUA , I honoured all those who stood for freedom and those who made the ultimate sacrifice. Their legacy lives on. pic.twitter.com/2cti4oFGR2 — Maia Sandu (@sandumaiamd) November 21, 2023

Here are some of the latest pictures from Ukraine

08:30 , Tom Watling

Good morning. Below are some of the latest pictures from Ukraine as German defence minister Boris Pistorius arrived in Kyiv this morning for a secret visit.

His visit comes as snow has begun to fall in eastern Ukraine amid fears of a stalemate on the frontline.

General Valery Zaluzhny, the chief of the Armed Forces of Ukraine, wrote an article earlier this month in which he said the battle had descended into “positional” warfare and that there would be no major breakthrough such as the one many had hoped the summer counteroffensive would achieve. He met with US defece secretary Lloyd Austin yesterday.

Russia says it scuppers more Ukrainian attempts to cross the Dnipro

07:53 , Tara Cobham

Russia said on Tuesday that marines, aviation and artillery had scuppered more Ukrainian attempts to gain a foothold on the eastern bank of the River Dnipro and on islands at the mouth of the river in southern Ukraine.

Ukraine said this month that its forces had crossed the Dnipro and established several bridgeheads on the eastern banks of the river, though Russia said it was pummelling the Ukrainian positions.

"Black Sea Fleet marines are stopping all attempts by the Armed Forces of Ukraine to carry out amphibious landings on the Dnipro islands and the left bank of the Dnipro River," Russia's defence ministry said.

The Russian defence ministry published a video which it said showed marines from the 810th Guards Naval Infantry Brigade defeating Ukrainian forces. Soldiers were shown firing a variety of weapons, though the result of the fighting was unclear.

It said Ukrainian forces were suffering heavy casualties and losing equipment in unsuccessful attempts to land on islands in the Dnipro. Reuters was unable to immediately verify battlefield accounts from either side.

It is still unclear how significant the Ukrainian attempt to gain a foothold on the eastern bank of the Dnipro is. Crossing the Dnipro leaves Ukrainian units exposed between river and marshland on one side and heavily fortified Russian lines on the other.

Russian strikes kill two and wound six in eastern Ukraine, say officials

07:42 , Tara Cobham

Two people were killed and six were wounded in overnight Russian missile attacks and shelling in Ukraine's eastern Donetsk and Kharkiv regions, Ukrainian officials said on Tuesday.

Missiles hit a hospital in the Donetsk town of Selydove and a coal mine, Interior Minister Ihor Klymenko said on the Telegram messaging service.

"Two buildings of the hospital were damaged, six civilians were injured. There may be victims under the rubble, search operations continue," Klymenko said.

One worker was killed in the attack on the coal mine, he said.

"Four buildings, 19 vehicles and a power line were damaged. 39 miners were trapped underground. As of now, all miners have been brought to the surface," he said.

Invading Russian forces have occupied much of Donetsk and Russia has said it intends to take over the whole region.

In Kharkiv, one person was killed in Russian shelling, the region's governor, Oleh Synehubov, said.

Bodies of Ukrainian and Russian troops exchanged

07:00 , Alexander Butler

The bodies of Ukrainian and Russian troops have been exchanged.

The Coordination Headquarters on the Treatment of Prisoners of War said around 94 Ukrainian troops were returned to Ukrainian-controlled territory.

The Armed Forces of Ukraine said forensic examinations will now take place to identify the bodies.

The bodies of Russian troops were also handed over, in accordance with international humanitarian law.

Russia may begin full mobilisation after 2024 presidential election, says senior security official

06:00 , Alexander Butler

Russia may begin full mobilisation after the 2024 Russian presidential election on 17 March, the secretary of the national security and defence council of Ukraine, Oleksii Danilov, has suggested.

Danilov said in a speech to the International Security Forum in Halifax, Canada: “Russia has managed to adapt, and constantly injects funds into its defence sector. Russia proved to be more resilient to the west’s sanctions, as expected.

“Russia is increasingly putting its economy on a war footing. Total mobilisation may follow the 2024 presidential elections.”

Russia lodges protest against Finnish ambassador as country threatens more borders will close

04:00 , Alexander Butler

Russia’s foreign ministry has said it has lodged a formal protest with the Finnish ambassador in Moscow over the closure of four busy border crossings between Russia and Finland.

On Saturday, Finland closed crossings on the shared border in a bid to halt the flow of asylum seekers that it says was instigated by Moscow.

Only four crossing points remain open, which the Russian foreign ministry said has impacted tens of thousands of people in both countries.

Russian drones target Kyiv as UK Defense Ministry says little chance of front-line change

03:00 , Alexander Butler

Russian drones targeted Kyiv on Sunday as the British Defense Ministry said there were “few immediate prospects” for major change along the Ukrainian front line as the war enters its second winter.

Russia launched 20 Iranian-made Shahed drones overnight, targeting the Ukrainian capital and the Cherkasy and Poltava regions, according to a military statement. Ukrainian anti-aircraft systems shot down 15 of the drones.

The overnight strike on Kyiv is the second attack on the Ukrainian capital in 48 hours, said the city’s Military Administration spokesperson, Serhii Popko.

NATO committed to Bosnia's territorial integrity condemns 'malign' Russian influence

01:00 , Alexander Butler

NATO supports Bosnia‘s territorial integrity and is concerned by “malign foreign interference,” including by Russia, in the volatile Balkans region that went through a devastating war in the 1990s, NATO Secretary General Jens Stoltenberg said Monday.

Sarajevo is the first stop on Stoltenberg’s tour of Western Balkan countries that will also include Kosovo, Serbia and North Macedonia.

“The Allies strongly support the sovereignty and territorial integrity of Bosnia-Herzegovina,” Stoltenberg told reporters. “We are concerned by the secessionist and divisive rhetoric as well as malign foreign interference, including Russia.”

At least 11,000 children in ‘re-education’ camps in Russia, UK ministry of defence says

00:01 , Alexander Butler

Russia is holding at least 11,000 Ukrainian children across 43 “re-education” camps, the UK ministry of defence said.

“At least 11,000 Ukrainian children are reportedly being detained at 43 re-education camps across Russia, thousands of miles from home. Their simple right to life and liberty is being impacted,” the ministry said on X.

At least 11,000 Ukrainian children are reportedly being detained at 43 re-education camps across Russia, thousands of miles from home. Their simple right to life and liberty is being impacted. #StandWithUkraine pic.twitter.com/Dk7Lh9E935 — Ministry of Defence 🇬🇧 (@DefenceHQ) November 20, 2023

Russia bars Moldovan nationals, summoning ambassador

Monday 20 November 2023 22:00 , Alexander Butler

Russia barred entry to a number of officials from Moldova on Monday and complained about moves by its pro-European government to block Russian media outlets ahead of local elections earlier this month.

The moves were the latest in a series of acerbic exchanges between the two sides and allegations by Moldova that Russia has been exerting pressure on the ex-Soviet state’s affairs and President Maia Sandu’s drive to join the European Union.

A Russian foreign ministry statement said Moldovan Ambassador Lilian Darie was summoned to be told of the decision.

“The Moldovan side was presented with a decisive protest in connection with the continuing politically motivated persecution of Russian media in Moldova, including the blocking of access to their Internet sites,” a ministry statement said.

The US is with Ukraine ‘for the long haul’, defence secretary tells Zelensky

Monday 20 November 2023 20:13 , Alexander Butler

US defence secretary Lloyd Austin said the country remains behind Ukraine as it continues its war with Russia. It comes after announcing a further package of defensive aid worth $100m.

“The message that I bring you today is that the United States of America is with you. We will remain with you for the long haul,” Mr Austin said.

He added: “I think they are prepared for combat in the winter. They did a great job last year. This year we expect them to be, just based on what President Zelensky has said, them to be even more aggressive.”

Ukrainian sniper ‘breaks world record after killing Russian solider nearly 2.5 miles away’

Monday 20 November 2023 18:12 , Alexander Butler

A Ukrainian sniper claims to have broken the world record by killing a Russian soldier almost 2.5 miles away, with a custom rifle called ‘Lord of the Horizon’, Holly Evans reports.

The previous record was held by a Canadian special operations sniper at a distance of 2.2 miles in Iraq in 2017.

In a press statement, the Security Service of Ukraine (SBU) said: “The SBU sniper set a world record for a successful shot.

“He hit a Russian soldier from an incredible distance.

“SBU snipers are changing the rules of world sniping, demonstrating the ability to work effectively at fantastic distances.”

Ukrainian sniper ‘breaks world record after killing solider nearly 2.5 miles away’

Full report: Russia puts Ukrainian winner of Eurovision Song Contest on wanted list

Monday 20 November 2023 17:14 , Andy Gregory

Russia has placed a Ukrainian singer who won the 2016 Eurovision Song Contest on its wanted list, state news agencies reported Monday.

The independent news site Mediazona said singer Susana Jamaladinova was charged under a Russian law adopted last year which outlaws spreading so-called fake information about the war in Ukraine.

Russia puts Ukrainian winner of Eurovision Song Contest on wanted list

Volodymyr Zelensky meets with Lachlan Murdoch in Kyiv

Monday 20 November 2023 16:46 , Andy Gregory

Volodymyr Zelensky has met Fox Corp chief executive Lachlan Murdoch in the Ukrainian capital, in what Kyiv described as a “very important signal” of support at a time when global media attention has shifted from the war in Ukraine.

“The Head of State thanked Lachlan Murdoch for his visit and emphasised that it is a very important signal of support at the time when the world’s attention is blurred by other events,” the Ukrainian president’s office said.

Mr Zelensky was quoted by his office as saying it was vital to keep the world’s attention focused on the war in Ukraine, adding: “For us, for our warriors, this is not a movie. These are our lives. This is daily hard work. And it will not be over as quickly as we would like, but we have no right to give up and we will not.”

Fox News journalist Benjamin Hall, who was badly wounded covering the war in Ukraine last year, and Sun journalist Jerome Starkey were also invited to the meeting with Rupert Murdoch’s eldest son, who was named the sole chair of News Corp in September.

ICYMI: Zelensky invites Trump to Ukraine after claims he could stop war in 24 hours

Monday 20 November 2023 16:24 , Andy Gregory

Opinion | Ukrainian victory is all but certain – so long as its allies do not seek a ‘way out'

Monday 20 November 2023 16:03 , Andy Gregory

In this Independent Voices piece, James Nixey of Chatham House writes:

Calling the war a stalemate is an obvious example of self-defeat: if it is believed that Ukraine cannot win the war, then Ukraine will not be given weapons to win the war which, in turn, means … they will not win the war. It takes rare political courage to imagine Ukraine’s victory, although EU officials Ursula von der Leyen and Josep Borrell have managed this.

Ukraine’s EU accession, likely and in progress, and Nato accession, less likely in times of war and very dependent on US backing, will be a hollow victory if its resources dry up. Russia has had a poor war – its Black Sea fleet has retreated from Crimea, meaning it will have problems defending the peninsula, and Ukraine’s counter-offensive at Avdiivka has been costly for Russia.

But Russia can absorb costs like no other. Its industry is war-mobilised and its soldiers are dispensable, replaceable commodities. Depopulation and brain drain are problems for another day and arguably affect Ukraine more. Nor should a bad plan be mistaken for a bad army that does not learn from its mistakes. Russia does. And it may have been forced to turn to North Korea to fill a “munitions gap”, but that too has worked.

Vladimir Putin’s ideology is delusional of course, but he remains deeply committed to seeing his war through to a successful conclusion: “all in” and long since recovered from the Prigozhin affair, he surely believes he can win.

But it also remains the case that a Ukrainian victory is possible – more than possible. In fact, it is all but certain; but only if Western countries do not “get tired”, do not look for a “way out”, and if Ukraine is given the tools to finish the job.

Russia’s plan B in Ukraine is working – the West must not turn away now

‘Double standards’ in Israel-Hamas conflict have ‘undermined fight' for Ukraine, says Varadkar

Monday 20 November 2023 15:38 , Andy Gregory

Irish premier Leo Varadkar has said there is “double standards” from the EU and some Western powers in relation to Israel and Palestine.

The Taoiseach said the stance of some Western countries in response to the Israel-Hamas war had “undermined the fight” to garner support for Ukraine as it battles against the ongoing Russian invasion.

Here is the full report:

Varadkar raises concerns about EU ‘double standards’ on Israel and Palestine

Kyiv hoping for Poland talks over lorry driver protests

Monday 20 November 2023 15:09 , Andy Gregory

Kyiv hopes to hold a new round of talks with Poland and the European Union this week to resolve an issue with Polish lorry drivers holding protests to block border crossings, a Ukrainian trade representative has said.

“This week we hope to have negotiations in a trilateral format,” Taras Kachka told broadcasters.

Yesterday, some 3,000 mostly Ukrainian lorries – including those carrying fuel and humanitarian aid – were caught on the Polish side of the border due to a more than 10-day blockade by Polish hauliers, Ukrainian officials said.

The hauliers are protesting against what they see as government inaction over a loss of business to foreign competitors since Russia's invasion of Ukraine.

US defence secretary meets with Zelensky in Kyiv

Monday 20 November 2023 14:32 , Andy Gregory

US defence secretary Lloyd Austin has said he was “honoured” to meet Ukrainian president Volodymyr Zelensky during a surprise visit to Kyiv today – his second since April 2022.

Washington will “continue to support Ukraine’s urgent battlefield needs and long-term defence requirements”, Mr Austin said.

I was honored to meet with President @ZelenskyyUa in Kyiv today to reaffirm the United States’ steadfast support for Ukraine. We, along with our allies and partners, will continue to support Ukraine’s urgent battlefield needs and long-term defense requirements. pic.twitter.com/Odv6ClgcrP — Secretary of Defense Lloyd J. Austin III (@SecDef) November 20, 2023

Russia places Eurovision winner on its wanted list

Monday 20 November 2023 14:03 , Andy Gregory

Russia has placed the 2016 winner of the Eurovision Song Contest on its wanted list.

An Interior Ministry database lists Ukrainian singer Susana Jamaladinova – who uses the stage name Jamala, and is of Crimean Tatar descent – as being sought for violating a criminal law, Russian state news agencies reported.

She won the Eurovision contest with the song “1944,” whose title refers to the year the Soviet Union deported Crimean Tatars en masse. Russia protested the song being allowed in the competition, saying it violated rules against political speech. But the song made no specific criticism of Russia or the Soviet Union.

The independent news site Mediazona said Ms Jamaladinova was charged under a Russian law adopted last year to outlaw the spread of so-called fake information about the Ukraine war.

Watch: Lazarus Project star says series predicted Russia-Ukraine war

Monday 20 November 2023 13:35 , Andy Gregory

Top Ukrainian cyber defence officials sacked amid corruption probe

Monday 20 November 2023 13:22 , Andy Gregory

Ukraine has sacked two high-ranking cyber defence officials amid a probe into alleged embezzlement, a senior government official said.

Yurii Shchyhol, head of the State Service of Special Communications and Information Protection of Ukraine (SSSCIP), and his deputy, Viktor Zhora, were dismissed by the government, cabinet chief Taras Melnychuk said on Monday.

The firings coincided with an announcement by anti-corruption prosecutors that they were investigating officials in cyber defence positions over their alleged roles in a six-person plot to embezzle 62 million Ukrainian hryvnia (£1.38m) in 2021.

Prosecutors did not identify either official by name, and the SSSCIP did not immediately respond to a written request for comment.

Jailed Russian nationalist Girkin hopes to challenge Putin in presidential elections

Monday 20 November 2023 12:56 , Andy Gregory

Pro-war Russian nationalist Igor Girkin has announced that he wants to run for president – despite understanding the upcoming March election will be “sham” with the winner already clear.

Mr Girkin – who is in custody awaiting trial for inciting extremism – has repeatedly said Russia faces revolution and even civil war unless Vladimir Putin’s military top brass fight the war in Ukraine more effectively.

A former FSB officer who helped annex Crimea in 2014 and organise pro-Russian militias in eastern Ukraine, Mr Girkin said before his arrest that he and his supporters were entering politics.

“I understand perfectly well that in the current situation in Russia, participating in the presidential campaign is like sitting down at a table to play with card sharps,” he said in a letter published on Telegram entitled: “I am going to run.”

Mr Girkin said that he did not think that he would be allowed to take part in the election, but hoped that his attempt to unite patriotic forces would disrupt the Kremlin’s plan for a “sham election” in which “the only winner is known in advance”.

Analysis | Russia’s plan B in Ukraine is working – now is not the moment for the West to turn away

Monday 20 November 2023 12:27 , Andy Gregory

In this Independent Voices piece, James Nixey – director of Chatham House’s Russia and Eurasia Programme – writes:

When Italy’s prime minister, Giorgia Meloni, was fooled recently by two well-known Russian “comics” – surely paid-up Kremlin agents – into saying she was “tired” of the war in Ukraine and that everyone would soon be looking for a “way out”, too many of her counterparts in the West would have tacitly agreed (and perhaps sympathised: she is hardly the first to be pranked by these two).

But Ms Meloni deserves no sympathy. She thought she was talking to the head of the African Union Commission so this should have been a chance to exercise statecraft and reason with the supposed representative from the Global South and argue that Russia’s war in Ukraine is nothing if not colonialist itself – a desperate attempt to maintain its empire.

But Ms Meloni’s admission was worse than just not showing moral leadership. She was also playing into Russia’s hands by parroting its narrative: being tired and looking for a way out of the war is precisely what Vladimir Putin now wants from the Western world.

Nato concerned by secessionist rhetoric and Russian influence in Bosnia

Monday 20 November 2023 11:58 , Andy Gregory

Jens Stoltenberg has said Nato is concerned by secessionist rhetoric and Russian influence in Bosnia, after months of Serb leaders increasingly saying they want to split and join Serbia.

Bosnia emerged from civil war in 1995 with a federal structure uniting a Serb-dominated republic and a federation of Croats and Bosniak Muslims. But the leader of Serbian entity, Milorad Dodik, has increasingly said in recent months that he aims to secede and join neighbouring Serbia.

“We are concerned by secessionist and divisive rhetoric as well as ... foreign interference including Russia,” the Nato chief told reporters in Sarajevo, during a tour of the western Balkans region.

“This undermines the stability and hampers reform,” Mr Stoltenberg said, adding that all political leaders must work to preserve unity, build national institutions and achieve reconciliation.

Nato had deployed about 60,000 troops in Bosnia after the war, which were replaced by an EU peacekeeping force in 2004. Last year, the EU almost doubled its size to 1,100 troops, amid fears that instability from the Ukraine war could spill over to the western Balkans.

Putin to address G20 summit this week, Kremlin says

Monday 20 November 2023 11:15 , Andy Gregory

Vladimir Putin will set out Russia’s view of what it sees as the “deeply unstable world situation” when he addresses an upcoming virtual G20 summit, the Kremlin has said.

Russian state TV presenter Pavel Zarubin said on his Telegram channel on Sunday that it would be the “first event in a long time” including both the Russian president and Western leaders.

According to the state RIA news agency, the G20 virtual summit will be held on Wednesday.

Russia relying on penal recruits to stem increase in deserters on Donetsk frontline, Ukraine claims

Monday 20 November 2023 11:06 , Andy Gregory

Growing numbers of Russian soldiers are deserting the frontline in Donetsk, Ukraine’s military has claimed as it braces for a long-awaited “third wave” of attacks by Moscow’s forces in Avdiivka.

The Institute for Study of War think-tank cited Ukrainian Colonel Oleksandr Shtupun as saying that Russia may soon intensify artillery preparations for the new wave of assaults on the strategically key city.

Moscow’s forces have not actively used heavy military equipment Avdiivka in recent days, have decreased aviation use in the area, and are increasingly using infantry, he said, claiming that Russia’s significant losses mean only 10 to 15 percent of some detachments’ original personnel remain.

In remarks on Sunday, Mr Shtupun claimed there were growing numbers of Russian deserters and personnel who refuse to conduct offensive operations, leading Russian commanders to use physical force and barrier troops to push Russian forces to fight, with an increased reliance on mobilised reservists and penal recruits.

EU sanctions tend to have ‘boomerang effect’, Russia claims

Monday 20 November 2023 10:54 , Andy Gregory

The Kremlin has claimed that European Union sanctions tend to have a “boomerang effect”, as Moscow faces the prospect of an EU ban on imports of Russian diamonds.

Kremlin spokesman Dmitry Peskov told reporters on Monday that such a move had been anticipated for a long time, but was likely to backfire.

“As a rule, it turns out that a boomerang effect is partially triggered: the interests of the Europeans themselves suffer. So far, we have been able to find ways to minimise the negative consequences of sanctions,” he claimed.

EU diplomatic sources told Reuters last week that the proposal under discussion was to ban direct diamond imports from Russia from 1 January, and to implement a traceability mechanism by March which would prevent imports of Russian gems processed in third countries.

Exclusive: Andriy Shevchenko urges the world not to forget Ukraine

Monday 20 November 2023 10:29 , Andy Gregory

On the morning of 24 February 2022 – a date etched in every Ukrainian’s mind – Andriy Shevchenko was woken by a phone call from his mother. She told him through tears that Russia was invading. Shevchenko was in London, where he lives with his wife and four sons; his mother and wider family were in Ukraine, under attack.

Shevchenko has barely slept since. “It’s almost impossible,” he says. “It’s going to be almost two years since the full war started, and every day I wake up, check the phone – what’s the news? Are we going to be attacked in Kyiv? Are we going to be attacked in a different city? How many drones? How many rockets? Where have the rockets hit? And then, talking to my friends – who’s dead? It’s a normal day for us.”

Shevchenko is using his platform as one of Europe’s greatest footballers, a Ballon d’Or winner and a Chelsea cult hero to keep the spotlight on Ukraine at a time when the world’s attention has turned to the Middle East. In the West, the initial shock caused by Russia’s invasion has subsided, and a sense of normalisation has crept in. He is understandably worried that Ukraine’s cause might be forgotten.

“I hope not,” he says. “Because for us, it’s everything. For us, it’s exist or not exist.”

Our senior sports writer Lawrence Ostlere has the full exclusive interview here:

Andriy Shevchenko on Ukraine: ‘Every day I wake up, check the phone. Who’s dead?’

Kremlin ‘deeply regrets’ Finland’s border closures

Monday 20 November 2023 10:08 , Andy Gregory

The Kremlin has said it deeply regrets Finland’s decision to close crossings along the two countries’ vast border on Saturday.

Finland closed four crossings on Saturday in a bid to halt the flow of asylum-seekers, having accused Moscow of funnelling migrants to the frontier in retaliation for Helsinki’s ascension to Nato and increased Western military cooperation since the invasion of Ukraine.

Kremlin spokesperson Dmitry Peskov denied Finland’s accusation on Monday and insisted that Russian border guards were carrying out their duties in line with the rules.

Asked about the closure of the four crossings, Mr Peskov told reporters: “This causes nothing but deep regret, because we had long-standing, very good relations with Finland, pragmatic, based on mutual respect.

“And of course, we regret that these relations were replaced by such an exclusively Russophobic position, which the leaders of this country began to espouse,” he said.

Moscow protest shows lengthy Russian deployments to frontline ‘unsustainable’, says UK

Monday 20 November 2023 09:44 , Andy Gregory

Protests in Moscow by the wives of Russian soldiers show that their lengthy deployments to the front line are increasingly viewed as unsustainable, Britain’s Ministry of Defence suggested.

Russian wives and mothers have been making daily online appeals protesting against the conditions of their loved ones’ service since the invasion of Ukraine last February.

“However, Russia’s draconian legislation has so far prevented troops’ relatives from coalescing into an influential lobbying force, as soldiers’ mothers did during the Afghan-Soviet War of the 1980s,” said the ministry”.

But on 7 November, they held a rare street protest in Moscow’s central Teatralnya Square, unfurling banners demanding the rotation of their partners away from the frontline.

Police broke up the protest within minutes, according to the ministry, which added: “However, the protestors’ immediate demand is notable.

“The apparently indefinitely extended combat deployments of personnel without rotation is increasingly seen as unsustainable by both the troops themselves and by their relatives.”

US defence secretary’s visit to Kyiv is his first since early months of war

Monday 20 November 2023 09:21 , Andy Gregory

US defence secretary Lloyd Austin has made an unannounced visit to Kyiv today, as he pushes to keep money and weapons flowing to Ukraine.

Mr Austin travelled by train from Poland, and is scheduled to meet with senior Ukrainian officials.

It marks his second trip to Kyiv – with his first having taken place in April 2022, just two months after Russia’s invasion.

Two killed in Kherson after Russia shells parking lot, officials say

Monday 20 November 2023 08:55 , Andy Gregory

Two people have been killed this morning after Russian forces shelled a parking lot in the southern Ukrainian city of Kherson, according to officials.

Regional prosecutors said they had opened a war-crimes investigation into the artillery strike, which occurred at around 9am and injured one other person.

Kherson governor Oleksandr Prokudin said the two dead were drivers for “a private transport business”.

Images posted on Telegram showed firefighters dousing cars that had been blasted apart, one day after a separate strike on the city wounded five people, including a 3-year-old girl.

Russian forces have regularly shelled Kherson from across the Dnipro River since the city was liberated last November by Ukrainian troops – who are now seeking to push Moscow’s troops away from the river after establishing a foothold on the opposite bank.

Second drone in as many days shot down near Moscow as Russia and Ukraine exchange attacks on capitals

Monday 20 November 2023 08:29 , Andy Gregory

Russia and Ukraine sent drones targeting each other’s capital cities over the weekend in signs of renewed intensity for their aerial warfare, my colleague Arpan Rai reports.

Drones were shot down on both Saturday and Sunday in areas around Kyiv and Moscow. Air defence systems for both sides intercepted attacks and no casualties were reported.

Multiple drones that were heading for Moscow and Russia’s border areas on Sunday were downed by Russian air defence systems over the weekend, officials said.

Kyiv has promised to wage a major drone campaign against Russia this winter, as bad weather conditions make it difficult to conduct operations on the ground.

Russia under Ukraine’s drone attack for two nights in row as Moscow remains on target

Zelensky dismisses Ukraine’s military medical chief

Monday 20 November 2023 08:11 , Andy Gregory

Volodymyr Zelensky has dismissed Major General Tetiana Ostashchenko as the commander of Ukraine’s medical forces, as he demanded rapid changes in the operations of the country’s military medical system.

“In today’s meeting with defence minister [Rustem] Umerov, priorities were set,” the Ukrainian president said in his nightly address on Sunday. “There is little time left to wait for results. Quick action is needed for forthcoming changes.”

He added: “The task is clear, as has been repeatedly stressed in society, particularly among combat medics, we need a fundamentally new level of medical support for our soldiers.”

A wide range of improvements are needed, Mr Zelensky said – from better tourniquets, to improvements in digitalisation and communication.

Ms Ostashchenko was replaced by Major General Anatoliy Kazmirchuk, head of a military clinic in Kyiv.

US defence secretary arrives in Kyiv

Monday 20 November 2023 07:45 , Andy Gregory

US secretary of defence Lloyd Austin has arrived for a visit in Kyiv.

I just arrived in Kyiv to meet with Ukrainian leaders. I’m here today to deliver an important message – the United States will continue to stand with Ukraine in their fight for freedom against Russia’s aggression, both now and into the future. pic.twitter.com/1D96aeeACl — Secretary of Defense Lloyd J. Austin III (@SecDef) November 20, 2023

Two killed as grenade explodes in Kyiv apartment

Monday 20 November 2023 07:26 , Andy Gregory

A Ukrainian soldier and a woman died when a grenade exploded in an apartment in Kyiv, injuring a second man, police said.

Explosives technicians and investigators were working at the scene of Sunday’s explosion in the Dniprovskiy district, Kyiv police said in a statement.

“A citizen contacted the police with a report that an explosion rang out in a neighbouring apartment,” they added.

Earlier this month, an aide to Ukraine’s commander-in-chief, General Valery Zaluzhnyi, died when a grenade given to him as a birthday gift blew up.

An orphaned teenager who was taken to Russia early in the Ukraine war is back home with relatives

Monday 20 November 2023 07:00 , Holly Evans

An orphaned Ukrainian teenager who was taken to Russia last year during the war in his country returned home after being reunited with relatives in Belarus on his 18th birthday Sunday.

Bohdan Yermokhin was pictured embracing family members in Minsk in photographs shared on social media by Russia’s children’s rights ombudswoman, Maria Lvova-Belova.

Andrii Yermak, the head of the Ukrainian president’s office, confirmed that Yermokhin had arrived back in Ukraine and shared a photo of him with a Ukrainian flag. Yermak thanked UNICEF and Qatari negotiators for facilitating Yermokhin’s return.

Read the full article here

Putin could face new war crime case as evidence suggests starvation of Ukraine was pre-planned

Monday 20 November 2023 05:30 , Holly Evans

Russia was actively preparing to steal grain supplies and starve the Ukrainian population of food for months before Vladimir Putin ordered last year’s invasion, according to new evidence compiled by human rights experts.

When Russian tanks did roll across the border on 24 February 2022 they deliberately targeted grain-rich areas and food production infrastructure first, the new report by international human rights law firm Global Rights Compliance found.

GRC found that Russia’s defence contractor began purchasing trucks to transport grain, as well as three new 170-metre bulk carrier cargo ships, as early as December 2021, evidence of advance planning for the pillage of Ukrainian food resources “on an unprecedented scale”.

Putin could face new war crime case over ‘planned’ starvation of Ukraine

Wife of twice-poisoned Briton held in Kremlin prison fears ‘time is running out’

Monday 20 November 2023 04:30 , Holly Evans

The wife of a British-Russian national held in a Krelimn prison says she fears time is running out, and has called for the UK to take more urgent action to free him.

Vladimir Kara-Murza survived two near-fatal poisonings, in 2015 and 2017, which resulted in organ failure and polyneuropathy, a condition that causes nerve damage.

The Vladimir Putin critic was jailed for 25 years in April this year on charges of treason and spreading “false information” about Russia’s war in Ukraine .

Zelensky calls for rapid operation changes and sacks commander

Monday 20 November 2023 03:30 , Holly Evans

Ukraine’s President Volodymyr Zelensky on Sunday demanded rapid changes in the operations of Ukraine’s military and announced the dismissal of the commander of the military’s medical forces.

Zelensky’s move was announced as he met Defence Minister Rustem Umerov, and coincided with debate over the conduct of the 20-month-old war against Russia, with questions over how quickly a counteroffensive in the east and south is proceeding.

“In today’s meeting with Defence Minister Umerov, priorities were set,” Zelensky said in his nightly video address. “There is little time left to wait for results. Quick action is needed for forthcoming changes.”

Zelensky said he had replaced Major-General Tetiana Ostashchenko as commander of the Armed Forces Medical Forces.

“The task is clear, as has been repeatedly stressed in society, particularly among combat medics, we need a fundamentally new level of medical support for our soldiers,” he said.

This, he said, included a range of issues -- better tourniquets, digitalisation and better communication.

Umerov acknowledged the change on the Telegram messaging app and set as top priorities digitalisation, “tactical medicine” and rotation of servicemen.

Plight of one Ukraine village illustrates toll of Russia’s invasion

Monday 20 November 2023 02:30 , Holly Evans

Kamianka lies in a charming valley of bright flowers and lush trees. It used to be portrayed as a model village for a contented life in rural idyll. It was also a place of archaeological and geological lure, with its rare bronze age and Scythian sites and Jurassic limestone cliffs attracting visitors from afar.

The settlement , set in a sleepy hollow, was established in the 18th century by a count from the Tsar of Russia ’s court who had returned from Britain with new methods of farming and an English bride. Keen to put his new knowledge into practice, he allocated land, built a mill, constructed roads and funded a church and a school.

But Kamianka, in eastern Ukraine , also has a dark history of violence.

Read the full article from Kim Sengupta here

Russia’s plan B in Ukraine is working – now is not the moment for the West to turn away

Monday 20 November 2023 01:30 , Holly Evans

hen Italy ’s prime minister, Giorgia Meloni , was fooled recently by two well-known Russian “comics” – surely paid-up Kremlin agents – into saying she was “tired” of the war in Ukraine and that everyone would soon be looking for a “way out”, too many of her counterparts in the West would have tacitly agreed (and perhaps sympathised: she is hardly the first to be pranked by these two).

But Ms Meloni deserves no sympathy. She thought she was talking to the head of the African Union Commission so this should have been a chance to exercise statecraft and reason with the supposed representative from the Global South and argue that Russia ’s war in Ukraine is nothing if not colonialist itself – a desperate attempt to maintain its empire.

Russia, with an abundance of chutzpah and an absence of shame, claims that it is the West that is being colonialist in forcing its designs on Kyiv (even supposedly “Nazi-ruled Kyiv”). You have to apply to join Nato and the EU, of course, but facts like these are irrelevant.

Read the full article from James Nixey here

Moscow mayor says air defence units intercept drone targeting city

Monday 20 November 2023 00:30 , Holly Evans

Air defence units in Moscow intercepted a drone targeting the city on Sunday, Mayor Sergei Sobyanin said.

Sobyanin, writing on the Telegram messaging app, said units in the Elektrostal district in the capital’s east had intercepted the drone.

According to preliminary information, falling debris resulting from the operation had caused no casualties or damage, Sobyanin said.

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Elektrostal, visit elektrostal, check elektrostal hotel availability, popular places to visit.

Electrostal History and Art Museum

You can spend time exploring the galleries in Electrostal History and Art Museum in Elektrostal. Take in the museums while you're in the area.

Cities near Elektrostal

Places of interest
Yuri Gagarin Cosmonaut Training Center
Peter the Great Military Academy
Central Museum of the Air Forces at Monino
History of Russian Scarfs and Shawls Museum
Balashikha Arena
Balashikha Museum of History and Local Lore
Bykovo Manor
Pekhorka Park
Drama Theatre BOOM
Ramenskii History and Art Museum
Malenky Puppet Theater
Noginsk Museum and Exhibition Center
Pavlovsky Posad Museum of Art and History
Saturn Stadium
Fairy Tale Children's Model Puppet Theater
Fifth House Gallery
Church of Vladimir
Likino Dulevo Museum of Local Lore
Malakhovka Museum of History and Culture
Orekhovo Zuevsky City Exhibition Hall

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No heat in Elektrostal city of Moscow region since middile December
Ukrainian military had 64 combat engagements with Russian forces near Synkivka of Kharkiv region, south to Terny and Vesele of Donetsk region, Klischiyivka and Andriyivka of Donetsk region, near Novobakhmutivka, Avdiyivka, Syeverne, Pervomayske and Nevelske of Donetsk region, Heorhiyivka, Pobyeda and Novomykhaylivka of Donetsk region, Staromayorske of Donetsk region, at the east bank of Dnipro ...
Russia-Ukraine war
Vladimir Putin will set out Russia 's view of the "deeply unstable world situation" in a shock G20 speech this week, the Kremlin has said, as Ukraine claimed growing numbers of Moscow's troops were deserting the frontline in Donetsk. Ukraine's military has been bracing for a "third wave" of Russian assaults on the key city of ...
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