【小道消息】问卷调查暗示 BoA Preferred Rewards 项目可能会被变差

BoA Preferred Rewards 项目是BoA的一大特色,如果在BoA的资产比较多,可以让BoA信用卡返现获得一定的加成:

  • 普通级别的账户可以多得10%;
  • Gold等级(需要资产超过$20k)可以多得25%;
  • Platinum等级(需要资产超过$50k)可以多得50%;
  • Platinum Honors等级(需要资产超过$100k)可以多得75%。

比如如果你有$100k资产,可以获得75%加成的话,那么BoA Premium Rewards或BoA Travel Rewards信用卡的返现率就高达1.5*(1+75%)=2.625了。

近日Reddit用户kdm31091收到了BoA的一份用户调查,调查问卷里讨论的内容是把 BoA Preferred Rewards 减弱的问题,应该就是BoA想知道把这个项目减弱到什么程度用户满意度还OK吧,里面讨论的方案包括从完全没有加成到Platinum Honors 50%加成。他的帖子原文如下:

I am a member of the Bank of America “advisory panel” where they send out periodic surveys and the one today involved Preferred Rewards. Long story short they are considering nerfing the credit card bonuses. Many different options were presented, from no CC bonus at all, to varying levels, but none of them have the Platinum Honors 75% boost listed so that seems almost guaranteed to go away. I think the highest option was Platinum Honors 50% (Platinum down to 35%, Gold 25%). The existing 75% bonus was nowhere to be found on any of the choices.

2.62% cash back was unsustainable as more and more people learned about it, but still sucks as it’s an easy cashback setup if you qualify.

看起来BoA的这个项目知道的人越来越多了,他们逐渐承受不了这个成本了,所以想着在尽可能不伤害用户感情的情况下减弱一下福利。目前还只是个调查问卷,距离真的砍福利还是有段距离的,也许最后不会砍,或者要过很久很久之后才会砍,但是大家对此最好心中有数,以便做好申卡规划。

P.S. 其实这个 BoA Preferred Rewards 项目之所以在中文社区里面讨论的不是很多,主要是绝大多数中国来留学工作的朋友们都玩不了。$50k~$100k 放在BoA那利率几乎就是0的checking/savings里面显然是不合适的,一年光是赚利息的机会成本就几百上千刀了;所以想要玩转这个项目,一定要把资金丢到Merrill Edge投资账户里进行投资。但是想要在Merrill Edge开户,必须要么是公民绿卡,要么是少数合作公司的员工,要么开户门槛就是$250k资金。所以我估计本站里真的在玩这个项目的人不会很多。BoA Preferred Rewards 如果被削弱,你会受到影响吗?


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