【小道消息】BoA Preferred Rewards 項目可能會被變差【2021.8 更新:11.12這個項目將會產生變化】

【2021.8 更新】

關於 BoA Preferred Rewards 可能產生的潛在變化,現在又有了新的消息。Reddit 上有人發現,Merrill Edge 的條款中有如下句子:

As of November 12, 2021, or such later date as we may provide you notice of, the Preferred Rewards for Wealth Management program will be discontinued. If you are enrolled in the program on that day, your enrollment will be automatically transferred to the new Bank of America Preferred Rewards program. The new program will be expanded by adding two new tiers for clients with a qualifying balance of $1,000,000 or more. If your three month combined average daily balance is below $1,000,000 on the third business day of the month in which Preferred Rewards for Wealth Management discontinues, you will transition to the Preferred Rewards Platinum Honors tier.

看完第一句話之後大家先別激動,即將discontinued的項目是 “Preferred Rewards for Wealth Management program” 而不是普通的 Preferred Rewards 項目,這句話想表達的應該是以前的 Merrill Lynch 高端客戶的一個單獨的項目講和普通的 BoA Preferred Rewards 項目合併。這裡用詞是 be automatically transferred to the new Bank of America Preferred Rewards program,感覺意思應該是以前的 BoA Preferred Rewards 屆時也會有一定改版。下一句說的是 new program 裏面,將在超過$1M的檔位那裡新增兩檔(以前最高等級 Platinum Honors等級只需要資產超過$100k)。目前我們並不知道新增的這兩檔會有什麼福利。

其實這個條款中明確說了的變化,只是在$1M以上新增兩檔。目前並沒有官方可靠文字說以前的低檔位福利會有變化。但是如果聯繫起下文講到的之前的調查問卷,我個人的預感是11.12起低檔位的返現加成大概率會被削弱。當然,這個只是我的個人猜測,如果屆時發現原有福利沒有變化,那自然是再好不過的。


【2020.11.17 內容】

BoA Preferred Rewards 項目是BoA的一大特色,如果在BoA的資產比較多,可以讓BoA信用卡返現獲得一定的加成:

  • 普通級別的賬戶可以多得10%;
  • Gold等級(需要資產超過$20k)可以多得25%;
  • Platinum等級(需要資產超過$50k)可以多得50%;
  • Platinum Honors等級(需要資產超過$100k)可以多得75%。

比如如果你有$100k資產,可以獲得75%加成的話,那麼BoA Premium Rewards或BoA Travel Rewards信用卡的返現率就高達1.5*(1+75%)=2.625了。

近日Reddit用戶kdm31091收到了BoA的一份用戶調查,調查問卷里討論的內容是把 BoA Preferred Rewards 減弱的問題,應該就是BoA想知道把這個項目減弱到什麼程度用戶滿意度還OK吧,裏面討論的方案包括從完全沒有加成到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.

看起來BoA的這個項目知道的人越來越多了,他們逐漸承受不了這個成本了,所以想着在儘可能不傷害用戶感情的情況下減弱一下福利。目前還只是個調查問卷,距離真的砍福利還是有段距離的,也許最後不會砍,或者要過很久很久之後才會砍,但是大家對此最好心中有數,以便做好申卡規劃。

P.S. 其實這個 BoA Preferred Rewards 項目之所以在中文社區裏面討論的不是很多,主要是絕大多數中國來留學工作的朋友們都玩不了。$50k~$100k 放在BoA那利率幾乎就是0的checking/savings裏面顯然是不合適的,一年光是賺利息的機會成本就幾百上千刀了;所以想要玩轉這個項目,一定要把資金丟到Merrill Edge投資賬戶里進行投資。但是想要在Merrill Edge開戶,必須要麼是公民綠卡,要麼是少數合作公司的員工,要麼開戶門檻就是$250k資金。所以我估計本站里真的在玩這個項目的人不會很多。【更新】後來 H1B 也可以開戶了。BoA Preferred Rewards 如果被削弱,你會受到影響嗎?


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