Point values · Bank rewards points

What are Bank of America points worth?

Credit Upside values Bank of America points at a conservative 1.00¢ per point — the same mid-range number the optimizer uses to score your spending. That's about 1.00× a penny — a Bank of America point is worth more than a 1¢ cash-back point.

Updated 2026-09-16

1.00¢ per Bank of America point
50,000 points is about $500 at our value.

What you actually get depends on how you redeem. A great redemption can beat this; cashing out often pays less.

How we get to 1.00¢

Bank of America points are a bank's own rewards points, redeemable for travel or cash. We use a single conservative mid-range value — not the best-case redemption a points blog might quote — because the optimizer has to be honest about what you'll typically get, not what's theoretically possible. Your own redemptions can beat it (a well-timed transfer) or trail it (a low-value cash-out). Full methodology →

Cards that earn Bank of America points

Is a Bank of America point better than cash?

At 1.00¢, yes on paper — but only if you redeem near that value. A 1.00¢ point that you cash out at 1¢ is just a 1¢ point. The only way to know for your wallet is to score real spending — which is what the app does, applying this value to every charge.

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Want the ranked version? Best cards that earn Bank of America points puts all 6 of them in order by real cents back per dollar — the printed rate times this 1.00¢ value.

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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →

Valued near it: Navy Federal points (1.00¢) · U.S. Bank points (1.00¢) · Wells Fargo Rewards points (1.00¢) · Amex Membership Rewards (1.10¢) · Citi ThankYou points (1.10¢)

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