TravelDiari matches your credit cards to every hotel booking — saving you points you'd otherwise miss.
Partner pitchCardholder-side intelligence layer

Bank of America × TravelDiari

BoA's Preferred Rewards program is the single largest unsung loyalty multiplier in US consumer banking — Platinum Honors clients earn 2.62%-3.5% effective cashback with NO fee on the standard cards. Yet most BoA primary-banking customers don't have any BoA card.

BoA flagship cards in scope

Premium Rewards Elite$550/yr fee$800 credits advertised
Travel RewardsNo annual fee

The engagement-decay gap

$800 advertised. ~$280 realized.

If you keep $100K+ at BoA/Merrill, Platinum Honors gives you a 75% rewards multiplier on every BoA card. The Premium Rewards Elite at $550 gets you to ~4.4% on dining + travel with Platinum Honors. The Travel Rewards at $0 gets you to 2.62% flat on everything. This is a top-tier no-fee setup hidden behind 'we don't really do points.' Cardholders with $100K+ at BoA but using a CSR or Amex are leaving 1-2% of every transaction on the table; cardholders without the relationship are missing it because nobody markets it.

Combined annual fees

$550

Advertised credit value

$800

Typical realized

~$300

Realized-vs-advertised gap

65%

What we'd build for BoA cardholders

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    Preferred Rewards tier surface — auto-detects whether the cardholder is at Gold / Platinum / Platinum Honors and shows the effective multiplier

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    Cross-issuer comparator — 'with your $200K at Merrill you're at 3.5% effective on this card vs 2% on your CSR' decisions made explicit

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    Relationship-banking nudge for non-BoA cardholders — for the 'Pro' segment with significant assets elsewhere, surfaces the Preferred Rewards opportunity

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    2/3/4 velocity rule integration — surfaces the BoA application velocity constraint when planning multi-card applications

Expected lift on the engaged cohort

These are calibrated targets, not measured results — Phase 1 pilot produces real data.

Realized benefits / cardholder / quarter

+$400–1100

Additional realized-benefit dollars per quarter above untreated baseline. Driven by claim-tracking + expiry nudges.

Annual renewal-rate lift

+5–10 pp

Renewal correlates directly with realized-benefits perception. Moving the under-utilized cohort up = direct renewal lift.

Cardholder spend-velocity lift

+10–25%

Every claim = a transaction. Category routing increases multipliers earned per dollar, which makes the card preferred.

The unfunded pilot

6 weeks. 1,000 cardholders. One report.

  1. Phase 1We instrument 1,000 self-selected BoA cardholders. Track realized-benefit dollars per cardholder. Produce a one-page report after 60 days. No commitment from BoA, no spend.
  2. Phase 2If the numbers compel, BoA includes a CTA in new-cardholder onboarding emails. Six-month measurement window. Activation-rate cohort split.
  3. Phase 3Discuss embedded Card Coach economics with revenue/cost sharing tied to measurable spend lift.
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