Bank of America Elite Visa Infinite
The Bank of America Elite Visa Infinite from Bank of America earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $550. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $550
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Bank of America Elite Visa Infinite earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values Bank of America points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Bank of America Elite Visa Infinite reward caps and conditions?
The Bank of America Elite Visa Infinite has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn unlimited 2 points for every $1 spent on travel and dining purchase
Who should get the Bank of America Elite Visa Infinite?
The Bank of America Elite Visa Infinite fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Bank of America Elite Visa Infinite fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 29% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $550 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
Cons
- $550 annual fee requires enough spend in bonus categories to offset.
- Bank of America points value depends on how you redeem, not straight cash back.
Does the Bank of America Elite Visa Infinite have an annual fee, and what's the welcome bonus?
The Bank of America Elite Visa Infinite has an annual fee of $550 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $550
- Foreign transaction fee
- None
What benefits come with the Bank of America Elite Visa Infinite?
The Bank of America Elite Visa Infinite includes Auto Rental Collision Damage Waiver, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto Rental Collision Damage WaiverIncluded with Visa Infinite®
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
- Booking.comIncluded with Visa Infinite®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Infinite®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Extended Warranty ProtectionIncluded with Visa Infinite®
When you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
- Global Entry Statement CreditIncluded with Visa Infinite®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Infinite®
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
- Lost Luggage ReimbursementIncluded with Visa Infinite®
When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
- Relais & ChâteauxIncluded with Visa Infinite®
Visa Infinite cardholders receive special privileges from Relais & Châteaux, a highly prestigious association of approximately 500 luxury properties worldwide.
Common questions about the Bank of America Elite Visa Infinite
Does the Bank of America Elite Visa Infinite have an annual fee?
The Bank of America Elite Visa Infinite carries an annual fee of $550 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Bank of America Elite Visa Infinite?
Dining is the strongest Madeen category for the Bank of America Elite Visa Infinite at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Bank of America Elite Visa Infinite charge foreign transaction fees?
The Bank of America Elite Visa Infinite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Bank of America Elite Visa Infinite annual fee worth it?
Whether the $550 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Bank of America Elite Visa Infinite?
Madeen's catalog lists a typical credit range of Excellent for the Bank of America Elite Visa Infinite. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Bank of America Elite Visa Infinite?
Rewards on the Bank of America Elite Visa Infinite post as Bank of America points. Redemption value depends on how you use Bank of America points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Bank of America Elite Visa Infinite compare to similar cards?
Compare the Bank of America Elite Visa Infinite against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bank of America Elite Visa Infinite This card | Dining | 2% | $550 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
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