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Want to know how Bank of America’s banking tiers work and how to use them to unlock massive rewards? In this video, we break down the Bank of America banking pyramid, from entry-level accounts all the way to Private Bank status. Whether you have $300 or $3M+, you’ll see exactly which tier makes the most sense for your situation.

We’ll cover:
All Bank of America banking tiers and requirements (Non-Preferred, Gold, Platinum, Platinum Honors, Diamond Honors, Private Bank)
The perks at each level, including up to 75% more rewards on eligible credit cards
The $100K Platinum Honors strategy that earns up to 5.25% cash back or 2.625% everywhere
Business account tiers and how they differ from personal tiers
How Merrill investment balances count toward your tier
Which tier is the true sweet spot for business owners and high-net-worth individuals

Whether you’re a business owner, frequent traveler, or just looking to maximize your banking perks, this guide will help you decide which tier to aim for — and how to get there faster.

Timeline
0:00 Start Here
0:18 Level 1: Non-Preferred
0:41 Level 2: Gold
2:46 Level 3: Platinum
3:16 Level 4: Platinum Honors
7:16 Level 5: Diamond Honors
8:58 Level 6: Private Bank
10:23 Business Levels
11:56 Merrill Lynch Levels









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