Sonesta Rewards Visa Signature® Card

Bank of America Visa Signature Pending

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Basic Information
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Program ID: sonesta-rewards-visa-signature-card

Issuer: Bank of America

Card Name: Sonesta Rewards Visa Signature® Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 13, 2026 14:52

Last Scraped: Jan 15, 2026 17:51

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING

Reward Type: Sonesta Rewards Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x Sonesta Hotels, 2x Gas, 2x Groceries, 2x Dining

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points expire after 24 months of inactivity.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed)
No Card Benefits Available

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Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Hotel Status: Sonesta Travel Pass Gold

Sign-Up Bonus
PENDING

95,000

Points/Miles

Requirement: Spend $2,000 in 90 days

Timing: Typically within 8-12 weeks after requirement is met.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $1.50
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Bank of America's application rules for the Sonesta Rewards Visa Signature Card (and other BoA cards) are primarily governed by their internal velocity rules, often referred to as the '2/3/4 rule' for new accounts. For 2026, it is anticipated these rules will remain: applicants may be denied if they have opened 2 or more Bank of America credit cards in the past 2 months, 3 or more Bank of America credit cards in the past 12 months, or 4 or more Bank of America credit cards in the past 24 months. Eligibility requirements typically include having good to excellent credit (FICO score generally 700+), being 18 years or older, a U.S. resident with a valid SSN/ITIN, and not having received the welcome bonus for this specific card within a certain timeframe (e.g., 24 months) if such a restriction is in place. The welcome bonus typically requires meeting a minimum spending threshold within the first few months of account opening (e.g., earn X points after spending $Y within the first Z months).

Max Cards Per Issuer: 10

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BoA products, rapid application for multiple credit cards (especially across different issuers), sudden large spending inconsistent with historical patterns, defaulting on other Bank of America accounts, frequent balance transfers without new spending, or suspected fraudulent activity.

Cliff Effect Rules: Bank of America does not have specific 'card family' rules that restrict eligibility for certain cards based on holding another card within the same family (e.g., like Chase's Sapphire family rule). Instead, their restrictions are primarily based on the velocity of new account openings across all Bank of America credit cards, as outlined in the 'IssuerRulesText'.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent for Sonesta loyalists, valuable free night certificates, good earning rates on Sonesta stays, dining, and gas purchases.

Top Negative:
Annual fee may not be justified for infrequent Sonesta guests, points are brand-specific with limited redemption flexibility outside Sonesta properties.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred Card
  • Capital One Venture Rewards Credit Card
  • Marriott Bonvoy Boundless Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $600.00

Approval Probability: 75.0%

Version Control
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