Sonesta Rewards Visa Signature® Card
Basic Information
Program ID: sonesta-rewards-visa-signature-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/13/2026 14:52
Last Scraped: 01/15/2026 17:51
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Sign-Up Bonus
Bonus Amount: $95,000.00
Spending Requirement: $2,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met.
Rewards Program
Reward Type: Sonesta Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Sonesta Hotels, 2x Gas, 2x Groceries, 2x Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 24 months of inactivity.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Hotel Status: Sonesta Travel Pass Gold
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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).
Maximum Cards Per Issuer: 10
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for Sonesta loyalists, valuable free night certificates, good earning rates on Sonesta stays, dining, and gas purchases.
Top Negative Feedback:
Annual fee may not be justified for infrequent Sonesta guests, points are brand-specific with limited redemption flexibility outside Sonesta properties.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 25% Sonesta / 75% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%