What’s better than earning elite status? How about getting it for just having money in the bank, like GHA Titanium Status for $100,000 in Bank of America accounts.

Bank of America has a useful BofA Rewards program

Bank of America nerfed their rewards program just a bit in 2026, but BofA Rewards still remains a benefit if you hold enough money in their accounts. Benefits include up to 75% more rewards (points, cash back) when using Bank of America credit cards, identity monitoring, and lifestyle benefits. Exactly how much benefit you get is dependent upon how much you have in their investments. Bank of America wants to rewards those who have a deep relationship with them across a broad spectrum of products, understandably.

Just what lifestyle benefits are there? Examples include:

• A discount on Regent Seven Seas cruises that’s stackable with public discounts
• Bonus savings with selected merchants including Lexus and Crate & Barrel
• Free Titanium status with GHA Discovery (one-time) if you hold at least Preferred Honors status

Eligibility for BofA Rewards

To be eligible for BofA Rewards, you’ll need an open, qualifying Bank of America checking account. Then, maintain the corresponding average balance across multiple deposit and investment accounts:

• Member, no minimum balance
• Preferred Plus, $30,000 minimum combined balance across all accounts
• Preferred Honors, $100,000 minimum combined balance across all accounts
• Premier, $1,000,000 minimum combined balance across all accounts

Average balance is determined based on one of the following:

1. For the 30 calendar days following your first enrollment, the combined end-of-day collected balance of your qualifying accounts, provided the threshold is crossed for at least 3 business days.
2. The combined average balance of your qualifying accounts calculated on the third business day of each month.

While 401(k) or 403(b) accounts do not qualify for BofA Rewards eligibility, IRAs do count towards the thresholds. That means that you could theoretically convert your 401(k) into an IRA for the purpose of meeting the criteria. However, you should consult your retirement planner before doing such a thing. This is not retirement advice.

What is GHA Discovery Titanium status?

While we’ve talked about elite status at many hotel chains before, we haven’t talked much about Global Hotel Alliance’s GHA Discovery loyalty program. Some of the chain’s more well-known brands include NH Hotel Group, Outrigger Resorts & Hotels, and Pan Pacific Hotels, just to name a few. Think of the brand as focused more on luxury, perhaps to a larger extent than Hyatt is.

From an earn-and-burn perspective, the loyalty program is mostly just cash back for your stays, which leads to a lack of an ability for outsized value. And with a large focus on luxury properties, it’s going to be expensive to stay here and also take a while to earn enough for the stay you want with the rewards.

Where it gets more interesting is on the elite recognition side of the loyalty program. The program has 4 tiers with Titanium being the highest level:

• Silver (base level)
• Gold (2 nights or $1,000 USD in spend)
• Platinum (10 nights or $5,000 USD in spend)
• Titanium (30 nights or $15,000 USD in spend)

If you get instant Titanium status what can you expect? Here are the key benefits:

• 7% back in rewards towards future GHA stays
• A double room upgrade
• Complimentary breakfast for two
• 11AM early check-in and 4PM late check-out, subject to availability
• A welcome amenity

What are some of the better GHA properties?

One of the things that hotel chains fail to do well is advertise their properties. That sounds a bit strange but let me try to explain. Let’s say I’m a parent and I’m interested in taking my kids somewhere fun. If I’m a Marriott loyalist, what are some options of Marriott hotels that I should check out? I’d have to go to various third-party websites to figure that out.

But GHA does a better job at advertising themselves to a consumer who might not know all of the GHA properties by heart. Here are a few examples of different lists of hotels to consider:

• Award-winning hotels
• Top 10 island destination hotels
• Top 10 hotels for the family
• Top 7 safari hotels, including family-friendly options
• Top 8 best pools

Who voted on the top hotels in these lists? Got me, but at least they have something to go off of when trying to discover someplace new to explore.