Loyalty programs often reward you for a single type of activity. Airline programs reward flights. Hotel programs reward stays. Credit card rewards programs reward spending.

Bank of America's BofA Rewards™ program rewards you for your entire financial relationship with the bank, whether you're making everyday purchases, saving for a big goal or financing major life milestones.

Even better: The program is now more accessible than ever before. Anyone with a Bank of America personal checking account can join — with no minimum balance or enrollment fee required. Your tier is determined by a three-month combined average of daily balances across qualifying Bank of America and Merrill accounts.

A great solo travel tip spotted this week on The Points Guy Articles.

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