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Bank of America · credit
Last updated
Typically needs good credit (guideline, not a guarantee)
Is the BofA Premium Rewards worth keeping when the fee hits? →
Welcome offer — Offer varies — typically 60,000 points after $4,000 spend in 90 days Estimated by source
Apply on Bank of America's siteOfficial issuer page (not an affiliate link yet) · how we earn
Personalize this for you → add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 2× | Travel & dining Inferred by source |
|---|---|
| 1.5× | Everything else Inferred by source |
| Airline incidental credit | $100/yr · annual Inferred by source |
|---|---|
| Global Entry / TSA PreCheck | $100/yr · one-time Inferred by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
No lounge access.
| Preferred Rewards boost | Up to 75% more points with Bank of America Preferred Rewards tiers Inferred by source |
|---|
| Trip cancellation | Trip cancellation/interruption protection Inferred by source |
|---|---|
| Baggage | Lost/delayed baggage protection Inferred by source |
| Rental car CDW | Secondary auto rental coverage Inferred by source |
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Bank of America® Premium Rewards® Credit Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Bank of America® Premium Rewards® Credit Card returns about $200 in value against its $95 annual fee — a net of +$105 per year. It can pay for itself if you actually use the credits.
The Bank of America® Premium Rewards® Credit Card earns 2x on travel & dining, 1.5x on everything else.
No — the Bank of America® Premium Rewards® Credit Card does not include airport lounge access.
No — the Bank of America® Premium Rewards® Credit Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically 60,000 points after $4,000 spend in 90 days. Welcome offers change frequently — confirm the current one on the issuer's page before applying.