Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Bank of America Atmos™ Rewards Ascent Visa Signature® Bank of America Premium Rewards

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Bank of America Premium Rewards

Bank of America

Atmos™ Rewards Ascent Visa Signature®

Annual fee
$100
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 5×Climate-positive actions and sustainable partner brands · cash_back_percent
  • 5×Electric vehicle charging and public transportation · cash_back_percent
  • 1×All other purchases · cash_back_percent

Key benefits

  • Annual $99 Companion Fare (Spend Tier) · $400
  • Free first checked bag · $140
  • Status points from card spending · $0
  • $100 off Alaska Lounge+ Membership · $0
  • Preferred boarding · $0
Full Bank of America Atmos™ Rewards Ascent Visa Signature® review

Bank of America

Premium Rewards

Annual fee
$95
Network
visa
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 2×Travel · Bank of America Premium Rewards
  • 2×Dining · Bank of America Premium Rewards
  • 1.5×All other purchases · Bank of America Premium Rewards

Key benefits

  • Visa Signature concierge service · $0
  • No foreign transaction fees · $0
  • Purchase security · $0
  • Roadside dispatch · $0
  • Warranty Manager Service · $0
Full Bank of America Premium Rewards review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer