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Bank of America · synced with issuer page
Bank of America

Premium Rewards

Annual fee
$95
Network
visa
Type
personal

It earns unlimited 2 points per $1 on travel and dining and 1.5 points per $1 on all other purchases, with higher earning rates available to eligible Bank of America Preferred Rewards members.

Bank of America Premium Rewards

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$200

What the issuer advertises.

02Realistic
$200

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

Why Perqt says this
  • $200 advertised across 2 benefits.
  • Airline Incidental Statement Credit ($100) posts automatically. No hoops.
  • No-hoops value covers 211% of the annual fee.
Better fit if
  • You'll actually use Airline Incidental Statement Credit.
  • 2× on travel purchases matches your spend.
  • No-hoops credits alone clear the fee.
Probably not if

    Welcome offer

    60,000 online bonus points — a $600 value — after you make at least $4,000 in purchases in the first 90 days of account opening

    Est. value
    $600
    Minimum spend
    $4,000
    Within
    3 mo

    Earning rates

    • All other purchases
      1.5×
      pts
    • Top earn
      Travel purchases
      2×
      pts
    • Top earn
      Dining purchases
      2×
      pts

    On-card benefits & credits

    • Airline Incidental Statement Credit
      $100
      /Annual
    • Airport Security Statement Credit
      $100
      /One-time
    • $0 Liability Guarantee
      $0
      /As needed
    • Visa Signature Concierge Service
      $0
      /As needed

      Visa Signature® concierge service can help with travel planning, restaurant recommendations, and event reservations. Costs of booked goods or services remain the cardholder's responsibility.

    • Purchase Security
      $0
      /As needed

      Eligible purchases receive Purchase Security, which may provide repair, replacement, or reimbursement. The supplied sources do not state a reimbursement ceiling or coverage window.

    • Roadside Assistance
      $0
      /As needed

      The card includes a 24/7 roadside dispatch program. Any service charges and limits are not specified in the supplied sources.

    • No Foreign Transaction Fees
      $0
      /As needed

      The card does not charge foreign transaction fees on purchases made outside the United States.

    • Warranty Manager Service
      $0
      /Annual

      Eligible purchases receive Warranty Manager Service, which may extend the manufacturer's warranty. The supplied sources do not state a reimbursement ceiling or extension period.

    • Return Protection
      $0
      /As needed

      Eligible purchases receive return protection under the card's applicable benefit terms. The supplied sources do not state a reimbursement ceiling or return window.

    • Auto Rental Collision Damage Waiver
      $0
      /As needed

      The card includes Auto Rental Collision Damage Waiver protection. The supplied sources do not state a reimbursement ceiling; a reviewer describes the coverage as secondary.

    • Baggage delay and lost luggage protections
      $0
      /As needed

      Travel insurance protections include baggage-delay and lost-luggage coverage. The supplied sources do not state reimbursement ceilings.

    • Emergency Evacuation and Transportation
      $0
      /As needed

      Travel insurance protections include emergency evacuation and transportation assistance. The supplied sources do not state a reimbursement ceiling.

    • Trip Delay Insurance
      $0
      /As needed

      Travel insurance protections assist with eligible trip delays, cancellations, and interruptions. The supplied sources do not state reimbursement ceilings.

    Other Bank of America cards

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