Bank Of America® Premium Rewards® Credit Card
A $95-annual-fee cashback-and-points card from Bank of America, National Association, with a $600 signup bonus.
Bank of America, National Association · VISA
- Annual fee
- $95
- Purchase APR
- 19.49–27.49%variable
- Signup bonus
- $600
- Foreign transaction
- None
Earn Rules
| Travel | 2.00% |
| Dining | 2.00% |
| All Other | 1.50% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge feesyearSource ↗ | $100/yr |
| $100 in Airport Security Statement Credits for TSA PreCheck® or Global Entry application fees, every four yearsevery 4 years (amortized)Source ↗ | $25/yr |
| Total credits / year we count | $125 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
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
Value: $600 · Spend $4,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 27.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
Wondering if this card pays off for your situation? Is the Bank Of America® Premium Rewards® Credit Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- British Airways Visa Signature® Credit Card$1,249 (+$760)
- Iberia Visa Signature® Credit Card$1,245 (+$755)
- Marriott Bonvoy Boundless® Credit Card$1,149 (+$659)