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 |
The total counts each credit at face value, and only the ones reachable at this spending level.
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.
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- Marriott Bonvoy Boundless® Credit Card$1,149 (+$659)