$0
Annual fee
$250
Bonus value
See the card
Card reviewBank of America
Updated Jul 3, 2026 · research
Bank of AmericaBofA RewardsEditorially reviewed
Bank of America® Premium Rewards® Credit Card
60,000 online bonus points, 2x points on travel and dining, 1.5x points on all other purchases, $95 annual fee, and no foreign transaction fees.
PremiumPersonal
Visa
$95
Annual fee
2x pts dining purchases
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
60,000 points
$600 estimated value
Spend $4,000 in 90 days
Verifiedofficial product page
Card Offers
public
60,000 points
$600 estimated value
Spend $4,000 in 90 days
official product_page
Earning Rates
dining purchases
2xpoints
Base earning rate. BofA Rewards may provide bonus rewards for eligible enrolled customers, but exact multiplier tiers are not stated on the supplied page.
travel purchases
2xpoints
Base earning rate. BofA Rewards may provide bonus rewards for eligible enrolled customers, but exact multiplier tiers are not stated on the supplied page.
all other purchases
1.5xpoints
Base earning rate. BofA Rewards may provide bonus rewards for eligible enrolled customers, but exact multiplier tiers are not stated on the supplied page.
Pros & Cons
Pros
- 2 points per dollar on travel and dining
- 1.5 points per dollar on all other purchases
- 60,000-point welcome bonus after $4,000 spend
- Up to $200 in combined annual travel credits
- No foreign transaction fees
Cons
- $95 annual fee
- No introductory APR offers
- High variable APR up to 27.49%
- Rewards earned as points only
Key Takeaways
- Earn 2x points on travel and dining, 1.5x on everything else
- 60,000 bonus points after $4,000 in 90 days
- $100 airline incidental credit yearly plus $100 security credit every 4 years
- $95 fee with no foreign transaction fees
- Visa card with variable APR 19.49% - 27.49%
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 19.49% - 27.49%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
9 benefits (2 strong or better)
Travel Insurance
Travel Access & Perks
Travel Credits
Purchase Protection
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the Bank of America Premium Rewards Credit Card?
The annual fee is $95. It is not waived in the first year.
What are the rewards earning rates?
Cardholders earn 2 points per dollar on travel and dining purchases. All other purchases earn 1.5 points per dollar.
What is the welcome bonus offer?
Earn 60,000 bonus points, a $600 value, after making at least $4,000 in purchases within the first 90 days of account opening.
Does this card charge foreign transaction fees?
No, there are no foreign transaction fees on purchases made outside the United States.
What statement credits are available?
Up to $100 annually for qualifying airline incidental purchases like seat upgrades, baggage fees, in-flight services, and lounge fees. Up to $100 every four years for TSA PreCheck or Global Entry application fees.
What is the APR range?
The standard variable APR ranges from 19.49% to 27.49% for purchases and balance transfers.
Who is eligible to apply?
This is a personal credit card available through Bank of America. Specific eligibility depends on credit approval.
About This Card
Travelers and diners who spend moderately on everyday purchases and value statement credits for airline fees and security programs. Ideal for those seeking premium travel perks without a high annual fee.
Bank of America® Premium Rewards® Credit Card with a 60,000 online bonus points offer, 2 points per $1 on travel and dining, 1.5 points per $1 on all other purchases, up to $200 in travel statement credits, a $95 annual fee, and no foreign transaction fees.
It offers a strong 1.5 points per dollar on everyday spending combined with travel credits at a modest $95 annual fee, setting it apart from similar premium travel cards.
Ready to Decide?
Apply for the Bank of America® Premium Rewards® Credit Card
60,000 points, worth about $600 estimated value, with a $95 annual fee.
Spend $4,000 in 90 days
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Rewards program
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Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's reviewed
Analyzed by the Rewardopedia Engine.
Data Quality
- 8 of 9 benefits rated high confidence
- 1 of 1 offer verified
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Read our full methodology for how we collect, verify, and rate credit cards.
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