Compare cards
| Bank of America® Premium Rewards® Credit CardBank of America | More Rewards American Express® CardNavy Federal | |
|---|---|---|
| Value to our typical spender $2,500 a month of spending, from each card’s published terms: rewards and credits minus fees. Points count only at a stated cash value. | ||
| A year, after the first | $380 | $565Highest |
| The first year, bonus included | $980Highest | $765 |
| Costs | ||
| Annual fee | $95 | $0Lowest |
| Purchase APR today | 19.74–27.74% | 14.15–18.00%Lowest |
| Intro APR | None | None |
| Balance transfer fee | 5% of the amount of each transaction | No balance transfer fees |
| Foreign transaction fee | None | No foreign transaction fees |
| Late fee | Up to $41 | Not on file |
| Rewards and the offer | ||
| On everything else | 1.5× points | 1× points |
| Top earning categories |
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|
| Welcome offer | 60,000 points | 20,000 points |
| Spending it takes | $4,000 in 3 months, about $1,333 a month | $2,000 in 3 months, about $667 a month |
| Bonus limit | Not on file | Not on file |
| Who it’s for | ||
| Recommended credit | Not on file | Not on file |
| The figures | ||
| Checked | Checked Oct 10, 2026 | Checked Oct 10, 2026 |
| Issuer’s page | Visit bankofamerica.com | Visit navyfederal.org |
Each card's page shows where every figure comes from. “Lowest” marks the lowest annual fee and APR among these cards, “Highest” the highest value to our typical spender; nothing else is ranked. How we value cards