Bank of America® Premium Rewards® Credit Card
60,000 points welcome bonus. $95 a year.
- Welcome offer
- Issuer's pagebankofamerica.com
“60,000 online bonus points after you make at least $4,000 in purchases in the first 90 days of account opening”
- Annual fee
- Issuer's pagebankofamerica.com
“Low $95 annual fee † and no foreign transaction fees †”
- Purchase APR
- Issuer's pagebankofamerica.com
“19.74% - 27.74%”
- Foreign transaction fee
- Issuer's pagebankofamerica.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $90 | $90 |
| Typical spender | $980 | $380 |
| Heavy spender | $1,605 | $1,005 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 85% of the 650 cards we track.
- Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
60,000 points
At least $4,000 in purchases
Make the required purchases in the first 90 days of account opening; the offer is described as 60,000 online bonus points, a $600 value.
How you earn · BofA Rewards™
- 2× pointstravel purchases
- 2× pointsdining purchases
- 1.5× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagebankofamerica.com “Low $95 annual fee † and no foreign transaction fees †” |
|---|---|
| Purchase APR | Issuer's pagebankofamerica.com “19.74% - 27.74%” |
| Intro APR | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Airline Incidental Statement Credit: $100 annual
- Airport Security Statement Credit: $100 every 4 years
- Up to $100 in Airport Security Statement Credits for TSA PreCheck® or Global Entry application fees, every four years.
- No foreign transaction fees on purchases outside the United States.
- Travel protections for trip delays, cancellations and interruptions, baggage delays, lost luggage, and emergency evacuation and transportation.
- Visa Signature® Luxury Hotel Collection benefits when booking through the collection.
- Visa Signature® concierge service for travel planning, restaurant recommendations and event reservations.
- 24/7 Roadside Dispatch Program.
- Trip delay
- Trip cancellation
- Baggage
- Emergency assistance
- Rental car
- Purchase protection
- Extended warranty
- Return protection
- Roadside
Questions
- What is the annual fee?
- $95 bankofamerica.com, since Oct 4, 2026
- Does it charge a foreign transaction fee?
- No. bankofamerica.com, since Oct 4, 2026
- What is the purchase APR?
- 19.74–27.74% APR bankofamerica.com, since Sep 29, 2026
- Is there a welcome bonus?
- 60,000 points after $4,000 in purchases. bankofamerica.com, since Oct 4, 2026
Other points cards with fees up to $100
- Citi Strata Premier - TravelCiti · $95 a year+$90 a year
- Bilt ObsidianBilt · $95 a year+$60 a year
- Royal ONE PlusBank of America · $99 a year−$45 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).