Bank of America Premium Rewards
Points card from Bank of America
$95
annual fee
~$120 in credits = $0 effective fee
- 2x on travel and dining, 1.5x on everything
- 60,000 bonus points
- $100 airline incidental credit
- No foreign transaction fees
- Up to 75% bonus with Preferred Rewards
$600 value
after $4,000 spend in 90 days
Good (670-749)
Personal card
19.49%–29.49%
Variable APR
None
Great for international travel
1.5x
On all other purchases
Rewards Structure
| Category | Rate | Details |
|---|---|---|
| Travel | 2x | — |
| Dining | 2x | — |
| Everything else | 1.5x | Base rate on non-bonus spending |
Annual Credits & Perks
Airline Incidental Credit
$100/yr$100 toward incidental airline fees
Easy to useTSA PreCheck/Global Entry
$20/yrCredit every 4 years
Easy to useTotal credits value: $120/year — credits offset the annual fee entirely
Rates and fees disclosure
Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.
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