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Bank of America® Premium Rewards® Credit Card
A strong mid-tier Visa for people who want travel and dining rewards without a luxury-card annual fee.
- Best for
- Bank of America and Merrill customers
- Annual fee
- $95
- Rewards
- 2 points per $1 on travel and dining purchases and 1.5 points per $1 on other purchases.
- Welcome offer
- Issuer-listed offer as of verification date; verify before publishing or updating affiliate copy.
- 2x travel/dining
- 1.5x everything else
- $95 annual fee
- No foreign transaction fees
Issuer terms apply.
Best quick win: 2x on travel and dining plus 1.5x on everything — at a moderate $95 annual fee.
Why this card stands out
The specific benefits that make this card stand out.
2x points on travel
Earn 2 points per $1 on travel purchases.
2x points on dining
Earn 2 points per $1 on dining purchases.
1.5x on everything else
Earn 1.5 points per $1 on all other purchases — solid base earning.
Points never expire
Points do not expire as long as the account remains open.
No foreign transaction fees
Use it abroad without paying extra on every purchase.
What the rewards actually mean
A clean middle-ground rewards card. Earn double on travel and dining, 1.5x on everything else, and unlock more value if you have a qualifying Bank of America relationship.
Tip: "5x points" means you earn 5 points per $1 spent in that category. Point values depend on how you redeem.
Issuer terms apply.
Is this your card?
A Bank of America or Merrill customer who wants a mid-tier travel rewards card.
You do not bank with Bank of America and want premium lounge perks.
Use this card for
- Flights
- Dining
- Everyday
- Travel
Things to know
- Maximum value may depend on Bank of America Preferred Rewards relationship benefits.
- Less lounge-focused than premium travel cards.
Welcome offer
Issuer-listed offer as of verification date; verify before publishing or updating affiliate copy.
Also ranked in
Compare against alternatives
Chase Sapphire Preferred® Card
- 5x Chase Travel
- 3x dining
Capital One Venture X Rewards Credit Card
- $300 Capital One Travel credit
- 10,000 anniversary miles
Chase Sapphire Reserve®
- $300 travel credit
- 8x Chase Travel
Bank of America® Premium Rewards® Credit Card — FAQ
Editorial standards
How we rate cards is explained in our editorial methodology. How we make money is explained in our advertiser disclosure. You can also browse the full Best Visa Cards ranking or the Visa Signature vs Visa Infinite guide.Bank of America® Premium Rewards® Credit Card
- 2x travel/dining
- 1.5x everything else
- $95 annual fee
Issuer terms apply.