Bank of America® Premium Rewards®
Issued by Bank of America
Rates verified July 2026
Welcome Bonus
60,000 online bonus points — a $600 value — after you make at least $4,000 in purchases in the first 90 days of account opening.
Rewards Rate
1.5x points · up to 2x on Dining
Annual Fee
$95
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1.5x points · up to 2x on Dining
Welcome Offer
60,000 online bonus points — a $600 value — after you make at least $4,000 in purchases in the first 90 days of account opening.
Annual Fee
$95
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Dining, Travel
Why We Recommend This Card
2.0% on Dining
2.0% on Travel
60,000 online bonus points — a $600 value — after you make at least $4,000 in purchases in the first 90 days of account opening.
$95 annual fee — weigh against bonus categories and perks
$100 airline incidental credit
Get up to $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees - automatically applied to your card statement
Airport Security Statement Credits
Get up to $120 in Airport Security Statement Credits for TSA PreCheck® or Global Entry application fees, every four years
Earn more cash back
If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
FICO® Score
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
Visa Signature® Luxury Hotel Collection
Enjoy a premium set of benefits when you use your Premium Rewards® card to book through the Visa Signature Luxury Hotel Collection.
Network benefits (Visa) — 17 standard protections
Automotive protections
Feel safer on the road with our 24/7 Roadside Dispatch Program, plus added protection with Auto Rental Collision Damage Waiver.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Global Entry Statement Credit
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
Golf Benefits from Troon Rewards®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
OpenTable
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
Enjoy access to over 1,700 airport lounges and experiences around the globe.
Purchase protections
Shop with confidence, with excellent purchase protections like Warranty Manager Service, Return Protection and Purchase Security. These can help with repair, replacement or reimbursement on purchases, or extend the manufacturers' warranty.
Roadside Dispatch®
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Stay connected in over 175 countries
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Travel protections
Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays, lost luggage and emergency evacuation and transportation.
Universal Destinations & Experiences
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Concierge
Get assistance with travel planning, entertainment tickets and more.
Visa Signature Luxury Hotel Collection
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Direct to the Issuer
The Apply button takes you to Bank of America's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information