Bank of America® Premium Rewards® Elite
Issued by Bank of America
Rates verified June 2026
Welcome Bonus
75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening.
Rewards Rate
1.5x points · up to 2x on Dining
Annual Fee
$550
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
75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening.
Annual Fee
$550
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
75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening.
$550 annual fee — weigh against bonus categories and perks
$150 lifestyle credit
Receive up to $150 annually for lifestyle conveniences including video streaming services, food delivery, fitness subscriptions and rideshare services
$300 airline incidental credit
Receive up to $300 annually in Airline Incidental Statement Credits for qualifying purchases such as seat upgrades, baggage fees, airline lounge fees and in-flight services
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.
Pay with points
Save 20% on domestic or international airfare for any class when you pay with points
Priority Pass™ Select Membershipp
Enjoy free unlimited access to airport lounges and experiences worldwide with up to 4 complimentary Priority Pass™ Select Memberships
Visa Infinite Car Rental Benefits
Get VIP amenities, complimentary status upgrades and discounts with Avis®, Hertz®, National® and Audi on demand.
Visa Infinite Luxury Hotel Collection
Enjoy benefits at premium hotels, including late checkouts, free breakfast daily for two, automatic upgrades and more. (some benefits based on availability)
Network benefits (Visa) — 21 standard protections
24/7 Full-Service Concierge
Complimentary 24/7 Full-Service Concierge to book your travel, dinner reservations, event tickets and more
Auto Rental Collision Damage Waiver
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
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.
Extended Warranty Protection
When you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
Full Service Concierge
Open the door to unique experiences, find tickets to top sports and entertainment events, book travel, make dinner reservations and more with complimentary 24/7 Premium Rewards® Elite Visa Infinite® Concierge service.
Global Entry Statement Credit
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
Golf Benefits from Troon Rewards®
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
Lost Luggage Reimbursement
When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Relais & Châteaux
Visa Infinite cardholders receive special privileges from Relais & Châteaux, a highly prestigious association of approximately 500 luxury properties worldwide.
Return Protection
When you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
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.
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 Accident Insurance
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Travel 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. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
Travel Protections
Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delay, lost luggage reimbursement, roadside assistance, and emergency evacuation and transportation.
Trip Cancellation / Interruption
When you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.
Trip Delay Reimbursement
Anticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
Visa Infinite Concierge Services
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
Visa Infinite Luxury Hotel Collection
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Visa Infinite Rental car privileges
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Direct to the Issuer
The Apply button takes you to Bank of America's own application
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