Bank of America · Visa · personal · Bank of America Points
Bank of America
Premium Rewards
VISA
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$95
annual fee
0%
foreign txn fee
$85
credits/yr realistic ($125 face)
$600
sign-up bonus ≈ 60000 points after $4,000/3mo
Earning
| Travel (general) | 2x | 2% |
| Dining & restaurants | 2x | 2% |
| Everything else | 1.5x | 1.5% |
Right column: value per $ at travel valuation (1¢/pt). 1¢ toward travel/dining statement credits (Travel Rewards) or cash (Premium Rewards).
Credits
- $100 Airline incidental credit /year · medium to useSeat upgrades, baggage fees, inflight services
- $100 Global Entry / TSA PreCheck /every 4 years · easy to useFee reimbursement
Benefits
- No foreign transaction fees
- Preferred Rewards boost: Preferred Plus ($30k) 2.5x/1.87x, Preferred Honors ($100k) 3x/2.25x, Premier ($1M) 3.5x/2.62x
Protections
| purchase protection | 90 days, up to $10,000 per claim |
| extended warranty | +1 year |
| trip cancellation | Up to $5,000 |
| trip delay | Up to $500 after 12 hours |
| baggage delay | Up to $100/day |
| lost luggage | Up to $3,000 |
| rental car | secondary |
| travel accident | Up to $500,000 |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/bank-of-america-premium-rewards-credit-card/: $95, 2x travel and dining, 1.5x else, $100 airline incidental, $100 GE/TSA, Preferred Rewards tiers, 60k after $4k, no FTF (Bankrate, Aug 3 2026). Protections still from model knowledge.