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Bank of America Premium Rewards Card card art
Sign-up bonus
60,000 points ≈ $600 value
after $4,000 spend in 90 days
Bank of America

Bank of America Premium Rewards Card

Consumer
Annual fee $95 Fact
Foreign transaction fee None
Rewards currency points
Est. point value 1.00¢ Estimate
Apply for this card

Last updated Jul 24, 2026

Checked Jul 24, 2026

Before you apply
7/12. Bank of America generally declines applicants who have opened 7 or more cards from any issuer in the past 12 months. Without a Bank of America deposit relationship the commonly reported bar is 3 cards in 12 months. Community-reported.
2/3/4 rule (2 in 2 months). Bank of America generally approves at most 2 of its cards per rolling 2 months. Community-reported.
2/3/4 rule (3 in 12 months). Bank of America generally approves at most 3 of its cards per rolling 12 months. Community-reported.
2/3/4 rule (4 in 24 months). Bank of America generally approves at most 4 of its cards per rolling 24 months. Community-reported.

General Bank of America policies as commonly reported by applicants, not a prediction about your application.

📈 Sign-up bonus history
5-year best: 60,000 points
Sign-up bonus Spend requirement
2022 2023 2024 2025 2026 50,000 points after $3,000 spend (Jul 2021 to Sep 2023) 50k 60,000 points after $4,000 spend (Sep 2023 to now) 60k ★ $3,000 minimum spend required (Jul 2021 to Sep 2023) $3k $4,000 minimum spend required (Sep 2023 to now) $4k
View as a table
PeriodBonusSpend requirement
Jul 2021 to Sep 2023 50,000 points $3,000
Sep 2023 to now 60,000 points Best $4,000

Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.

How you earn
CategoryRateCurrencyCap
Restaurants 2x points No cap
Travel 2x points No cap
Everything else 1.50x points No cap
Recurring credits
Estimated value
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 $100/yr (Calendar Year)
Up to $100 in Airport Security Statement Credits for TSA PreCheck or Global Entry application fees, every four years $25/yr (one-time/annual)

Credit value depends on whether you use each credit; treat these as potential value.

Benefits & protections
Card facts
Elite Status & Upgrades 1

Enjoy a premium set of benefits when you use your Premium Rewards card to book through the Visa Signature Luxury Hotel Collection.

Travel Benefits 1

The Visa Signature concierge service gives you access to concierges who can help with travel planning, restaurant recommendations and event reservations.

Lifestyle & Entertainment 1

An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America checking account to your credit card. No transfer fees.

Protection & Insurance 4

We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.

Purchase protections like Warranty Manager Service, Return Protection and Purchase Security that can help with repair, replacement or reimbursement on purchases, or extend the manufacturers' warranty

Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays, lost luggage and emergency evacuation and transportation.

24/7 Roadside Dispatch Program, plus added protection with Auto Rental Collision Damage Waiver.

How to redeem

points don't transfer to airline or hotel partners. Redeem them by booking travel through the issuer's travel portal or converting to cash / statement credit at the estimated value shown above.