Bank of America Premium Rewards
60,000 points welcome · 2x on travel · $95/yr
This is the sensible middle of Bank of America's travel lineup: $95 a year buys 2x points on travel and dining, 1.5x on everything else, and no foreign transaction fees, which is a genuinely flat, high floor for a card in this price range. Two credits do most of the work on the fee, $100 a year toward airline incidentals like seat upgrades and baggage, and up to $100 back on Global Entry or TSA PreCheck every four years. The 60,000-point bonus after $4,000 in three months is a solid opening, and the 1.5x base rate means you are not punished for putting non-category spend on it. The catch is there is nothing beyond that: no lounge access, no elevated portal rates, and the multipliers top out at 2x, so heavy diners or travelers will out-earn this card elsewhere. It is a good one-card option for someone who wants steady earning without managing categories.
Earn rates & credits
| Category | Rate |
|---|---|
Travel | 2x |
Dining | 2x |
Everything Else | 1.5x |
| Benefit | Value |
|---|---|
Airline Incidental Credit Annual statement credit for qualifying airline incidentals like seat upgrades, baggage fees, and in-flight services | $100 /yr |
Global Entry / TSA PreCheck Credit Up to $100 statement credit for Global Entry or TSA PreCheck application fee every four years | $100 every 4 yr |
| Total annual credits | $125 |
Card details
Regular APR | 19.49%–27.49% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Bank of America Premium RewardsBased on 2 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.